Mazda CX-50 Insurance Rates

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UPDATED: Mar 28, 2024

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U.S. average insurance rates for a Mazda CX-50 are $1,492 a year for full coverage insurance. Comprehensive insurance costs approximately $336 each year, collision costs $626, and liability is $372. Liability-only coverage costs around $438 a year, with high-risk coverage costing $3,228 or more. Teenage drivers pay the highest rates at $5,458 a year or more.

Average premium for full coverage: $1,492

Price estimates by individual coverage:

Comprehensive $336
Collision $626
Liability $372

Full coverage includes $500 deductible amounts, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and CX-50 models.

Price Range from Low to High

For the normal driver, Mazda CX-50 insurance prices go from the low end price of $438 for just the minimum liability insurance to a high rate of $3,228 for a driver who has had serious violations or accidents.

Liability Only $438
Full Coverage $1,492
High Risk $3,228

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates how geographic area affects auto insurance prices.

Rural Areas $1,119
Small Cities $1,567
Large Cities $2,014

The ranges above illustrate why all drivers should compare rates quotes using their specific location, instead of using average rates.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Analysis

The chart below illustrates estimated Mazda CX-50 insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $850
  • Raising to $1,000 deductibles will save $220 each year
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,492
  • Using low deductibles will cost an additional $424 every year
  • At-risk drivers who are prone to accidents and violations could pay around $3,228 or more
  • The price that insures a teen driver can cost $5,458

View Chart as Image

Mazda CX-50 insurance cost comparison chart
Column chart showing full coverage Mazda CX-50 insurance prices range from $850 to $5,458

Auto insurance prices for a Mazda CX-50 are also quite variable based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,800 to $2,400 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 135% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,400 a year. View Rates by Age

The state you live in also has a big influence on Mazda CX-50 insurance prices. A middle-age driver might find prices as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,010 on average in Florida, New York, and Michigan.

Mazda CX-50 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,346 -$146 -9.8%
Alaska $1,146 -$346 -23.2%
Arizona $1,236 -$256 -17.2%
Arkansas $1,492 -$0 0.0%
California $1,698 $206 13.8%
Colorado $1,424 -$68 -4.6%
Connecticut $1,532 $40 2.7%
Delaware $1,690 $198 13.3%
Florida $1,866 $374 25.1%
Georgia $1,378 -$114 -7.6%
Hawaii $1,070 -$422 -28.3%
Idaho $1,010 -$482 -32.3%
Illinois $1,112 -$380 -25.5%
Indiana $1,122 -$370 -24.8%
Iowa $1,006 -$486 -32.6%
Kansas $1,418 -$74 -5.0%
Kentucky $2,034 $542 36.3%
Louisiana $2,208 $716 48.0%
Maine $920 -$572 -38.3%
Maryland $1,230 -$262 -17.6%
Massachusetts $1,194 -$298 -20.0%
Michigan $2,590 $1,098 73.6%
Minnesota $1,248 -$244 -16.4%
Mississippi $1,786 $294 19.7%
Missouri $1,322 -$170 -11.4%
Montana $1,602 $110 7.4%
Nebraska $1,176 -$316 -21.2%
Nevada $1,788 $296 19.8%
New Hampshire $1,074 -$418 -28.0%
New Jersey $1,666 $174 11.7%
New Mexico $1,320 -$172 -11.5%
New York $1,570 $78 5.2%
North Carolina $858 -$634 -42.5%
North Dakota $1,220 -$272 -18.2%
Ohio $1,030 -$462 -31.0%
Oklahoma $1,532 $40 2.7%
Oregon $1,366 -$126 -8.4%
Pennsylvania $1,424 -$68 -4.6%
Rhode Island $1,990 $498 33.4%
South Carolina $1,352 -$140 -9.4%
South Dakota $1,258 -$234 -15.7%
Tennessee $1,308 -$184 -12.3%
Texas $1,796 $304 20.4%
Utah $1,104 -$388 -26.0%
Vermont $1,022 -$470 -31.5%
Virginia $894 -$598 -40.1%
Washington $1,152 -$340 -22.8%
West Virginia $1,368 -$124 -8.3%
Wisconsin $1,032 -$460 -30.8%
Wyoming $1,328 -$164 -11.0%

View Chart as Image

Mazda CX-50 insurance rates by U.S. city

Using high physical damage deductibles can reduce prices by up to $650 every year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $335 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison and see which company has the best price. Every auto insurance company uses a different method to calculate prices, and quoted prices may be quite different.

Mazda CX-50 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Mazda CX-50 $320 $600 $390 $1,468

Rates are averaged for all Mazda CX-50 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find More Affordable Mazda CX-50 Insurance

Getting lower rates on car insurance consists of having a good driving record, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Compare prices every other policy renewal by requesting quotes from direct insurance companies, and also from your local car insurance providers.

The next list is a summary of the ideas that were presented in the illustrations above.

  • Drivers age 20 and younger have the highest car insurance prices, as much as $455 a month if the policy includes full coverage
  • Higher risk drivers who have multiple accidents or major violations could be charged and average of $1,740 more per year to buy Mazda CX-50 insurance
  • Increasing physical damage deductibles can save approximately $650 each year
  • It is possible to save around $180 per year simply by quoting online in advance

Rates by Driver Age

Mazda CX-50 Insurance Rates by Driver Age
Driver Age Premium
16 $5,458
20 $3,446
30 $1,564
40 $1,492
50 $1,362
60 $1,334

Full coverage, $500 deductibles

Rates by Deductible

Mazda CX-50 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,916
$250 $1,718
$500 $1,492
$1,000 $1,272

Full coverage, driver age 40

Rates by Liability Limit

Mazda CX-50 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,492
50/100 $1,566
100/300 $1,659
250/500 $1,901
100 CSL $1,604
300 CSL $1,808
500 CSL $1,957

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda CX-50 Insurance Rates for High Risk Drivers
Age Premium
16 $7,808
20 $5,478
30 $3,306
40 $3,228
50 $3,078
60 $3,050

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $209

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $80
Multi-vehicle $77
Homeowner $21
5-yr Accident Free $114
5-yr Claim Free $97
Paid in Full/EFT $71
Advance Quote $75
Online Quote $107
Total Discounts $642
Rate after discounts $850

Discounts are estimated and may not be available from every company or in every state.

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