Mazda CX-50 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average insurance rates for a Mazda CX-50 are $1,492 a year including full coverage. Comprehensive costs on average $336, collision costs $626, and liability is estimated at $372. Buying just liability costs approximately $438 a year, with insurance for high-risk drivers costing around $3,228. Teen drivers cost the most to insure at $5,458 a year or more.
Average premium for full coverage: $1,492
Policy rates by type of insurance:
Prices include $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for different CX-50 trim levels.
Price Range Variability
For a 40-year-old driver, Mazda CX-50 insurance rates go from as low as $438 for the bare minimum liability coverage to a much higher rate of $3,228 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.
The price range example below illustrates how your location can change car insurance rates.
The examples above highlight why anyone shopping for car insurance should get quotes based on a specific location and risk profile, instead of making a decision based on price averages.
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 Information
The chart below breaks down estimated Mazda CX-50 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $850
- Choosing higher $1,000 deductibles can save around $220 every year
- The average rate for a good driver age 40 with $500 deductibles is $1,492
- Choosing more expensive low deductibles for comp and collision coverage will increase the cost to $1,916
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,228 or more
- Policy cost for full coverage for a 16-year-old driver with full coverage may cost $5,458 each year
Insurance rates for a Mazda CX-50 also range considerably based on your risk profile, the model of your CX-50, and policy deductibles and limits.
An older driver with a clean driving record and high deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay upwards of $5,400 a year. View Rates by Age
Your home state plays a big part in determining prices for Mazda CX-50 insurance prices. A good driver about age 40 could pay as low as $1,140 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,130 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing high deductibles can save as much as $650 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $335 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,800 to $2,400 extra every year, depending on your age. High-risk driver insurance ranges from 44% to 135% more than average. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates from multiple companies. Each auto insurer uses a different rate calculation, so the rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Mazda CX-50 | $306 | $596 | $398 | $1,458 |
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 the Right Mazda CX-50 Insurance
Finding cheaper rates on insurance for a Mazda CX-50 takes having a good driving record, maintaining good credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Invest the time to shop around at every other renewal by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The next list is a quick rundown of the concepts that were illustrated above.
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,740 more each year to buy Mazda CX-50 insurance
- Drivers age 20 and younger pay the highest rates, with premiums being up to $455 each month for full coverage
- You may be able to save as much as $180 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save around $650 each year
- You may be able to save as much as $180 per year simply by shopping early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,916 |
| $250 | $1,718 |
| $500 | $1,492 |
| $1,000 | $1,272 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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