How much is insurance on a Mazda CX-50?
A 2024 Mazda CX-50 runs about $1,690 a year for a typical 45-year-old, $250 less than an average car of the same age, because of lower crash-repair losses, lower non-crash losses, fewer injury claims, and less damage to others' property. Putting a new 16-year-old on a family policy with the CX-50 adds about $1,120 a year (#2 of 26 small SUVs we compare).
2024 Mazda CX-50 (CX-50 4WD), national average
about $1,690 a year (about $140 a month)
Estimated range: $1,250–$2,250. Actual quotes can fall outside it.
An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year.
Priced for the 2024 CX-50 4WD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Mazda CX-50's rank is the same in every state.
Why the Mazda CX-50 costs what it does
What HLDI reports (2022–24 models, all drivers combined)
The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Mazda CX-50 4dr 4WD, on HLDI's scale where 100 is an average car and lower is better, it reports 69 for crash repairs, 72 for non-crash damage, 79 for damage to others' property, and 72 for injury claims.
- Crash repairs (collision)fixing this car after a crashBetter than average31% better than average3rd best of the 26 small SUVs we compare
- Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesBetter than average28% better than average9th best of the 26 small SUVs we compare
- Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultBetter than average21% better than average4th best of the 26 small SUVs we compare
- Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costBetter than averagefiled 28% less often than average2nd best of the 24 small SUVs we compare
HLDI rates results within about 20% of average as “Average.”
Source: HLDI, insurance losses by make and model, 2022–24 models.
What we estimate that means for price
Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Mazda CX-50 comes out about 30% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 13% less than average: about $830 a year vs $950. On the liability side, damage to others and injury claims combine to about 25% better than average. We count about half, so that part is about 13% less: $860 a year vs $990.
In EPA size classes, the CX-50 is a small SUV (gas-powered). In Highway Loss Data Institute loss tables, the Mazda CX-50 is benchmarked against small SUVs.
Matched to HLDI series “Mazda CX-50 4dr 4WD” (HLDI, 2022–24 models).
For the 2024 Mazda CX-50, our catalog lists the CX-50 4WD configuration at about $1,690 a year.
On a policy of their own with a 2024 Mazda CX-50, a 22–25-year-old pays about $2,200 a year ($510 more than a 45-year-old), a 26–39-year-old about $1,880, and a driver 65 and older about $1,780.
Adding a 16-year-old with a Mazda CX-50
Because the Mazda CX-50 starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,120 a year ($95 a month), $170 less than adding a teen with an average car of the same age. Putting that 16-year-old on a policy of their own instead costs about $4,850 a year, about $3,740 more than sharing the family policy.
For adding a teen driver, the Mazda CX-50 ranks 8th cheapest out of all 121 models we track.
That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.
Similar small SUVs
Among these 26 small SUVs, the Mazda CX-50 is the 2nd least expensive to insure. Right next to it are the Subaru Forester (about $1,620 a year) and the Honda CR-V (about $1,740).
2024 Subaru Foresterabout $1,620 ($70 less)- 2024 Mazda CX-50about $1,690 (this car)
2024 Honda CR-Vabout $1,740 (about the same)
2024 Toyota RAV4about $1,760 ($70 more)
2024 Toyota bZ4Xabout $1,790 ($100 more)
2024 Mazda CX-5about $1,790 ($100 more)
Photos from Wikimedia Commons contributors. Photo credits.
What a Mazda CX-50 costs in your state
In six sample states, a 2024 Mazda CX-50 runs from about $1,150 a year in Idaho through Iowa, Minnesota, Utah and Connecticut to about $2,230 in New York:
- Idahoabout $1,150/yr · +$760 teen
- Iowaabout $1,190/yr · +$780 teen
- Minnesotaabout $1,440/yr · +$950 teen
- Utahabout $1,510/yr · +$1,000 teen
- Connecticutabout $1,770/yr · +$1,170 teen
- New Yorkabout $2,230/yr · +$1,470 teen
All 50 states and DC · Updated .
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.