How much is insurance on a Mazda CX-90?

A 2024 Mazda CX-90 runs about $1,840 a year for a typical 45-year-old, $100 less than an average car of the same age: fewer injury claims and less damage to others' property outweigh higher non-crash losses and higher crash-repair losses. Putting a new 16-year-old on a family policy with the CX-90 adds about $1,220 a year (#15 of 25 midsize SUVs we compare).

2024 Mazda CX-90 (CX-90 4WD), national average

about $1,840 a year (about $155 a month)

Estimated range: $1,300–$2,500. 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.

A Mazda CX-90 from the 2024–present generation. Photo: Ethan Llamas, CC BY-SA 4.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 CX-90 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-90's rank is the same in every state.

Why the Mazda CX-90 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-90 4dr 4WD, on HLDI's scale where 100 is an average car and lower is better, it reports 112 for crash repairs, 117 for non-crash damage, 83 for damage to others' property, and 63 for injury claims.

Crash repairs (collision)fixing this car after a crashAverage12% worse than average23rd best of the 25 midsize SUVs we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage17% worse than average23rd best of the 24 midsize SUVs we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage17% better than average12th best of the 25 midsize 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 37% less often than average3rd best of the 21 midsize SUVs we compare

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

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-90 comes out about 13% worse than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 5% more than average: about $1,000 a year vs $950. On the liability side, damage to others and injury claims combine to about 28% better than average. We count about half, so that part is about 15% less: $850 a year vs $990.

How the math works

By EPA size class the Mazda CX-90 is a standard SUV with a hybrid powertrain, and HLDI tracks the CX-90 alongside midsize SUVs.

That name is sold in more than one version. We priced it as a mild hybrid, using the Highway Loss Data Institute's figures for the gas version.

Matched to HLDI series “Mazda CX-90 4dr 4WD” (HLDI, 2022–24 models).

For the 2024 Mazda CX-90, our catalog lists the CX-90 4WD configuration at about $1,840 a year.

On a policy of their own with a 2024 Mazda CX-90, a 22–25-year-old pays about $2,400 a year ($550 more than a 45-year-old), a 26–39-year-old about $2,050, and a driver 65 and older about $1,940.

Adding a 16-year-old with a Mazda CX-90

Adding a new 16-year-old who drives the Mazda CX-90 raises the family bill by about $1,220 a year ($100 a month), $60 less than adding a teen with an average car of the same age. A separate policy for the 16-year-old runs about $5,290 a year, so keeping them on the family policy saves about $4,080 a year.

For adding a teen driver, the Mazda CX-90 ranks 42nd 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 midsize SUVs

Among these 25 midsize SUVs, the Mazda CX-90 is the 11th most expensive to insure. Right next to it are the Ford Bronco (about $1,840 a year) and the Buick Enclave (about $1,840).

Photos from Wikimedia Commons contributors. Photo credits.

What a Mazda CX-90 costs in your state

In six sample states, a 2024 Mazda CX-90 runs from about $1,280 a year in Hawaii through Kansas, Alabama, California and New Jersey to about $2,210 in Texas:

Hawaiiabout $1,280/yr · +$840 teen
Kansasabout $1,510/yr · +$1,000 teen
Alabamaabout $1,630/yr · +$1,070 teen
Californiaabout $1,820/yr · +$1,200 teen
New Jerseyabout $2,170/yr · +$1,430 teen
Texasabout $2,210/yr · +$1,460 teen

All 50 states and DC · Updated November 5, 2026.

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