About $1,335 a year for full coverage on a national average — 7% less than the $1,438 average car. Insurers rate the Mazda CX-9 at an index of 93 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2021-2023).
The premium isn't spread evenly across the Mazda CX-9: Collision — damage to your own car in a crash — carries its highest loss index at 101, while Bodily injury sits at 75. Those 26 points are the real reason behind the price, and they are the part a quote form never shows you. Against what the car is worth the bill looks different again: a 2021 CX-9 sells for a median $21,699, so a year of cover costs 6.2% of the car's value. Over 15 generations of data the index has climbed from 86 (2006-2008) to 93 (2021-2023). Calculated from 28 insurance-loss records and live US listing prices.
Why a CX-9 costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,335: Liability (BI + PD) $641 · Collision $374 · Comprehensive $160 · Other (UM / PIP) $160.
How it changed by generation
Insurance-loss index of the CX-9 across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The CX-9 has become more expensive to insure over time (+7 points).
What a CX-9 costs by state
Where you park matters as much as what you drive. The CX-9's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | CX-9 est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the Mazda CX-9's loss index of 93 — your own quote also depends on age, record, deductible and ZIP.
Mazda CX-9 insurance — frequently asked
How much is insurance for a Mazda CX-9?
About $1,335 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 93 applied to the US average premium.
Why is the CX-9 expensive or cheap to insure?
For the Mazda CX-9 the costliest area is Collision at an index of 101, covering damage to your own car in a crash — against 75 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Mazda CX-9 lands at 93, not at what it costs new.
Is that a lot relative to the car's value?
A year of cover is 6.2% of what a 2021 CX-9 sells for — $1,335 against a median price of $21,699. Cheap cars often show a higher percentage even when the dollar premium is lower, and at 6.2% the CX-9 sits on the expensive side of that trade.
Does its safety rating lower the premium?
Not directly. The CX-9 holds 5 stars from NHTSA, but crash-test performance and repair cost are priced separately — a car can protect occupants well and still be costly to fix.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same CX-9 can differ by hundreds between two drivers.
How we work this out
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