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Key Takeaways

  • Older Mazdas are less expensive to fix or replace than modern Mazdas, and because they are not leased or financed, they have reduced insurance prices.
  • The model of your car influences your insurance prices. Insurance normally costs more when a car is more expensive.

Introduction

One of the first questions you should ask before purchasing a Mazda or any other car is how much insurance will cost. We break down Mazda auto insurance prices and compare them to the competition to discover where Mazda stands in terms of affordability.

The History of Mazda

Mazda originated as a cork manufacturing company in Hiroshima, Japan, in 1920, according to a little-known truth about the corporation.

Mazda transitioned from corks to machine tools in the 1930s, then to weaponry during World War II. However, it wasn't until 1984 that the Mazda name was finally adopted.

Mazda now manufactures a wide range of tiny and midsize cars and SUVs, focusing on fuel efficiency and low emissions. Mazda's new MX-30 is the company's first electric vehicle in production.

Where can I find cheap Mazda Insurance?

While paying auto insurance does not boost credit, doing so monthly with a credit card can. Of course, as long as it's paid in full every payment cycle. This is also a simple method to earn points on a rewards credit card because it is an expense that every motorist must incur.

Based on resale values and safety ratings, insurance premiums by age differ between brands.

How much does Mazda Insurance cost?

The average annual cost of auto insurance for a Mazda model is approximately $1509. This is about $731 less than other well-known brands.

Our auto insurance comparisons are based on a 40-year-old safe driver with full coverage and good credit who drives roughly 13000 miles per year. They also assume single-car insurance on a brand-new car and do not account for multi-car discounts. A variety of factors can influence the actual rates.

Among them are the make and model of the car, age, location, mileage, credit score, driving record, and other factors.

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Mazda Insurance Rates by Model

Mazda auto insurance premiums range from $1161 per year for a Mazda CX-5 to $1527 per year for a Mazda CX-9 for 2022 models.

All Mazda cars cost an average of $1419 per year, which is 9.8% cheaper than the national average auto insurance rate of $1,551 in the United States. As a result, Mazda has the lowest average car insurance costs of any other brand.

The Mazda MX-30, Mazda 3, and Mazda 6 are not the cheapest or most costly to insure, but they are closer to the average. These three models had average insurance prices of $1470, $1512, and $1508, respectively.

Model Annual Cost
Mazda 2 (2014 and prior) $1044
Mazda 3 $1512
Mazda 5 (2016 and prior) $1170
Mazda 6 $1518
Mazda CX-3 (2021 and prior) $1158
Mazda CX-30 $1350
Mazda CX-5 $1161
Mazda MX-5 Miata $1323
Mazda CX-9 $1527
Mazda Mazdaspeed 3 (2013 and prior) $1110
Mazda MX-30 $1470

These models, however, are less expensive than the national averages.

Mazda CX-5 Insurance Rates

The Mazda CX-5 crossover SUV provides a luxurious experience without breaking the bank. The Mazda CX-5 is available in seven different trim levels, including i-Activ AWD and Mazda's innovative Mi-Drive technology.

Pedestrian safety is also a standard feature, thanks to Advanced Smart City Brake Support, which is especially crucial for drivers in congested locations with plenty of walking space.

Though these features may give SUVs a more luxurious feel, insurance costs are on the higher end of the affordability spectrum, which could be because SUVs are safer in head-on collisions than other car types.

Cheapest car Insurance companies for Mazda CX-5

In terms of the Mazda CX-5's average yearly minimum coverage, USAA offers the best deal at $354. Premiums are slightly higher, but still fair, at $381 and $390, respectively, from Erie and Amica.

If you want full coverage insurance, USAA has the cheapest average yearly premiums of $1095. Amica and Erie round out the top three with $1251 and $1320 in annual premiums.

Car insurance company Average annual premium for full coverage
USAA $1095
Amica $1251
Erie $1320

Mazda CX-3 Insurance Rates

The Mazda CX-3 Sport is a subcompact crossover SUV. After releasing the CX-30 in 2020, Mazda decided to discontinue production of the CX-3 in 2022.

Those who prefer the Mazda CX-3 can get standard all-wheel drive and the same Connected Services and safety features as the Mazda 3.

Cheapest car Insurance companies for Mazda CX-3

USAA has the lowest average yearly minimum coverage rates for the Mazda CX-3, at $333, although Amica isn't far behind at $384. Amica offers complete coverage for this car at $1245, while USAA is not much more expensive at $1059.

Car insurance company Average annual premium for full coverage
USAA $1059
Amica $1245
Erie $1371

Mazda 3 Sedan Insurance Rates

All Mazda 3 turbo sedan models come equipped with Mazda's i-Activ AWD system. In addition, Mazda Connected Services, which allows you to start the car and lock the doors remotely, and access a health status report, so you always know when it's time for maintenance, are included in the Mazda 3.

Traffic Jam Assist, front and rear parking sensors, and smart braking are among the i-Activsense safety features that come standard with the Premium Plus package and higher.

At $1149 per year, USAA has the least average yearly premium for full coverage, followed by State Farm, Erie and Amica.

Full coverage provides greater protection at a higher expense. Based on the car insurance companies, Amica and Erie round out the top three for full coverage.

Car Insurance Company Average annual premium for full coverage
USAA $1149
State Farm $1332
Erie $1359
Amica $1329

Mazda MX-5 Miata Insurance Rates

Mazda's version of a sports car is the MX-5 Miata convertible roadster. The MX-5 has a near-perfect 50/50 weight distribution for better handling at high speeds, which is a remarkable achievement for such a low price.

This car is available in two trim levels, or you may pay a little extra for the Mazda MX-5 Miata RF, which starts at $35,000.

The Grand Touring offers an automatic transmission, even though each trim level is standard with a manual transmission. In addition, blind-spot monitoring, lane departure warning, and kinematic posture control are standards for every choice.

Cheapest car Insurance companies for Mazda MX-5

USAA is the cheapest average yearly premium for minimal coverage, at just $276. Erie and Amica are the next cheapest. Amica has the lowest average annual premiums for complete coverage on the Mazda MX-5, at $1212.

Car Insurance Company Average annual premium for full coverage
USAA $1248
Amica $1212
Erie $1329

Mazda CX-30 Insurance Rates

The CX-30 is Mazda's cheapest model to insure, with a beginning MSRP of $22,200. It's also one of Mazda's most economical models.

The compact crossover has lower insurance prices than its larger sibling, the CX-5. Still, it costs hundreds of dollars less annually to insure than Mazda's two most economical models, the Mazda3 Sedan and Model3 Hatchback.

State Farm is the cheapest insurer for the CX-30, with a typical annual premium of $1467. This is $1179 less than the average rate we found across all companies we investigated.

Car Insurance Company Average annual premium for full coverage
State Farm $1467

Mazda CX-9 Insurance Rates

The Mazda CX-9 is the company's largest and most expensive SUV, and it's also one of Mazda's most expensive to insure. The average annual cost of insurance for a CX-9 is $3159.

The CX-9 is $159 more expensive than the average model. It is, nevertheless, less expensive to insure than the most expensive Mazda, the Mazda3 Hatchback.

At $1818 per year, USAA is the most economical insurer for the CX-9. State Farm costs extra per year, for a total of $1848.

Car Insurance Company Average annual premium for full coverage
USAA $1818
State Farm $1848

Mazda 3 Sedan Insurance Rates

The Mazda 3 Sedan is the cheapest Mazda on the market today. However, insurance costs $3099 annually, which is significantly more than a regular Mazda vehicle.

The sedan version of the Mazda 3 is much less expensive than the hatchback version. We discovered a $378 pricing difference by choosing the five-door version of the car.

State Farm has the best insurance prices for the Mazda 3 Sedan, with an average annual rate of $1650.

Car Insurance Company Average annual premium for full coverage
State Farm $1658

Mazda 3 Hatchback Insurance Rates

The Mazda3 Hatchback is the most expensive Mazda car to insure, costing $3477 per year. This is $471 higher than the average rate for all Mazda cars and $324 more than the sedan version of Mazda's entry-level car.

Drivers who want to save money on Mazda3 insurance might do so by purchasing an earlier model. We discovered that insuring a 2016 model is $897 less annually than insuring a brand-new 2022 model.

State Farm is the cheapest option for insuring a Mazda3 Hatchback, with an average annual cost of $1638.

Car Insurance Company Average annual premium for full coverage
State Farm $1638

Mazda MX-30 Insurance Rates

Mazda's all-electric MX-30 SUV, which will be available in 2022, has an annual insurance cost of $2979. However, remember that the MX-30 is only available in California and in extremely limited quantities, so getting your hands on one this year may be tricky.

We discovered that insuring an electric car is around 23% more expensive than insuring a gas-engine car, which explains why the MX-30 is more expensive than Mazda's other crossover cars.

State Farm is the cheapest carrier to insure a 2022 Miata, with an average premium of $1647.

Car Insurance Company Average annual premium for full coverage
State Farm $1647

Mazda Insurance Rates by Company

Mazda insurance costs will vary dramatically among car insurance companies for the same coverage. Therefore, you should acquire new quotations if you've been with your current insurance carrier for more than a few years to ensure you're not overpaying.

Other Car Insurance Coverages for Mazda

The cost of Mazda insurance varies greatly depending on the driver's age. Younger drivers are more expensive to insure since they are more likely to cause an accident. However, by age 25, the probability and the premiums have dropped considerably. In fact, until after 60, insurance costs continue to drop, with only minor increases.

Although most states only require a minimum liability insurance coverage, many insurance experts recommend buying as much liability insurance as you can afford to protect yourself financially in the event of a costly insurance claim.

You will certainly be obliged to obtain full coverage insurance if you finance or lease your Mazda. Even if you don't plan to finance your new Mazda, these additional coverage alternatives should be considered when collecting quotes or moving providers.

Should you be involved in a catastrophic accident and need to repair or replace your vehicle, certain types of coverage might give further financial protection:

  • Collision Coverage: If you are involved in a collision, and your Mazda is damaged, this coverage will pay to repair or replace it.
  • Comprehensive Coverage: Sometimes known as other-than-collision coverage, it covers claims not covered by collision insurance. Weather occurrences, collisions with animals, smashed glass and windshields, theft, and vandalism are examples of this.
  • GAP Coverage: If your Mazda is totaled and the depreciated value is less than what you owe on the auto loan, gap insurance will reimburse the difference between your claim payment of the depreciated value of your Mazda and your outstanding loan or lease amount.
  • OEM components: If your Mazda is damaged due to a covered claim, certain insurance carriers offer this optional coverage, which offers OEM Mazda parts rather than aftermarket parts.
  • Rental car reimbursement: If you don't have another vehicle to drive while your Mazda is being repaired after a claim, this optional coverage is worth considering.

Is Mazda Insurance Expensive?

Mazda has some of the cheapest car insurance prices of any manufacturer, with an average cost of $1509 per year across all 2022 models. In addition, Mazda comes out on top in our comparisons for having the lowest average rates.

Mazdas are far less expensive to insure than high-end luxury cars from Lexus, Mercedes, and BMW. However, smaller, faster, and more expensive cars are generally more expensive to insure.

A smaller, faster car is more likely to be in a collision, and costlier cars are more expensive to repair, resulting in higher insurance costs. However, enhanced safety features, such as obstacle avoidance sensors, can occasionally offset the latter element. Thus the link is not always linear.

Mazda Car Insurance vs Top Competitors

Mazda's main competitors is Toyota, Honda, and Nissan, all Japanese brands. Mazda insurance prices are $141 less per year than Toyota, $63 less per year than Honda, and $213 less per year than Nissan compared to these three automakers.

Mazda Car Insurance Cost vs. Popular Automotive Brands

Mazda's average annual rates are 3.7% lower than those of Honda, Toyota, Nissan, and Subaru, another Japanese automaker. In addition, Mazda insurance prices are 8.4% lower than Hyundai's and 7.4% lower than Kia's every year compared to the two South Korean automakers.

How does Mazda stack up against the likes of Ford and Chevrolet in the United States? The table below contains not just non-luxury American manufacturers such as those two but also several luxury brands such as BMW, Lexus, and Mercedes-Benz.

Brand Insurance Cost Brand Insurance Cost
Acura $1764 Kia $1530
Audi $2082 Land Rover $1878
BMW $2109 Lexus $1830
Cadillac $1659 Lincoln $1719
Chevrolet $1548 Mercedes-Benz $2130
Ford $1545 Mitsubishi $1629
Genesis $1836 Nissan $1821
GMC $1647 Subaru $1461
Honda $1518 Tesla $1971
Hyundai $1527 Toyota $1662
Infiniti $1929 Volkswagen $1491
Jaguar $1968 Volvo $1659
Jeep $1689    

What is the cheapest Mazda Insurance?

The Mazda CX-5, a small SUV that costs $1161 per year to insure, or roughly $96 per month, has the cheapest Mazda insurance for the 2022 model year.

The Mazda MX-5 Miata ranked second for 2022 and cost an average of $1326 annually.

The Mazda CX-30, Mazda MX-30, and Mazda 3 are among the top five cheapest Mazdas to insure for the 2022 model year, as are the Mazda CX-30 and Mazda MX-30, and Mazda 3.

Insuring the top five cheapest Mazdas in 2022:

  • Mazda CX-5 – $1161 per year
  • Mazda MX-5 Miata – $1326 per year
  • Mazda CX-30 – $1350 per year
  • Mazda MX-30 – $1470 per year
  • Mazda 3 – $1515 per year

Mazda Car Insurance Rates by State

Depending on where you reside, Mazda car insurance can cost a lot more or a lot less. Providers cannot alter rates based on credit in California, Hawaii, or Massachusetts. These estimates also don't account for any possible multi-vehicle discounts.

In most states, credit plays a significant factor in premiums. But unfortunately, young people under 25 are considerably more likely to have little or no credit history. Joining their family's multi-vehicle policy would be the greatest way to avoid this.

As kids become older and keep a good driving record, their premiums will become more inexpensive. But, at the same time, they can improve their credit.

State Average Annual Premium State Average Annual Premium
Alabama $1599 Nebraska $1215
Alaska $1329 Nevada $1998
Arizona $1491 New Hampshire $1389
Arkansas $1632 New Jersey $1533
California $1818 New Mexico $1566
Colorado $1692 New York $1449
Connecticut $2163 North Carolina $903
Delaware $1791 North Dakota $1233
Florida $2133 Ohio $1098
Georgia $1740 Oklahoma $1749
Hawaii $702 Oregon $1593
Idaho $1212 Pennsylvania $1347
Illinois $1269 Rhode Island $2232
Indiana $1302 South Carolina $1521
Iowa $1032 South Dakota $1362
Kansas $1371 Tennessee $1605
Kentucky $1980 Texas $1611
Louisiana $2532 Utah $1371
Maine $963 Vermont $1065
Maryland $1556 Virginia $999
Massachusetts $1251 Washington, D.C. $1329
Michigan $3006 West Virginia $1332
Minnesota $1242 Wisconsin $1323
Mississippi $1497 Wyoming $1224
Missouri $1410    

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Full coverage vs. Minimum Coverage for your Mazda

Almost every state requires all drivers to have liability insurance, which protects other drivers and vehicles in the event of an accident.

Minimum liability coverage

State liability laws commonly require the following coverages:

Coverage type Protection offered
Bodily injury liability Pays for the expenses incurred as a result of the injuries you've caused to others.
Property damage liability Covers the costs of damage to other people's cars or property that you cause.

Full-coverage

Uninsured and underinsured motorist coverage is also required to cover losses caused by an uninsured or underinsured driver.

Personal injury protection (PIP) is required in other places, including all no-fault states, and pays for medical bills and lost wages regardless of who caused the accident.

You are strongly advised to obtain additional coverages for your Mazda to ensure maximum protection. After all, state-mandated insurance won't protect your car if you're at fault. In the event of expensive medical expenditures or substantial car damage, full coverage insurance packages will ensure that you are protected.

The following is a list of what is usually covered under full coverage insurance:

Coverage type Protection offered
Collision coverage Covers expenses incurred as a result of a collision with another car or object.
Comprehensive coverage Damages caused by something other than an accident, such as a weather occurrence, theft, or vandalism, are covered.

For a Mazda, the average annual insurance price is $1491 for minimal coverage and $2037 for comprehensive coverage.

The average annual insurance rate in the United States is $1,626 for minimal car insurance and $2,298 for full-coverage insurance when all makes, and models are considered.

How to get Mazda Insurance with Way.com

When it comes to insuring your Mazda, keep in mind that your rates will be determined by the model you drive and other criteria unique to you.

Way.com can assist you in locating the best rates for the coverage you require. Way.com will find you estimates from over 100 leading insurance companies in just 45 seconds, ensuring you always get the lowest price for the required coverage.

Way.com can help you get the best auto insurance rates regardless of your location, demographics, or the Mazda model you drive. Way.com is the simplest way to discover a better insurance policy tailored to your registered broker and auto super app needs.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQ

Is Mazda expensive to insure?

Mazda has some of the cheapest car insurance prices of any manufacturer, with an average cost of $1509 per year across all 2022 models. In addition, Mazda comes out on top in our comparisons for having the lowest average rates.

Are Mazda cars cheap Insurance?

Mazda has some of the cheapest car insurance prices of any manufacturer, with an average cost of $1509 per year across all 2022 models. In addition, Mazda comes out on top in our comparisons for having the lowest average rates.

How much is Insurance on a Mazda 6?

The average Mazda 6 insurance premium is $220 per month or $2,640 per year. The annual insurance cost–to–base car price ratio is a relatively high 12.0%, with a base price of $21,945.

Is a Mazda 3 considered a sports car?

On a full coverage policy, the Mazda 3 costs an average of $114 per month to insure. Admittedly, they aren't the cheapest cars to insure but considering that some companies define them as sports cars, they are on the lower end.

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