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Cheapest Mazda Car Insurance (Apr 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Mazda.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How much does Mazda car insurance cost? 

Mazda has been a leading automaker known for producing sporty, efficient, and reliable vehicles for over a century. From the small and sporty MX-5 Miata to the full-size CX-9, Mazda offers the perfect car for every driver.
Mazda drivers pay an average of $1,128 per year for
car insurance
—but every Mazda car insurance policy is as unique as the Mazda itself.
As much as we’d love for insurance premiums to be consistent, many factors go into calculating them, such as your age, driving record, model year, trim level, and location—that’s why there isn’t such a thing as an ‘average’
auto insurance quote
. The only true way to understand how much your car insurance will cost is to compare car insurance quotes for your own driver profile.

How to find the cheapest Mazda Car Insurance Quotes

Jerry has helped hundreds of Honda drivers use to find cheap car insurance. Check out some of our recent quotes below!
DateCarInsurance CompanyPremium (monthly)Customer DetailsInsurance coverage
April 9, 2024
Mazda 3 iTravelers
$119
• 50,000/100,000 Liability
• Comp / Collision
March 29, 2024
Mazda CX-5 TouringSafeco
$121
• State Minimum Liability
• Comp / Collision
March 29, 2024
Mazda 3 SportAllstate
$137
• 100,000/300,000 Liability
• Comp / Collision
March 28, 2024
Mazda CX-5 SportNationwide
$90
• 100,000/300,000 Liability
• Comp / Collision
March 27, 2024
Mazda 3 SProgressive
$126
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Apr 9, 2024

Best car insurance companies for Mazda drivers

When
shopping for auto insurance
, you want to find the right policy and provider for you and your vehicle. 
Although it would be convenient, no single insurance provider offers the best and cheapest quotes for all Mazda drivers. This is because car insurance rates are highly personalized based on age, driving record, insurance history, zip code, coverage needs, and more. 
Jerry conducted the largest car insurance survey nationwide to help drivers find the best Mazda insurance rates—we spoke to more than 16,000 policyholders in 50 states about 87 insurance providers.
Here’s how Mazda drivers rate different insurance providers.

Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
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We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Progressive
It was fast and help me save a lot of money! I will keep them for ever now!
Oscar
Progressive
For my first time getting my own policy and looking for insurance. This was easy, straight forward, and cheaper. I love it.
Briana
Progressive
Happy with my policy and cost!
Pamela
Gainsco
Great company that cares about its customers.
Sam

Are Mazda more expensive to insure?

Compared to the average cost of other cars, Mazda insurance costs 7% less.
Car MakeAverage State Minimum Insurance CostAverage Full Coverage Insurance Cost
Mini
$90
$166
Volkswagen
$93
$176
Mazda
$94
$171
Land Rover
$97
$197
BMW
$101
$210

Cheapest Mazda to insure

If you’re looking for cheap insurance, you’ll find it with a Mazda. The cheapest Mazda model to insure is 2019 Mazda MX-5, with an average monthly premium of $30 for state minimum coverage.

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
2019 Mazda MX-5
$30
$286
2010 Mazda MX-5
$37
$267
2011 Mazda Speed
$53
$173
2020 Mazda 3
$58
$170
2012 Mazda CX-7
$58
$165

Most expensive Mazdas to insure

While Mazda insurance costs aren’t too on the wallet compared to other makes, higher trim levels and more features can spike insurance costs. The most expensive Mazda model to insure is the 2014 Mazda 5, with an average monthly premium of $142 for state minimum coverage.

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
$142
$175
$137
$191
$132
$221
2015 Mazda 5
$139
$172
2012 Mazda 6
$138
$256
Keep in mind that insurance costs not only vary based on your Mazda model, but also your age, driving record, location, and more. That’s why we recommend shopping around and comparing insurance quotes to help you find the best coverage for the best rate.

What factors affect Mazda car insurance rates?

Insurers consider several factors when
calculating car insurance rates
:
  • Vehicle cost: The higher the car's value, the higher the insurance cost. Full coverage car insurance is more expensive for luxury, high-performance, and sports cars. 
  • Vehicle age: Newer models typically have higher insurance rates due to new technology and higher value.
  • Vehicle safety features: Newer vehicles with added safety features can reduce insurance costs by enhancing accident prevention.
  • Your age: Drivers under 25 pay some of the highest insurance rates due to a lack of driving experience. Senior drivers over 70 may also face increased insurance rates. 
  • Your driving record and claims history: Insurance companies reward good drivers with a clean driving record with lower insurance rates. If you have a driving history of accidents and violations, insurers see you as high-risk and you will usually pay higher rates. 
  • Credit history: Some states use your credit score to determine your risk level. Drivers with good credit usually see lower can insurance rates.
  • Coverage: Purchasing minimum coverage will always lead to cheaper rates. Increasing your coverage and/or coverage limits will also increase your premium.
  • Where you keep your car: Insurance rates will vary based on where you keep your vehicle. Population density, crime rates, road conditions, and other risk factors differ between states and cities and affect car insurance rates.  
Here are some factors that impact auto insurance rates for Mazdas:
  • Imports: Mazda parts are produced in Japan, and importing costs can be steep, which means replacing parts can be more expensive than domestic models.
  • Safety: Virtually every model in the Mazda lineup has earned an IIHS Top Safety Pick+, which helps to reduce insurance costs.
  • Reliability:  Mazda is known for its dependability, which means a lower likelihood of claims and lower insurance rates.

Mazda insurance cost for young drivers

Teen drivers
aged 16 to 19 pay the highest insurance premiums of any age bracket due to limited driving experience and a higher risk of accidents. For young drivers with new cars, a full-coverage car insurance policy is recommended for greater financial protection against accidents.
See the following table and how Jerry helped young Mazda drivers find affordable car insurance. 

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Eliza (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carMazda CX-3 Sport
$207
per month
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Emily (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
carMazda 3 S
$159
per month
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Eva (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carMazda CX-5 Touring
$391
per month
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Clayton (23 years old)
coverageCoverage
15,000 per person
30,000 per accident bodily injury
Comp / Collision
locationFranklin Park, NJ
carMazda 3 Sport
$314
per month

Mazda insurance cost for senior drivers

Young drivers aren’t the only ones who pay high rates for insurance—senior drivers over 70 do, too.
Car insurance rates for seniors
are typically higher because older drivers are more susceptible to serious injuries and mortality and have slower reflexes that increase the risk of accidents. 
Jerry can help seniors who drive a Mazda find cheap car insurance. 

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Ricardo (68 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$94
per month
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Lora (66 years old)
coverageCoverage
State Minimum
$100
per month
card cover
Phillip (69 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carMazda 3 Grand Touring
$114
per month
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Katharine (71 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carMazda CX-5 Touring
$117
per month
card cover
Edwin (68 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carMazda CX-9
$163
per month

Mazda insurance cost for drivers with driving violations 

Your driving record greatly influences how much car insurance will be for your Mazda. If you have a history of at-fault accidents, speeding, tickets, and other violations, you’ll fall into the
high-risk driver
category and see an increase in your insurance rates. 

Cheapest car insurance for Mazda drivers with speeding ticket

A single speeding ticket for going less than five miles over the speed limit isn’t likely to make a big dent in your Mazda insurance premiums—but repeated tickets or a single ticket for going well over the speed limit could cause a serious increase.
Mazda drivers can recruit the help of insurance expert Jerry to help find affordable car insurance with a speeding ticket on their record.

Speeding TypeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
Speeding 1-5
Mazda 3 iTravelers
$213
• 100,000/300,000 Liability
Speeding 6-10
Mazda 3 iNationwide
$163
• State Minimum Liability
• Comp / Collision
Speeding 11-15
Mazda CX-3 Grand TouringAllstate
$261
• State Minimum Liability
• Comp / Collision
Speeding 21+
Mazda Mazda2Safeco
$114
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Apr 8, 2024

Cheapest car insurance for Mazda drivers with a DUI record

Having a
DUI conviction
on your record is a major influencing factor in your Mazda car insurance rates—but even still, rates will vary between providers. That’s why comparing rates from several insurance providers is important to find the most affordable policy after a DUI.
Jerry has helped many Mazda drivers find cheap auto insurance rates after a DUI.

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Jessie (36 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carMazda CX-5 Sport
$109
per month
card cover
Elva (29 years old)
DUI
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carMazda 3 Preferred
$151
per month
card cover
Francis (27 years old)
DUI
coverageCoverage
20,000 per person
40,000 per accident bodily injury
Comp / Collision
$141
per month
card cover
Hilda (37 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carMazda MX-5 Miata Grand Touring
$106
per month
card cover
Katherine (48 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
carMazda CX-9
$108
per month

Cheapest car insurance for Mazda drivers after an accident

Your accident or claims history has a significant influence on your insurance rates. If you were recently involved in an at-fault accident, you’ll likely see your car insurance rates jump—but Jerry can help you find savings on car insurance.

Accident typeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
At Fault With Injury
Mazda CX-3 SportProgressive
$207
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Mazda CX-5 SportSafeco
$165
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Mazda CX-9 TouringAllstate
$172
• 100,000/300,000 Liability
• Comp / Collision
At Fault With Injury
Mazda CX-5 Grand TouringBristol West
$176
• State Minimum Liability
Not At Fault
Mazda 6 TouringNational General
$166
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 13, 2024

Cheapest car insurance for Mazda drivers with other driving violations on their record

On top of speeding tickets and DUI, other violations like reckless driving,
driving with a suspended license
, or driving without valid car insurance can spike your car insurance rates. 
We’ve compiled a list of various driving violations and how we helped Mazda drivers lower their car insurance rates with these violations.

ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Illegal Turn
Mazda 6 Grand TouringProgressive
$187
• State Minimum Liability
Defective Equipment
Mazda 6 iSafeco
$196
• State Minimum Liability
• Comp / Collision
Failure To Observe A Safety Zone
Mazda CX-5 Grand TouringAAA
$113
• 30,000/60,000 Liability
• Comp / Collision
Wrong Way/Wrong Lane
Mazda CX-3 Grand TouringAllstate
$261
• State Minimum Liability
• Comp / Collision
Cell Phone
Mazda CX-9National General
$94
• State Minimum Liability
Careless Driving
Mazda CX-9 Touring
Clearcover
$95
• 100,000/300,000 Liability
• Comp / Collision
Driving on Sus. License
Mazda 6 TouringBristol West
$237
• State Minimum Liability
Failure to Obey Signal
Mazda CX-9National General
$129
• State Minimum Liability
Seat Belt
Mazda CX-5 Grand TouringSafeco
$207
• State Minimum Liability
Improper Passing
Mazda 6 TouringAAA
$154
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Apr 14, 2024

How can I lower the cost of my Mazda car insurance?

Whether you have a violation on your driving record or you drive a pricey Mazda, there are easy ways to lower your car insurance rates. Here are some of our best tips:
  1. Shop around
    and compare quotes: Not every insurer weighs the same factors equally, so getting quotes from several providers can help you find the coverage you need at the best price. Jerry makes shopping for car insurance simple by gathering quotes from over 50 top providers—no phone calls, emails, or sales pitches.
  2. Compare insurance costs before buying a car: Car insurance rates aren’t consistent between vehicles and some Mazda’s cost more to insure than others. If you’re looking for cheap insurance, stick to base trim levels and smaller cars—or buy used!
  3. Increase your deductible: Your deductible is the amount you must pay before your collision or comprehensive insurance coverage kicks in on a claim. Increasing your deductible will reduce your monthly insurance payments. 
  4. Reduce auto insurance coverage: If you have an older vehicle,
    reducing coverage
    can help to lower your monthly payments.
  5. Bundle your car and homeowners insurance
    : Most insurers offer bundling discounts, whether home and auto or another type of insurance. 
  6. Maintain a good credit score: Not all insurers look at credit scores to determine premiums, but increasing your credit score can get you a better rate.
  7. Ask about eligible
    car insurance discounts
    : Most insurers offer discounts to help drivers save—good student discounts, safe driver discounts, and low mileage discounts are some of the most popular.

FAQs

The Mazda CX-5 is one of the cheaper models to insure, with an average cost of 97 per month or 1164 per year for state minimum coverage. But insurance rates depend on various factors—age, location, driving record, insurance history, trim level, and more—so your rate could be hundreds of dollars above or below the average. 
Factors like vehicle model and trim level influence insurance rates, so premiums will vary based on your vehicle type. In general, cheaper cars with fewer features and smaller engines are cheaper to insure than expensive vehicles with powerful engines.
In the Mazda lineup, MAZDA 5 and MAZDA Tribute tend to be the cheapest cars to insure.
The required insurance coverage for your Mazda depends on where you live. Almost all states require drivers to carry liability insurance—bodily injury and property damage liability—that meets the
minimum car insurance requirements in your state
, but some states also mandate personal injury protection (PIP) or MedPay. 
If you lease or finance your Mazda, your lender will require collision and comprehensive coverage until your loan is paid off. 
That depends on what model you’re looking for! Generally speaking, Mazda is not a luxury make so its MSRP is lower than luxury cars. That said, higher trim levels of some models can be expensive. For example, the 2024 CX-90 3.3 Turbo S Premium Plus, Mazda’s first PHEV, has an MSRP of $61,325.
While the Mazda 3 might be the automotive manufacturer's smallest and only sedan, some insurance providers see the 3 as a sportscar, which drives up the cost of insurance coverage. The engine on your Mazda 3 also matters since more powerful engines lead to higher insurance premiums. 
Where you live can also influence rates. For example, Mazda 3 insurance in
California
will be more costly than insurance in
Idaho
.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

avatar
R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.