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The average cost of Mazda car insurance is $1,667 per year. Rates also depend on your zip code, your driving history, and which company you select.
Buying car insurance is a negotiation between cost and coverage—and every driver is unique. For instance, a brand new, financed Mazda CX-50 owned by a 21-year-old will require different coverage than a vintage Miata owned by a retired teacher.
Knowing your coverage needs is only half the game. Then, you need to look for an insurance company that offers you a good rate based on your unique driver profile—and every company has its own formula for calculating premiums.
So, how can you find cheap car insurance for your Mazda? Jerry, the licensed insurance broker and app, is the best way to research policies and save money. Jerry has put together this guide to Mazda car insurance costs, including descriptions of factors that influence rates as well as real quotes. Let’s go!
How much does Mazda car insurance cost?
The average annual cost of car insurance coverage for a Mazda vehicle is $1,667 However, individual rates vary based on a variety of factors including model, location, and driving history.
Every insurance company has its own formula for calculating rates. So, two Mazda drivers with the same model could pay a different rate with two different companies. That’s why it is so important to shop around for multiple quotes.
In general, most Mazda drivers pay near or below the national average price for car insurance.Here are a few reasons why Mazdas cost less to insure:
- Mazdas have smaller engines, and replacement parts are easy to source
- Mazdas are generally considered reliable vehicles with low annual repair costs
- Mazdas have excellent safety features that reduce the risk of getting into an accident
Make and model are only two factors that affect your rate. Companies consider your model year, upgrades, and original price tag when calculating your Mazda’s premium. For instance, a 2016 Miata is cheaper to insure than a 2020 Miata.
Unique trim and upgrades may increase your insurance cost. If your Mazda has a specialty paint color, performance-grade parts, and an aftermarket sound system, you can expect to pay well above the average price to insure your vehicle.
However, safety features and driver assistance technology can decrease your insurance cost. Most Mazdas come with a suite of excellent safety features, but you could get an aftermarket alarm system and a backup camera for additional protection—and a reduction in your premium.
Because every company has its own formula, drivers should shop around with Jerry to find the lowest possible rate. Enter a few details about your Mazda and let Jerry hunt for the best deal. It only takes 45 seconds!
The proof is in the pudding—real Jerry customers are happy with the service! Check out these Mazda insurance rates that Jerry helped facilitate:
| Quote Date | Car | Before Jerry | After Jerry | Location | Zip Code | Name | Age | Insurance Company |
|---|---|---|---|---|---|---|---|---|
| November 16, 2022 | Mazda CX-5 Grand Touring | $151/mo. | $121/mo. | Shoreline, WA | 98155 | Mina S. | 36 | Safeco |
| October 17, 2022 | Mazda CX-5 GT | $285/mo. | $96/mo. | Newland, NC | 28657 | Bessie H. | 36 | Progressive |
| August 14, 2022 | Mazda 6 I | $245/mo. | $233/mo. | Adrian, MI | 49221 | Carl F. | 27 | Progressive |
| March 1, 2022 | Mazda Cx-3 Touring | $243/mo. | $151/mo. | Memphis, TN | 38118 | Rena S. | 39 | Progressive |
| February 23, 2022 | Mazda Cx-3 Touring | $307/mo. | $203/mo. | Violet, LA | 70092 | Stella B. | 32 | National General |
What kind of insurance do I need for a Mazda?
Every state has a minimum required level of insurance. At the very least, your Mazda insurance policy must meet your state’s standards to be legally compliant.
The minimum requirement is usually liability coverage, which includes both bodily injury liability and property damage liability. This policy helps cover the other driver’s expenses if you’re at fault in an accident. Otherwise, you’d have to pay out-of-pocket.
In some states, additional insurance is required. Below are some coverages that may be required in your state. Even if these policies are optional where you live, it may still be a good idea to get them.
- PIP (Personal injury protection): Covers medical-related expenses for you and your passengers. PIP usually covers funeral costs and lost wages and is required in no-fault states.
- MedPay (Medical payments) coverage: Covers some medical expenses for you and your passengers.
- Uninsured/underinsured motorist coverage: Pays for expenses up to your limit if you get into an accident with an under- or uninsured driver.
The legal minimum is not enough for most modern drivers or modern vehicles, especially if you drive a newer Mazda3 hatchback (high price tag) or a tuned-up RX-7 (expensive repair costs).
Go beyond the basic level by adding collision and comprehensive protection, which is often referred to as “full-coverage insurance”. If your vehicle suffers damage due to theft, vandalism, extreme weather, or an accident, these policies will kick in to help cover repair costs.
One final note: if you are financing your Mazda, your lender can require you to carry specific types of insurance. In most situations, lenders require “full coverage” and gap insurance. Read your contract closely to make sure you are complying with the lender’s requirements as non-compliance could be grounds for seizing your vehicle or fining you.
Mazda insurance cost by model
Not all Mazdas cost the same to insure. Model type is a major factor in calculating insurance prices.
Generally speaking, SUVs are more expensive to insure since repair costs are higher. On the other hand, smaller, faster cars are also expensive to insure because the likelihood of damage in an accident is higher. Sedans and crossovers tend to cost less to insure.
You can expect to pay more to insure a CX-9 SUV than a CX-30 crossover, for instance.
Let’s zoom in for a closer look. Below, we explore the average annual premiums for different Mazda models, including the CX-9, the CX-3, the Mazda3, and the Miata:
How much does Mazda CX-9 insurance cost?
The Mazda CX-9 is a three-row SUV with stylish features and five trim options. This family-friendly model received excellent safety ratings from the IIHS (Insurance Institute for Highway Safety) and the NHTSA (National Highway Traffic Safety Administration).
SUVs are generally more expensive to insure, and the CX-9’s upscale materials and size contribute to high CX-9 insurance costs.
Here’s a look at how premiums for the CX-9 may change based on the age of the vehicle and the coverage level you select:
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2022 Mazda Cx-9 | $1,077 | $1,486 |
| 2021 Mazda Cx-9 | $1,828 | $1,354 |
| 2020 Mazda Cx-9 | $2,561 | $1,357 |
| 2019 Mazda Cx-9 | $2,274 | $1,993 |
| 2018 Mazda Cx-9 | $2,073 | $1,868 |
How much does Mazda CX-3 insurance cost?
The CX-3 is generally one of the most affordable Mazda models to insure. With a minimal seven-inch infotainment screen, this subcompact SUV is fun to drive but cheap to own.
Here’s a table that compares full to minimum coverage rates for different CX-3 model years.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2022 Mazda Cx-3 sport | $1,077 | $1,486 |
| 2021 Mazda Cx-3 sport | $1,828 | $1,354 |
| 2020 Mazda Cx-3 sport | $2,561 | $1,357 |
| 2019 Mazda Cx-3 sport | $2,274 | $1,993 |
| 2018 Mazda Cx-3 sport | $2,073 | $1,868 |
Check out our guide on Mazda CX-3 insurance costs to learn more.
How much does Mazda 3 insurance cost?
This hatchback is a high-quality, compact vehicle with an attractive interior and excellent fuel economy. Some companies classify the Mazda3 as a sports car, which will drive up the price of insurance.
Mazda 3 insurance costs are higher because of the extra horsepower and unique body.
Look at the table below for data on the average annual premiums for Mazda 3 owners by model year and coverage type:
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2022 Mazda 3 S | $1,077 | $1,486 |
| 2021 Mazda 3 S | $1,828 | $1,354 |
| 2020 Mazda 3 S | $2,561 | $1,357 |
| 2019 Mazda 3 S | $2,274 | $1,993 |
| 2018 Mazda 3 S | $2,073 | $1,868 |
How much does Mazda MX-5 Miata insurance cost?
This famed Mazda vehicle is a little more expensive to insure compared with the rest of the Mazda family. However, this sleek two-door convertible has a relatively low price tag which helps keep insurance premiums lower than they would be otherwise.
Your price could be higher or lower depending on your driving record, your age, and your location. Here's a breakdown on MX-5 Miata car insurance costs.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2022 Mazda Mx-5 Miata | $1,077 | $1,486 |
| 2021 Mazda Mx-5 Miata | $1,828 | $1,354 |
| 2020 Mazda Mx-5 Miata | $2,561 | $1,357 |
| 2019 Mazda Mx-5 Miata | $2,274 | $1,993 |
| 2018 Mazda Mx-5 Miata | $2,073 | $1,868 |
How much does Mazda 6 insurance cost?
For a midsize sedan, Mazda 6 insurance costs are surprisingly expensive.
The Mazda 6’s insurance rates are partially impacted by its luxurious appearance, which can attract thieves and vandals. There are six trim levels available on the Mazda6. Naturally, higher trim levels will trigger higher insurance costs.
Here’s what you might pay for Mazda 6 insurance by model year and driving record:
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2022 Mazda 6 S | $1,077 | $1,486 |
| 2021 Mazda 6 S | $1,828 | $1,354 |
| 2020 Mazda 6 S | $2,561 | $1,357 |
| 2019 Mazda 6 S | $2,274 | $1,993 |
| 2018 Mazda 6 S | $2,073 | $1,868 |
Compare Mazda car insurance quotes
Finding the right Mazda for your family is hard—but finding the right car insurance? It’s easy to shop around with the Jerry app. Researching companies and negotiating rates is important but you don’t have to do it all by yourself.
No matter which model you drive, the Jerry app can pull up competitive insurance quotes in just 45 seconds. Tweak your Mazda coverage until you’re happy and then tap to sign up.
Don’t leave money on the table. Make sure that you unlock all the discounts you qualify for, and do not accept the first quote you’re offered.
“I was paying $350 a month for my new car. With Jerry, I set up a new policy in under 30 minutes that will save me over $1,000 a year!” —Mariah K.
Best car insurance companies for your Mazda
There is no single company that guarantees the absolute cheapest rate for Mazdas. However, our research indicates that State Farm, USAA, Nationwide, and GEICO insure Mazdas at a price below the national average.
Remember that every company has a unique method for calculating premiums. One company may give you a steep multi-car discount whereas another company will weigh your driving history more heavily.
To find the lowest rate for your Mazda, use the Jerry app to shop around with multiple providers. Jerry can help you find the perfect insurance policy for your needs while unlocking discounts effortlessly.
Here are a few quotes for Mazda insurance. Check out how they vary by provider—and see how much savings Jerry could uncover for you!
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Dairyland | $2,971 | $919 | |
| Clearcover | $2,532 | $912 | |
| Kemper | $2,613 | $909 | |
| National General | $2,674 | $907 | |
| Progressive | $2,652 | $827 | |
| State Auto | $2,527 | $794 | |
| Allstate | $2,675 | $780 | |
| Safeco | $2,484 | $769 | |
| Nationwide | $2,490 | $755 | |
| Travelers | $2,453 | $750 | |
| Compare Prices | |||
Mazda insurance by driving record
Minor violations and major infractions alike will cause your insurance rate to skyrocket. On the other hand, safe drivers with no tickets get the lowest rates around.
A DUI will increase your rate more than a speeding ticket—but you should try to avoid both. A speeding ticket will trigger an average increase of $1,667 to your Mazda’s annual premium. A DUI means you’ll pay $2,416 more every year for coverage.
Here is an overview of insurance prices for Mazda drivers who have traffic violations on their records.
Mazda car insurance cost by location
Finally, your zip code influences the price you pay for insurance.
A Mazda owner in Illinois will pay a different rate than a Mazda owner in Arkansas, for instance. Furthermore, rural and urban drivers tend to pay different rates. Cities have more traffic accidents, so urban drivers are usually charged more for insurance.
Here is what you can expect Mazda insurance to cost state-by-state:
| City | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Atlanta | $2,547 | $672 | |
| Austin | $2,104 | $560 | |
| Charlotte | $2,384 | $748 | |
| Dallas | $2,419 | $813 | |
| Houston | $2,582 | $750 | |
| Melbourne | $3,235 | $608 | |
| Orlando | $2,806 | $928 | |
| Phoenix | $2,864 | $880 | |
| Salt Lake City | $2,714 | $1,211 | |
| San Antonio | $2,179 | $576 | |
| Compare Prices | |||
By R.E. Fulton
Reviewed by Kathleen Flear, Director of Content.
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