Best Car Insurance for Mazda 2022

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Car Insurance for Mazda

On average, Mazda drivers pay ${annualpremium} each year for car insurance. But depending on the model you have, your insurance rates could vary. A 3 SV costs $1,774 less more per year to insure than a Tribute ES.
Mazdas are considered premium vehicles and well-liked for their reliability and stylish designs. In 2020, the Japanese automaker sold over one million cars worldwide, a testament to Mazda’s significant demand.
When it’s time to insure your Mazda, know that your rates will depend on the model you drive and factors personal to you.
Jerry can help you find the best prices for the coverage you need. In just 45 seconds, Jerry will find you quotes from over 50 top insurance companies, so you know you’re always getting the best price for the coverage you need.
Here are some real quotes from Jerry customers who saved money when insuring their Mazda.
Quote DateCarCity, StateZip CodeAgeCarrier
Before Jerry
After Jerry
April 30, 2021Mazda 3 TouringSan Diego, CA9210731Allstate$160/mo.$116/mo.
March 19, 2021Mazda 3 SportFarmingville, NY1173862Safeco$220/mo.$136/mo.
July 23, 2021Mazda 3 HatchbackWesterly, RI0289150Allstate$199/mo.$162/mo.
March 2, 2021Mazda 3 SportWinder, GA3068024Gainsco$329/mo.$163/mo.
April 17, 2021Mazda Cx-3 SportDeer Park, NY1172939Progressive$330/mo.$282/mo.
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Insurance for Mazda models

When it comes to the vehicle-specific factors, your insurance will depend mainly on your Mazda’s age and model.

Insurance for Mazda based on the year of the car

Everyone likes the feeling of driving a fresh, new car off the lot—but unfortunately, opting for a new car will net you higher insurance rates.
As a car depreciates, however, it becomes cheaper to insure. In the first year alone, a new car loses 23.5% of its value, according to Edmunds, and over five years it loses up to 60%.
As your car’s value decreases, it becomes less expensive to repair or replace and thus less expensive to insure.
If you’re leasing or financing a new car, you’ll have to pay even more for insurance because your lender will require you to buy a full-coverage policy.
According to Jerry’s internal data, the cheapest years for Mazdas are 1996 and 1990.
The most expensive years for Mazdas are 2017 and 2012.
Average Cost
Annual Savings with Jerry
2021$3,062$1,045Compare Prices
2020$2,640$681Compare Prices
2019$2,706$705Compare Prices
2018$2,886$982Compare Prices
2017$3,432$1,265Compare Prices
2016$3,321$1,189Compare Prices
2015$2,857$1,020Compare Prices
2014$2,708$962Compare Prices
2013$2,534$809Compare Prices
2012$3,323$1,177Compare Prices
2011$2,645$980Compare Prices
2010$2,676$982Compare Prices
2009$2,848$983Compare Prices
2008$3,496$1,492Compare Prices
2007$3,169$1,321Compare Prices
2006$2,690$1,176Compare Prices
2005$2,915$1,280Compare Prices
2004$2,917$1,273Compare Prices
2003$2,656$987Compare Prices
2002$2,614$1,150Compare Prices
2001$1,931$535Compare Prices
2000$1,626$458Compare Prices
1999$2,809$1,471Compare Prices
1998$1,810$801Compare Prices
1997$2,069$899Compare Prices
1996$1,956$1,106Compare Prices
1994$1,664$599Compare Prices
1993$2,395$1,112Compare Prices
1992$2,400$844Compare Prices
1991$2,450$1,164Compare Prices
Key Takeaway Older Mazdas typically cost less to repair or replace than newer ones and may not be leased or financed, so they tend to have lower insurance premiums.
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Insurance for different models of Mazdas

As a premium make, Mazda sits a tier above economy-class vehicles but slightly below true luxury vehicles. Even so, the exact Mazda you choose can cost you more or less to insure.
The car’s model is even more important than its age when it comes to insurance. If you opt for a sedan or a crossover, you may find your insurance rates are lower because of your car’s lower purchase price and higher safety ratings.
Conversely, sports coupes and large SUVs will usually cost more to insure because of their special features, body designs, and high price tags.
The CX-30 may be a cheaper Mazda to insure. A subcompact SUV, this car balances a medium size, the option to forego expensive add-ons, and great safety features.
An RX-8 sports coupe may be more expensive to insure because of its special performance features.
If you want to learn more about car insurance costs for some of the most popular Mazda models, check out the links below.
Key Takeaway Your car model affects your insurance rates. The more expensive the car, the more insurance usually costs.
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Full coverage vs. minimum coverage for your Mazda

Almost every state mandates that all drivers carry minimum amounts of liability insurance, which protects other drivers and cars when you cause an accident.
State liability requirements often include the following coverages:
Coverage typeProtection offered
Bodily injury liability (per person and accident)Pays for the costs associated with the injuries you’ve caused to others
Property damage liability (per accident)Pays for the costs associated with the damage you cause to other people’s vehicles or property
Some states also require uninsured or underinsured motorist protection to cover damages if you’re in an accident with an uninsured or underinsured driver.
Other states—including all no-fault states—require personal injury protection (PIP) as well, which pays for your medical bills and lost income no matter who caused the accident.
To best protect your Mazda, it’s highly recommended that you purchase additional coverages. After all, state-required insurance won’t help you protect your vehicle in an at-fault accident.
Full coverage insurance policies will make sure you are protected in case of high medical costs or significant vehicle damage. Full coverage insurance typically includes:
Coverage typeProtection offered
Collision coverageCovers the costs associated with collisions with another vehicle or object
Comprehensive coverageCovers costs of damages from an event other than a collision, like a weather event, theft, or vandalism.
The average annual insurance premium for a Mazda is $1,552 per year for minimum car insurance and $1,919 for full-coverage insurance.
When you consider all makes and models, the average insurance premium in the US is $1,764 per year for minimum car insurance and $2,486 for full-coverage insurance.
Here’s what it costs to insure a Mazda with minimum coverage and full coverage before and after switching with Jerry.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
As Mazda is a premium line from Toyota, you can expect Mazdas typically to cost more to insure than their economy-class Toyota cousins.
When compared to other premium or high-end makes, Mazdas typically cost more to insure than Nissans but less than Chryslers and Acuras.
If you’re comparing the prices of insurance for similar cars, here are the insurance costs for other brands:
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What impacts your insurance costs for Mazda

Beyond your car’s age, make, and model, your circumstances—including things like age, type of employment, and where you live—will greatly impact how much your insurance costs.

The model of Mazda you drive

As mentioned above, opting for a crossover like the CX-30 will typically cost you less than, say, the RX-8 sports car.
The way you customize your model—or what trim level you choose—can further change how much you have to pay each month.
Higher trim levels loaded with extra features will cost more to insure than a baseline trim.
For example, here’s what insurance you might want to consider for a Mazda CX-5.
TrimFeaturesRecommended coverageReason for coverage
CX-5 SportThe Sport is the CX-5’s baseline trim. It comes with a great price tag but skips out on some fun extra features.Towing and labor coverageIf you’re taking your Sport out on a long road trip or slightly off the beaten path, be sure to purchase this coverage to pay for the costs of any roadside assistance, like tire replacement, winching, and more.
CX-5 Grand Touring ReserveThis high-end trim includes a boosted Turbo engine and enhanced safety features.New car replacement insuranceThis insurance entitles you to the full market value of your car (rather than the depreciated actual cash value) if your Mazda is totaled soon after purchasing it.

Your insurance company

If you’ve just switched to a Mazda or added one to your policy, you may think it’s easiest to just stick with your current insurance provider—but you’ll probably miss out on better deals.
Since insurers offer different rates for the same driver and coverage, your best bet to find the best insurance company for a Mazda is to compare quotes.
Thankfully, gone are the days of having to call each company individually to gather quotes. Jerry makes quote comparison effortless.
All it takes is a quick 45-second sign-up and you’ll get to compare dozens of competitive quotes from top insurers from Nationwide to Allstate, Chubb, and more.
Once you find a plan you like, Jerry will even do all the hard work for you and help you cancel your old policy. Since Jerry reviews your policy every 6 months, you can be sure that you’re always getting the coverage you need at the best price.
Here’s what Mazda drivers paid for car insurance before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Kemper$3,032$1,447Compare Prices
National General$3,379$1,301Compare Prices
Dairyland$3,205$1,141Compare Prices
Allstate$2,812$1,026Compare Prices
Progressive$2,912$1,016Compare Prices
Safeco$3,023$907Compare Prices
State Auto$2,688$902Compare Prices
Nationwide$2,313$666Compare Prices
Travelers$2,404$604Compare Prices
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Your age

If you’re a younger driver (especially under 25), you’ll be considered high-risk by insurers and face higher rates as a result. As drivers age and gain more experience, their premiums will gradually decrease.

Your driving record

Another major factor used in determining your car insurance premiums is your driving record.
If your record includes multiple small infractions (like speeding tickets) or even one major violation (like a DUI), you’ll find it much harder to get affordable quotes.
Fortunately, bettering your driving or taking defensive driving courses could end up saving you money on your car insurance for your Mazda—even with a bad record.
Here are some common insurance premiums for Mazda drivers with previous infractions:
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Where you live

Another factor to keep in mind is your location. For example, if you move from a rural or suburban area to a big city, you can expect your insurance rates to increase.
Insurers consider things like a city’s accident rates and property crime rates when assessing their risk of making a payment. If you live in an area where more drivers have the potential to cause accidents, you’ll likely have to pay more for premiums because of this increased risk of damage to your vehicle.
Furthermore, if your area is prone to severe weather events like tornadoes, earthquakes, or hurricanes, you will likely face higher insurance rates because of the increased risk of having to file weather-related property damage claims.
According to our data, there is a high percentage of Mazda drivers in cities including Jacksonville (FL), Austin (TX), San Antonio (TX), Chesapeake (VA) and Houston (TX). The cheapest car insurance for Mazda for Jerry users is in Berwick (PA) and Draper (UT). The most expensive car insurance for Mazda for Jerry users is in Fayetteville (GA) and Wilmington (DE).
Regardless of where you live, your demographics, or the model of Mazda you drive, you can find the best rates on car insurance by shopping with Jerry.
As a licensed broker and car super app, Jerry is the easiest way to find a better insurance policy customized to your needs. The average Jerry user saves $879 a year!

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