When buying a new vehicle, factor in the cost of car insurance as part of your overall budget.
According to CarInsurance.com’s rate analysis, the average annual cost for Mazda car insurance is $2,347 or $196 per month. Remember that your specific rates may vary depending on the Mazda model you choose, the model year, your age, your driving history and the insurer.
- The annual average nationwide cost of full coverage car insurance for Mazda is $2,347 per year.
- The CX-5 is the cheapest Mazda model to insure.
- Advanced safety features that come standard on Mazda models help lower your insurance costs.
Average cost of car insurance for a Mazda, by company
Car insurance premiums can vary widely based on the make of your vehicle. Insurance companies have their own methods for calculating the risk and the probability of claim filing. They consider various factors, including your driving history, location, age and the type of vehicle you own, to determine your auto insurance rates.
Below, you’ll find Mazda car insurance rates from various insurance companies.
Cost to insure a Mazda, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Geico | $1,833 | $916 | $153 |
| Progressive | $2,006 | $1,003 | $167 |
| State Farm | $2,045 | $1,023 | $170 |
| Nationwide | $2,138 | $1,069 | $178 |
| Farmers | $3,035 | $1,517 | $253 |
| Allstate | $3,168 | $1,584 | $264 |
Mazda average insurance rates, by model
Mazda CX-5 car insurance cost
Car insurance cost for a Mazda CX-5 is $168 per month or $2,021 a year, based on CarInsurance.com’s rate analysis. Geico offers the most affordable car insurance rates for a Mazda CX-5 at an average monthly cost of $136 or $1,637 yearly.
Mazda CX-30 car insurance cost
The average car insurance premium for Mazda CX-30 is $174 per month, which translates to $2,086 per year. The most affordable company for a Mazda CX-30 is Geico with a rate of $133 monthly or $1,596 per year.
Mazda MX-5 Miata car insurance cost
The average car insurance premium for Mazda MX-5 Miata is $184 per month, which translates to $2,213 per year. The most affordable company for a Mazda MX-5 Miata is Nationwide with a rate of $157 monthly or $1,886 per year.
Mazda CX-50 car insurance cost
The average car insurance premium for Mazda CX-50 is $187 per month, which translates to $2,247 per year. The most affordable company for a Mazda CX-50 is Geico with a rate of $143 monthly or $1,714 per year.
Mazda 3 Hatchback car insurance cost
The average car insurance premium for Mazda 3 Hatchback is $201 per month, which translates to $2,410 per year. The most affordable company for a Mazda 3 Hatchback is Geico with a rate of $156 monthly or $1,866 per year.
Mazda 3 Sedan car insurance cost
The average car insurance premium for Mazda 3 Sedan is $204 per month, which translates to $2,443 per year. The most affordable company for a Mazda 3 Sedan is Geico with a rate of $157 monthly or $1,888 per year.
Insurance rates by car model
The average cost of car insurance for a Mazda, by driver age
Your age is an important rating factor in determining your Mazda car insurance premiums. Young drivers often pay the highest car insurance rates because of their inexperience behind the wheel. On the other hand, adult drivers pay affordable premiums for the same coverage.
According to the Insurance Information Institute, young drivers made up only 5.1% of all licensed drivers in 2020 but accounted for 8.5% of all drivers involved in fatal crashes. Statistics clearly show that young drivers are involved in more accidents which result in claims. Teens also engage in more reckless behavior behind the wheel than older drivers, and that additional risk pushes up the cost of insurance.
Car insurance costs generally decrease as drivers gain more experience and avoid getting tickets and filing claims. However, when drivers turn 60, insurance rates tend to rise again. The tables below show Mazda insurance costs based on the driver’s age.
Cost to insure a Mazda, by model, for 18-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 18 | Mazda 3 Hatchback | $8,986 | $4,493 | $749 |
| 18 | Mazda 3 Sedan | $9,148 | $4,574 | $762 |
| 18 | Mazda CX-5 | $7,352 | $3,676 | $613 |
| 18 | Mazda CX-30 | $7,639 | $3,820 | $637 |
| 18 | Mazda CX-50 | $8,176 | $4,088 | $681 |
| 18 | Mazda CX-90 | $9,569 | $4,785 | $797 |
| 18 | Mazda CX-90 Hybrid | $9,891 | $4,946 | $824 |
| 18 | Mazda MX-5 Miata | $7,942 | $3,971 | $662 |
Cost to insure a Mazda, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Mazda 3 Hatchback | $2,410 | $1,205 | $201 |
| 40 | Mazda 3 Sedan | $2,443 | $1,222 | $204 |
| 40 | Mazda CX-5 | $2,021 | $1,010 | $168 |
| 40 | Mazda CX-30 | $2,086 | $1,043 | $174 |
| 40 | Mazda CX-50 | $2,247 | $1,124 | $187 |
| 40 | Mazda CX-90 | $2,680 | $1,340 | $223 |
| 40 | Mazda CX-90 Hybrid | $2,784 | $1,392 | $232 |
| 40 | Mazda MX-5 Miata | $2,213 | $1,107 | $184 |
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Mazda car insurance rates by state
Your location significantly impacts your Mazda car insurance premiums. Insurance rates vary widely from state to state due to factors like traffic density, accident statistics, theft/vandalism, weather events and state laws. Below, you’ll find Mazda car insurance rates by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,153 | $1,076 | $179 |
| Alabama | $2,251 | $1,126 | $188 |
| Arkansas | $2,422 | $1,211 | $202 |
| Arizona | $2,277 | $1,139 | $190 |
| California | $3,051 | $1,525 | $254 |
| Colorado | $3,106 | $1,553 | $259 |
| Connecticut | $2,460 | $1,230 | $205 |
| Washington, D.C. | $2,704 | $1,352 | $225 |
| Delaware | $2,266 | $1,133 | $189 |
| Florida | $2,770 | $1,385 | $231 |
| Georgia | $3,192 | $1,596 | $266 |
| Hawaii | $1,545 | $773 | $129 |
| Iowa | $1,989 | $994 | $166 |
| Idaho | $1,566 | $783 | $130 |
| Illinois | $2,354 | $1,177 | $196 |
| Indiana | $2,106 | $1,053 | $175 |
| Kansas | $2,457 | $1,229 | $205 |
| Kentucky | $2,749 | $1,374 | $229 |
| Louisiana | $3,691 | $1,846 | $308 |
| Massachusetts | $1,995 | $998 | $166 |
| Maryland | $2,165 | $1,083 | $180 |
| Maine | $1,583 | $792 | $132 |
| Michigan | $3,114 | $1,557 | $260 |
| Minnesota | $2,616 | $1,308 | $218 |
| Missouri | $2,986 | $1,493 | $249 |
| Mississippi | $2,226 | $1,113 | $185 |
| Montana | $2,385 | $1,193 | $199 |
| North Carolina | $2,118 | $1,059 | $176 |
| North Dakota | $2,067 | $1,034 | $172 |
| Nebraska | $2,636 | $1,318 | $220 |
| New Hampshire | $1,709 | $855 | $142 |
| New Jersey | $2,297 | $1,148 | $191 |
| New Mexico | $2,427 | $1,214 | $202 |
| Nevada | $2,260 | $1,130 | $188 |
| New York | $1,893 | $946 | $158 |
| Ohio | $1,612 | $806 | $134 |
| Oklahoma | $2,493 | $1,247 | $208 |
| Oregon | $2,224 | $1,112 | $185 |
| Pennsylvania | $2,483 | $1,242 | $207 |
| Rhode Island | $2,794 | $1,397 | $233 |
| South Carolina | $2,142 | $1,071 | $179 |
| South Dakota | $2,754 | $1,377 | $230 |
| Tennessee | $2,583 | $1,291 | $215 |
| Texas | $3,153 | $1,577 | $263 |
| Utah | $1,943 | $972 | $162 |
| Virginia | $1,692 | $846 | $141 |
| Vermont | $1,625 | $813 | $135 |
| Washington | $2,121 | $1,060 | $177 |
| Wisconsin | $1,795 | $897 | $150 |
| West Virginia | $2,164 | $1,082 | $180 |
| Wyoming | $2,498 | $1,249 | $208 |
Average car insurance cost for different vehicle makes
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If you’re looking for affordable Mazda car insurance, it’s wise to choose vehicles designed with families in mind, such as small SUVs. These cars typically come equipped with advanced safety features, have smaller engines and are often driven by parents with children onboard. As a result, drivers tend to be more cautious, leading to fewer accidents.
Safety features such as airbags, backup cameras, automatic emergency braking and lane departure warnings help to get affordable car insurance premiums. As in years past, minivans and small to midsize SUVs continue to rank among the most affordable vehicles to insure.
Pickups and commercial vans also tend to be cheaper to insure than sedans and other vehicle types. They are usually cheaper to repair because the back end of the vehicle is just an empty bed, it doesn’t have seating or other expensive electrical and safety components. Cheaper repairs result in cheaper insurance.
Cheapest Mazda models to insure
Smaller, less expensive Mazda models that have a low-power engine under the hood are always going to be cheaper to insure than more upscale or sporty models. Entry-level Mazda base models can be very affordable to insure, but your premium will be headed up as you go up the scale when it comes to higher-level trims.
Choosing family-friendly models with robust safety features can help lower your insurance costs. Advanced safety technologies like automatic emergency braking, a backup camera and blind spot detection often lead to premium discounts.
“If you are a younger driver, you will probably pay more for auto insurance, so you may need to consider practicality versus style,” says Lauren Mckenzie, independent broker/agent with A Plus Insurance. “If you are younger and you choose a fast, luxurious sports car, your monthly insurance payments could end up being more than your monthly auto loan payments.”
Most expensive Mazda models to insure
Luxury vehicles and sports cars typically rank among the most expensive vehicles to insure. Luxury cars and sports models often come with higher premiums due to their increased theft risk and higher repair or replacement costs. Meanwhile, larger SUVs can also result in higher insurance rates because of their potential to cause more damage in an accident.
If you are hoping to keep your insurance bill low, avoid these types of vehicles:
- EVs: EVs have large, very expensive batteries under the hood which makes them expensive to insure. Battery packs can cost up to $20,000 to replace, so insurers factor that risk into your rate.
- Luxury and sports cars: A big engine is always a red flag for insurers as is a sky-high sticker price. Luxury and sports cars come with a big sticker price, are fast, and filled with exotic trims and technology, all of which make them very costly to repair or replace if you file a claim which is why they are super expensive to insure.
- Favorites of thieves: Insurers keep a close eye on statistics, and if your vehicle is a favorite with car thieves, you will pay more for coverage. The National Insurance Crime Bureau (NICB) releases a list every year of hot cars with thieves so avoid those vehicles to keep your premium low.
How to save on car insurance for a Mazda
“Shop around for quotes from multiple insurers. Also, investigate group auto insurance that may be available from your employer,” says Brian Martucci, finance editor for Minneapolis-based Money Crashers.
Additionally, drop insurance coverage you don’t need, especially if you want to purchase an older vehicle model.
“You can shift money from one type of coverage to additional coverage on the uninsured motorist property damage coverage, for example. This way, so long as you are not the one at fault in an accident, your vehicle will be covered, and you will save a lot of money on car insurance,” McKenzie says.
Before committing to a vehicle, estimate your car insurance costs and shop for the best value. Compare quotes from different insurance companies carefully.
“If your car insurance payments are still on the higher end, consider choosing a higher deductible, such as $1,000 instead of a $500 deductible – which will lower your premium,” McKenzie says. “Also, consider leaving off additional coverages like rental reimbursement or roadside assistance, which may save you money, too.”
Mazda discounts on car insurance
You can take advantage of all the available discounts to lower your Mazda car insurance costs. Insurance companies offer various discounts that can significantly reduce your premiums.
Discounts can be related to the vehicle you drive or your personal factors. Insurance companies often offer reduced premiums for vehicles equipped with advanced safety features such as automated emergency braking, lane departure warnings and driver alertness monitors.
In addition, you may be able to save a bit of coin by having an anti-theft device installed or driving a brand-new car as some insurers offer a new car discount.
Discounts related to your personal factors can include major discounts such as being a good driver or a good student (if you have a teen on your policy).
“You may also qualify for a low-mileage discount by driving less and by bundling multiple policies, like home and auto, with the same carrier,” Martucci says.
Learn about common car insurance discounts for an overview of the most common savings for Mazda auto insurance.
How does a car’s make affect car insurance rates?
Curious about Mazda insurance premiums? The insurance rates vary based on the specific model you choose. Since Mazda manufactures various vehicles, the insurance premiums differ accordingly.
Smaller SUVs and minivans are among the least expensive vehicles to insure, while luxury models and sporty sedans come with higher insurance costs. Pickup trucks generally fall on the more affordable side of insurance rates-unless you opt for luxury trim levels.
Insurance companies accumulate excessive statistical data, revealing that family-friendly vehicles-like SUVs and minivans-are involved in fewer accidents and file fewer claims than sedans and sports cars. This is one reason why they are cheaper to insure. Additionally, luxury vehicles and sports cars are equipped with expensive materials and advanced technology, which drives up repair costs and, as a result, increases insurance premiums.
When comparing car insurance quotes, make sure to compare quotes thoroughly for different types of vehicles. For instance, insuring a luxury sedan generally costs more than insuring a minivan or mid-size SUV. To make an informed decision, be sure to compare quotes for the same vehicle type and coverage levels.
The same advice should be followed when comparing vehicles from different manufacturers. A luxury German sedan (BMW or Mercedes for example) will be more expensive to insure than a minivan or compact vehicle from another manufacturer, so always compare similar vehicle types and trim levels when shopping for a new vehicle or policy.
Check out car insurance rates by model: Compare rates for over 3,000 models
About the company: Mazda
Mazda, a Japanese automotive manufacturer, was founded in Hiroshima, Japan, in 1920. Known for its commitment to innovation and design, Mazda has built a strong reputation for producing cars that are not only reliable and fuel-efficient but also fun to drive.
Final thoughts on Mazda insurance costs
Mazda makes a variety of different models and the cost to insure them will vary based on a number of factors. Choosing entry-level vehicles with a low starting price, smaller engine under the hood and plenty of safety features will help keep your premium affordable while more luxury and sporty models will push up the cost of coverage.
You can reduce your insurance costs by regularly comparing coverage options, inquiring about available discounts and choosing the highest deductible.
Frequently asked questions
Does my driving record impact how much I pay to insure my Mazda?
Your driving record is important in determining your Mazda’s insurance premium. Generally, a clean driving history results in lower rates, while incidents such as accidents, speeding violations, or DUI charges can significantly raise your premium.
Does the color of my Mazda affect the insurance premium?
The color of your Mazda does not influence your insurance premium. Insurance companies determine rates based on factors such as the model, age, safety features and driving history, but vehicle color has no impact on the cost.
How does the age of my Mazda affect insurance costs?
The age of your Mazda can affect your insurance costs. Generally, older models may come with lower premiums due to depreciation, although they might lack modern safety features, which can lead to slightly higher rates. In contrast, newer models typically have higher premiums because they are more costly to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed July 2025.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates for different makes and models. The rates are based on sample profiles of 18 and 40-year-old male drivers carrying full coverage policy with limits of 100/300/100 and a $500 collision and comprehensive deductible.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies across the nation.
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