Make cars that make driving matter. That’s the Mazda motto that translates into each of the company’s vehicles. When shopping for your new Mazda vehicle, you’ll want to consider the price, interior and exterior features, safety ratings, crash test ratings and more. You’ll also want to factor in the cost of insurance.

The national average for all Mazda models combined is $1,529 per year. (Based on rates for a 40-year-old male with full coverage). That figure compares to a national average of $1,758 for all vehicles and why Mazda was one of only a few auto manufacturers that sold more cars in 2020 than they did in 2019.

Looking for a Mazda vehicle that you can insure without breaking your budget? We’ll show you which Mazdas offer affordable car insurance.

Key Highlights
  • To get the best car insurance rates for your Mazda, compare models and insurance rates from different insurers.
  • The national average car insurance costs for all Mazda models combined is $1,529 per year.
  • Yearly insurance rates can vary depending on several factors, including the state where you live and the vehicle's year.

Mazda car insurance cost by model

When setting a premium for your Mazda, insurance companies consider a long list of features, like sticker price, safety features, theft rate and repair costs. Recent accidents and traffic violations will negatively impact your rates.

Vehicles with a low sticker price, a broad range of safety features, smaller engines and reasonable repair costs typically get lower rates.

To compare 2021 insurance rates, take a look at the average national cost for each Mazda model. Of course, your yearly rates can vary depending on several factors, including the state where you live and the year of the vehicle.

Average Mazda Car Insurance Rates for 2021
MakeModelModel YearAvg. Nationwide
MazdaCX-32021$ 1,303
MazdaCX-52021$ 1,388
MazdaCX-92021$ 1,582
MazdaCX-302021$ 1,667
MazdaMazda32021$ 1,650
MazdaMazda62021$ 1,627
MazdaMX-52021$ 1,484

To get a better idea of the cost of insurance for each model, we’ve put together a list of some of the most popular Mazda models comparing the 2021 average insurance rates, the average cost to buy a new Mazda, various trim packages for each model, and safety ratings.

Mazda CX-3 insurance cost

Trim packages

  • CX-3 Sport

Average 2021 insurance cost

  • $1,303 per year on average

Awards and safety rating

  • Ranked as a top safety pick for 2021 by the Insurance Institute for Highway Safety (IIHS)

Average new vehicle cost

  • $22,560

Used CX-3 insurance costs

Insurance costs for a 2016 CX-3 depend on the style— 4WD or 2WD and coverage options, vehicle age, state, insurance company and mileage.

MakeModelModel YearAvg. Nationwide
MazdaCX-3 Grand Touring, CX-3 Sport, CX-3 Touring2017$ 1,378
MazdaCX-3 Grand Touring, CX-3 Sport, CX-3 Touring2018$ 1,365
MazdaCX-3 Grand Touring, CX-3 Sport, CX-3 Touring2019$ 1,404
MazdaCX-3 Grand Touring, CX-3 Sport, CX-3 Touring2020$ 1,370

Mazda CX-9 insurance cost

The Mazda CX-9 is a near-luxury SUV with cabin trimmings and top-quality fit-and-finish. It is available in five trim packages. It delivers a comfortable ride and surprisingly affordable insurance for this type of vehicle.

Trim packages

  • Sport
  • Touring
  • Carbon Edition
  • Grand Touring
  • Signature

Average 2021 insurance cost

  • $1,582 per year on average

Awards and safety rating

  • Ranked as a top safety pick for 2021 by the Insurance Institute for Highway Safety (IIHS).
  • Five-star rating by the National Highway Traffic Safety Administration (NHTSA).

Average new vehicle cost (all models)

  • $34,160 - $46,805

Used CX-9 insurance costs

Insurance costs for a 2016 CX-3 depend on the trim package, vehicle age, state, insurance company, mileage and coverage options. We compared two models—Sport and Touring to get an idea of used insurance rates for a 2016 CX-9.

MakeModelModel YearAvg. Nationwide
MazdaCX-9 Grand Touring, CX-9 Signature, CX-9 Sport and 1 more2017$ 1,601
MazdaCX-9 Grand Touring, CX-9 Signature, CX-9 Sport and 1 more2018$ 1,636
MazdaCX-9 Grand Touring, CX-9 Signature, CX-9 Sport and 1 more2019$ 1,697
MazdaCX-9 Grand Touring, CX-9 Signature, CX-9 Sport and 1 more2020$ 1,619

Mazda3 insurance cost

The Mazda3 is one of the more enjoyable-to-drive small sedans around. Up against a field of stylish new sedans for 2021, its new turbocharged four-cylinder engine makes the Mazda3 worth checking out. For all that, the Mazda 3 still beats the national average for insurance costs of many similar models.

Trim packages

  • 2.0 Sedan
  • 2.5 S Sedan
  • Select
  • Preferred
  • Premium
  • 2.5 Turbo
  • 2.5 Turbo Premium Plus

Average 2021 insurance cost

  • $1,650 per year on average

Awards and safety rating

  • Ranked as a top safety pick for 2021 by the Insurance Institute for Highway Safety (IIHS).
  • Best Car Brand by U.S. News & World Report (2021)

Average new vehicle cost (all models)

  • $20,650 - $32,600

Used Mazda3 Sedan insurance costs

Insurance costs for a 2017 Mazda3 Sedan depend on the trim package, standard model or turbo-charged and coverage options. Vehicle age, state, insurance company and mileage also play a part in what you’ll pay for used car insurance.

We compared two models—Mazda3 Sport and Grand Touring to get an idea of what you’d pay in insurance for a used 2017 Mazda3.

MakeModelModel YearAvg. Nationwide
MazdaMazda3, Mazda3 Grand Touring, Mazda3 Preferred and 5 more2017$ 1,597
MazdaMazda3, Mazda3 Grand Touring, Mazda3 Preferred and 5 more2018$ 1,600
MazdaMazda3, Mazda3 Grand Touring, Mazda3 Preferred and 5 more2019$ 1,849
MazdaMazda3, Mazda3 Grand Touring, Mazda3 Preferred and 5 more2020$ 1,767

Mazda CX-5 insurance cost

Auto insurance premiums on the Mazda CX-5 vary by state, age, mileage and insurance company. With a mix of safety features, fuel economy and a low repair record, the Mazda CX-5 is one of the more inexpensive vehicles in its class to insure.

Trim packages

  • Sport
  • Touring
  • Carbon Edition
  • Carbon Edition Turbo
  • Grand Touring
  • Grand Touring Reserve
  • Signature

Average 2021 insurance cost

  • $1,388 per year on average

Awards and safety rating

  • Ranked as a top safety pick for 2021 by the Insurance Institute for Highway Safety (IIHS).
  • Five-star rating by the National Highway Traffic Safety Administration (NHTSA).

Average new vehicle cost (all models)

  • $25,370 - $37,505

Used Mazda CX-5 insurance costs

Overall, customer satisfaction, safety features and relatively high reliability make the Mazda CX-5 an affordable used car to insure. Even one of the more expensive trim packages won’t add greatly to your insurance cost, and may even lower your full coverage cost.

MakeModelModel YearAvg. Nationwide
MazdaCX-5 Grand Select, CX-5 Grand Touring, CX-5 Grand Touring Reserv and 4 more2017$ 1,410
MazdaCX-5 Grand Select, CX-5 Grand Touring, CX-5 Grand Touring Reserv and 4 more2018$ 1,439
MazdaCX-5 Grand Select, CX-5 Grand Touring, CX-5 Grand Touring Reserv and 4 more2019$ 1,513
MazdaCX-5 Grand Select, CX-5 Grand Touring, CX-5 Grand Touring Reserv and 4 more2020$ 1,477

Mazda6 insurance cost

Among similar midsize sedans, the Mazda6 ranks high for overall styling and comfort. It comes in six trim packages and looks and drives like more expensive models, which can make it a target for theft and vandalism. Even so, insurance costs remain relatively low.

Trim packages

  • Sport
  • Touring
  • Grand Touring
  • Grand Touring Reserve
  • Carbon Edition
  • Signature

Average 2021 insurance cost

  • $1,627 per year on average

Awards and safety rating

  • Ranked as a top safety pick for 2021 by the Insurance Institute for Highway Safety (IIHS).
  • Best Car Brand by U.S. News & World Report (2021)
  • Kelly Blue Book Award

Average new vehicle cost (all models)

  • $24,475 - $35,900

Used Mazda6 insurance costs

Used car insurance on the Mazda6 can fluctuate, but only a little, based on trim packages, added extras, like safety and luxury features, and whether you choose state minimum coverage or full coverages.

MakeModelModel YearAvg. Nationwide
MazdaMazda6 Grand Touring, Mazda6 Grand Touring Rese, Mazda6 Grand Touring Reserve and 3 more2017$ 1,599
MazdaMazda6 Grand Touring, Mazda6 Grand Touring Rese, Mazda6 Grand Touring Reserve and 3 more2018$ 1,656
MazdaMazda6 Grand Touring, Mazda6 Grand Touring Rese, Mazda6 Grand Touring Reserve and 3 more2019$ 1,710
MazdaMazda6 Grand Touring, Mazda6 Grand Touring Rese, Mazda6 Grand Touring Reserve and 3 more2020$ 1,712

How to budget and save on Mazda car insurance

Almost every state requires you to have car insurance. New Hampshire and Virginia are the only exceptions. The right policy can protect you, your passengers and your property from costly expenses in the case of an accident, theft or another mishap.

You can also estimate your car insurance rate, so you can get a better idea of what you’ll pay based on your driver profile. This can be very helpful when shopping for an auto policy, so you stay on budget.

If you’re like most people, you want the best policy for your Mazda at the best price. Check out these tips and tricks to lower your car insurance:

  1. If you can swing it, go for a higher deductible. A higher deductible can reduce your premium, but you’ll pay more out-of-pocket if you file a claim.
  2. Take advantage of discounts if offered. Many insurers offer discounts for things like good grades, taking a driving training course, or installing or opting for anti-theft and safety equipment.
  3. Bundling policies. Most insurance companies allow you to bundle your car insurance with homeowners, renters or life-insurance policies. By bundling, you save money over paying for each policy separately.
  4. Watch your credit score. Insurers in most states can look at your credit score when setting your premiums.
  5. Reduce your mileage. The average miles driven per year is 12,000. If you drive less than that, notify your insurance company. It can cut between 5 to 10% annually off your premium.
  6. Choose the best Mazda for you. Because vehicle damage repair costs vary greatly from one model to the next, knowing the cost of insurance for the different Mazda models can help you budget for car and insurance payments.