Cost of Mazda Car Insurance (2025)
Many factors affect the cost of Mazda car insurance, but average rates start at $106 per month.
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Founded in 1920, Mazda offers drivers a storied history and a variety of car makes and models for consumers to choose from. The average monthly cost of full-coverage car insurance for a Mazda is $183, compared to the national monthly average of $182 for all makes and models. The average monthly cost of liability-only insurance for a Mazda is $113, compared to the national monthly average of $103.1
Cost of Mazda insurance by model
The model of Mazda you choose can affect how much you spend on car insurance. It’s important to note that the more expensive the vehicle model is, the more it generally costs to insure the car.
The following table will give you an idea of how much you may spend on the model of your choice.
Cheapest Mazda insurance by model
Not sure which used or new Mazda is right for you? This is how much it costs to insure these eight popular models.
Mazda CX-3
If you’re on the hunt for a Mazda crossover SUV, you can choose between a used CX-3 (no longer produced) or a used or new CX-5. On average, you’ll spend $141 per month on insurance with the CX-3, whereas with the CX-5, you’d spend an average of $144.50).
Mazda CX-5
The new 2024 CX-5 has an MSRP of $29,300.2 This crossover SUV comes with Mazda intelligent Drive Select technology (Mi-Drive) and i-Activ AWD. You should plan to spend an average of $128 per month for liability insurance or $180 for a full-coverage policy.
Mazda CX‑50
It costs $180 per month, on average, for a full-coverage policy for the CX-50. However, a high monthly premium may be worth the impressive capabilities of the CX-50 when it comes to towing and navigating rugged terrains.
Mazda CX‑30
This SUV comes with an average rate of $201 per month for a full-coverage policy, but it’s more affordable than other Mazda options, starting at $24,995.2 This MSRP is significantly less than the CX-9 ($39,595), and the vehicle model costs $24 less per month to insure.2
Mazda 3
The Mazda 3 has an MSRP of $24,170 and costs an average of $161 per month to insure — less than the similar Mazda 6 ($173).2 Don’t let the low price fool you — this model comes with all the modern bells and whistles, including a 10.25-inch full-color display.
Mazda CX-9
The CX-9 is an expensive Mazda model to insure (liability-only policies cost an average of $106), so make sure you take your monthly budget into account before buying this car. The SUV also has a high MSRP — starting at $39,595.2
Mazda 6
While the Mazda 6 is no longer in production, current owners of this sedan may be looking for a new car insurance policy. You can expect to spend $208 per month for a full-coverage policy or $138 per month for a liability policy on one of these older models.
Mazda MX-5 Miata
The Mazda MX-5 Miata is an affordable drop-top compact sports car with a starting price of $28,050.2 It boasts a lively 181-horsepower four-cylinder engine and a nostalgic six-speed manual transmission, reminiscent of classic sports cars. The MX-5 is one of the more expensive Mazda models to insure, at $214 per month for full coverage.
Best companies for Mazda car insurance
Three of the best car insurance companies for Mazda car insurance include USAA, State Farm, and GEICO. The best insurance company for you will depend on your unique insurance needs and financial situation. It’s crucial to compare quotes from multiple insurance companies before making a decision.
Best for military members, veterans, and their families: USAA
Best for overall customer satisfaction: State Farm
Best for drivers older than 25: GEICO
Mazda car insurance coverages
In most states, you’re legally required to have a liability-only policy at the bare minimum. However, you can consider a few additional different types of car insurance coverage to better protect yourself:3
Mazda car insurance FAQs
Finding the right car insurance as a Mazda driver will depend on what model you drive, your driving history, your location, your age, and other factors. Below are answers to some of the most commonly asked questions about Mazda insurance.
Which company has the cheapest Mazda insurance?
On average, Hugo offers the cheapest Mazda car insurance policies for a variety of different models. Hugo offers policies for Mazda drivers starting at just $61 per month for some models. But if you finance or lease your Mazda, or need higher liability limits, you won't be able to buy a policy from Hugo. The insurer only sells state minimum coverage.
Some of the other most affordable and best car insurance companies that Mazda drivers should request car insurance quotes from include USAA, State Farm, and GEICO.
Are Mazdas expensive to insure?
Not especially. If you decide to buy a Mazda, you can expect your car insurance costs to be fairly average. The average cost of car insurance per month nationwide is $154 per month. Mazda drivers can expect to spend a little bit less than this, at an average of $149 per month.
How much does it cost to insure a Mazda 3?
The average cost of insuring a Mazda 3 is $161 per month. How much you actually spend can depend a lot on the type of car insurance coverage you choose. For example, on average, Mazda drivers pay just $118 monthly for a liability-only policy but $204 monthly for full-coverage car insurance. Don’t forget to get auto insurance quotes from multiple insurance companies.
Why is Mazda insurance so high?
Mazda insurance premiums may be higher than those associated with other vehicle makes due to factors like the car’s cost, chosen trim levels, rarity of parts, safety features (like anti-lock brakes), common repair needs, and safety ratings. Shopping around with a few different auto insurance companies and comparing insurance quotes can help mitigate these costs.
Other factors, like your age, location, and driving record, also affect premiums. One of the best ways to keep your auto insurance premiums low is to maintain a clean driving record.
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