The average car insurance cost for Mazda vehicles is $2,352 per year or $196 per month. Mazda car insurance costs vary depending on the model you own. Whether you drive a sedan or a powerful SUV, it's important to know how much insurance will cost and how to reduce it.
Below, we look at the average car insurance cost for Mazda cars by model. We also highlight the most and least expensive models to insure and share tips to help you save money.
How much does Mazda insurance cost?
On average, Mazda drivers pay $2,352 per year or $196 per month for full coverage car insurance.
The average cost of insuring Mazda vehicles is $311, which is less than the national average, though some models cost much less or much more than others.
| Vehicle model | Liability-only (50/100/50) | Full coverage (100/300/100, $500 ded.) |
|---|---|---|
| 3 Hatchback | $1,173 | $2,410 |
| 3 Sedan | $1,200 | $2,443 |
| CX-5 | $1,056 | $2,021 |
| CX-30 | $1,104 | $2,086 |
| CX-50 | $1,142 | $2,247 |
| CX-90 | $1,169 | $2,680 |
| CX-90 Hybrid | $1,166 | $2,784 |
| MX-5 Miata | $964 | $2,213 |
Tip
If you're shopping for a new or used Mazda, compare car insurance rates before you buy so you know your estimated rate ahead of time and aren't surprised by the cost.
Mazda car insurance cost by model
Here's a closer look at average monthly premiums for popular Mazda models. Rates are based on a 40-year-old driver with a clean record and full coverage.
| Vehicle model | Monthly premium |
|---|---|
| 3 Hatchback | $201 |
| 3 Sedan | $204 |
| CX-5 | $168 |
| CX-30 | $174 |
| CX-50 | $187 |
| CX-90 | $223 |
| CX-90 Hybrid | $232 |
| MX-5 Miata | $184 |
Choose Your Vehicle Model
Mazda 3 insurance cost
The cost to insure a Mazda 3 can vary based on the model year, your location, and the company you choose. Insurance rates tend to be higher for newer models and may differ from state to state. Shopping around and comparing quotes is the best way to save.
Below you'll find tables listing:
- Rates by model - average annual premiums for different model years
- Rates by company - what major insurers charge
- Rates by state - how location affects the cost of coverage
| Year and model | Average annual premium |
|---|---|
| 2024 Mazda 3 | $2,455 |
| 2023 Mazda 3 | $2,371 |
| 2022 Mazda 3 | $2,313 |
| 2021 Mazda 3 | $2,257 |
| 2020 Mazda 3 | $2,178 |
| 2019 Mazda 3 | $2,125 |
| 2018 Mazda 3 | $1,978 |
| 2017 Mazda 3 | $1,904 |
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| GEICO | $1,877 | $156 |
| State Farm | $2,078 | $173 |
| Progressive | $2,172 | $181 |
| Nationwide | $2,196 | $183 |
| Allstate | $3,137 | $261 |
| Farmers | $3,269 | $272 |
| State | Average annual premium | % Diff from national average |
|---|---|---|
| Alabama | $2,290 | 14% less |
| Alaska | $2,263 | 15% less |
| Arizona | $2,405 | 10% less |
| Arkansas | $2,546 | 4% less |
| California | $3,108 | 17% more |
| Colorado | $3,206 | 20% more |
| Connecticut | $2,569 | 4% less |
| Delaware | $2,343 | 12% less |
| Florida | $2,889 | 8% more |
| Georgia | $3,244 | 22% more |
| Hawaii | $1,630 | 39% less |
| Idaho | $1,658 | 38% less |
| Illinois | $2,530 | 5% less |
| Indiana | $2,218 | 17% less |
| Iowa | $2,051 | 23% less |
| Kansas | $2,477 | 7% less |
| Kentucky | $2,686 | 1% more |
| Louisiana | $3,876 | 46% more |
| Maine | $1,677 | 37% less |
| Maryland | $2,249 | 16% less |
| Massachusetts | $2,031 | 24% less |
| Michigan | $3,337 | 25% more |
| Minnesota | $2,708 | 2% more |
| Mississippi | $2,244 | 16% less |
| Missouri | $3,026 | 14% more |
| Montana | $2,447 | 8% less |
| Nebraska | $2,636 | 1% less |
| Nevada | $2,370 | 11% less |
| New Hampshire | $1,755 | 34% less |
| New Jersey | $2,406 | 10% less |
| New Mexico | $2,553 | 4% less |
| New York | $1,702 | 36% less |
| North Carolina | $2,134 | 20% less |
| North Dakota | $2,177 | 18% less |
| Ohio | $1,740 | 35% less |
| Oklahoma | $2,638 | 1% less |
| Oregon | $2,346 | 12% less |
| Pennsylvania | $2,543 | 5% less |
| Rhode Island | $2,861 | 7% more |
| South Carolina | $2,270 | 15% less |
| South Dakota | $2,874 | 8% more |
| Tennessee | $2,707 | 2% more |
| Texas | $3,198 | 20% more |
| Utah | $2,059 | 23% less |
| Vermont | $1,701 | 36% less |
| Virginia | $1,734 | 35% less |
| Washington | $2,291 | 14% less |
| Washington, D.C. | $2,772 | 4% more |
| West Virginia | $2,306 | 13% less |
| Wisconsin | $1,851 | 30% less |
| Wyoming | $2,385 | 10% less |
Mazda CX-5 insurance cost
- The average car insurance cost for CX-5 is $2,041 per year.
- Trim Level - CX-5 2.5 Carbon Turbo, CX-5 2.5 S Carbon Edition, CX-5 2.5 S Preferred, CX-5 2.5 S Premium, CX-5 2.5 S Premium Plus, CX-5 2.5 S Select, CX-5 2.5 Turbo Premium, CX-5 2.5 Turbo Signature
The average cost to insure Mazda CX-5 is around $2,041 per year for full coverage, which is $170 per month.
For liability-only coverage, the cost is around $864 per year, or about $72 per month.
The premiums shown below are based on our sample driver profile — a 40-year-old male driver driving Mazda CX-5 with full coverage. Auto insurance costs can vary significantly based on factors like age, location, driving history and insurance company.
Read on to learn more about the cost of insurance for Mazda models.
| Year and model | Average annual premium |
|---|---|
| 2024 Mazda CX-5 | $2,041 |
| 2023 Mazda CX-5 | $2,037 |
| 2022 Mazda CX-5 | $1,941 |
| 2021 Mazda CX-5 | $1,873 |
| 2020 Mazda CX-5 | $1,870 |
| 2019 Mazda CX-5 | $1,860 |
| 2018 Mazda CX-5 | $1,782 |
| 2017 Mazda CX-5 | $1,714 |
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| GEICO | $1,639 | $137 |
| State Farm | $1,703 | $142 |
| Nationwide | $1,719 | $143 |
| Progressive | $1,816 | $151 |
| Allstate | $2,682 | $224 |
| Farmers | $2,685 | $224 |
| State | Average annual premium | % Diff from national average |
|---|---|---|
| Alabama | $1,912 | 28% less |
| Alaska | $1,846 | 31% less |
| Arizona | $1,973 | 26% less |
| Arkansas | $2,126 | 20% less |
| California | $2,476 | 7% less |
| Colorado | $2,641 | 1% less |
| Connecticut | $2,156 | 19% less |
| Delaware | $2,053 | 23% less |
| Florida | $2,578 | 3% less |
| Georgia | $2,499 | 6% less |
| Hawaii | $1,366 | 49% less |
| Idaho | $1,322 | 50% less |
| Illinois | $1,949 | 27% less |
| Indiana | $1,769 | 34% less |
| Iowa | $1,691 | 37% less |
| Kansas | $2,154 | 19% less |
| Kentucky | $2,533 | 5% less |
| Louisiana | $3,296 | 24% more |
| Maine | $1,351 | 49% less |
| Maryland | $1,887 | 29% less |
| Massachusetts | $1,748 | 34% less |
| Michigan | $2,663 | Equal |
| Minnesota | $2,232 | 16% less |
| Mississippi | $2,137 | 20% less |
| Missouri | $2,343 | 12% less |
| Montana | $2,162 | 19% less |
| Nebraska | $2,116 | 21% less |
| Nevada | $2,028 | 24% less |
| New Hampshire | $1,493 | 44% less |
| New Jersey | $1,980 | 26% less |
| New Mexico | $2,107 | 21% less |
| New York | $1,493 | 44% less |
| North Carolina | $1,776 | 33% less |
| North Dakota | $1,779 | 33% less |
| Ohio | $1,439 | 46% less |
| Oklahoma | $2,186 | 18% less |
| Oregon | $1,944 | 27% less |
| Pennsylvania | $2,184 | 18% less |
| Rhode Island | $2,303 | 14% less |
| South Carolina | $1,835 | 31% less |
| South Dakota | $2,381 | 11% less |
| Tennessee | $2,204 | 17% less |
| Texas | $2,762 | 4% more |
| Utah | $1,661 | 38% less |
| Vermont | $1,456 | 45% less |
| Virginia | $1,437 | 46% less |
| Washington | $1,652 | 38% less |
| Washington, D.C. | $2,323 | 13% less |
| West Virginia | $1,881 | 29% less |
| Wisconsin | $1,542 | 42% less |
| Wyoming | $2,218 | 17% less |
Mazda MX-5 Miata insurance cost
The cost to insure a Mazda MX-5 Miata can vary based on the model year, your location, and the company you choose. Insurance rates tend to be higher for newer models and may differ from state to state. Shopping around and comparing quotes is the best way to save.
Below you'll find tables listing:
- Rates by model - average annual premiums for different model years
- Rates by company - what major insurers charge
- Rates by state - how location affects the cost of coverage
| Year and model | Average annual premium |
|---|---|
| 2024 Mazda MX-5 Miata | $2,217 |
| 2023 Mazda MX-5 Miata | $2,093 |
| 2022 Mazda MX-5 Miata | $2,053 |
| 2021 Mazda MX-5 Miata | $1,988 |
| 2020 Mazda MX-5 Miata | $1,955 |
| 2019 Mazda MX-5 Miata | $1,880 |
| 2018 Mazda MX-5 Miata | $1,796 |
| 2017 Mazda MX-5 Miata | $1,747 |
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Nationwide | $1,886 | $157 |
| State Farm | $1,908 | $159 |
| GEICO | $1,929 | $161 |
| Progressive | $2,113 | $176 |
| Farmers | $2,428 | $202 |
| Allstate | $3,035 | $253 |
| State | Average annual premium | % Diff from national average |
|---|---|---|
| Alabama | $1,994 | 25% less |
| Alaska | $2,095 | 21% less |
| Arizona | $2,182 | 18% less |
| Arkansas | $2,383 | 11% less |
| California | $2,838 | 7% more |
| Colorado | $2,714 | 2% more |
| Connecticut | $2,453 | 8% less |
| Delaware | $2,211 | 17% less |
| Florida | $2,472 | 7% less |
| Georgia | $2,868 | 8% more |
| Hawaii | $1,495 | 44% less |
| Idaho | $1,390 | 48% less |
| Illinois | $2,091 | 21% less |
| Indiana | $1,887 | 29% less |
| Iowa | $1,758 | 34% less |
| Kansas | $2,150 | 19% less |
| Kentucky | $2,688 | 1% more |
| Louisiana | $3,585 | 35% more |
| Maine | $1,641 | 38% less |
| Maryland | $2,252 | 15% less |
| Massachusetts | $2,124 | 20% less |
| Michigan | $2,810 | 6% more |
| Minnesota | $2,621 | 2% less |
| Mississippi | $2,231 | 16% less |
| Missouri | $2,792 | 5% more |
| Montana | $2,206 | 17% less |
| Nebraska | $2,293 | 14% less |
| Nevada | $2,073 | 22% less |
| New Hampshire | $1,663 | 38% less |
| New Jersey | $2,670 | Equal |
| New Mexico | $2,254 | 15% less |
| New York | $1,728 | 35% less |
| North Carolina | $2,257 | 15% less |
| North Dakota | $1,774 | 33% less |
| Ohio | $1,389 | 48% less |
| Oklahoma | $2,387 | 10% less |
| Oregon | $2,028 | 24% less |
| Pennsylvania | $2,429 | 9% less |
| Rhode Island | $2,471 | 7% less |
| South Carolina | $2,032 | 24% less |
| South Dakota | $2,572 | 3% less |
| Tennessee | $2,383 | 11% less |
| Texas | $3,239 | 22% more |
| Utah | $1,501 | 44% less |
| Vermont | $1,540 | 42% less |
| Virginia | $1,713 | 36% less |
| Washington | $2,112 | 21% less |
| Washington, D.C. | $2,508 | 6% less |
| West Virginia | $2,076 | 22% less |
| Wisconsin | $1,643 | 38% less |
| Wyoming | $2,325 | 13% less |
Cheapest Mazda models to insure
If you are looking for the most economical Mazda vehicles to insure, these models have the lowest auto insurance rates:
- CX-5 - $2,041
- CX-30 - $2,107
- MX-5 Miata - $2,217
- CX-50 - $2,270
Why are these models cheaper to insure?
These models may be cheaper to insure for a few reasons:
- Strong safety ratings and advanced safety features. Safer vehicles reduce the risk of injuries and accidents.
- Lower repair costs. Vehicles with readily available, affordable parts are cheaper to insure.
- Lower frequency of claims based on historical data. Insurance companies use this information to set lower rates for models with a good track record.
Most expensive Mazda models to insure
Some Mazda vehicles have a higher price tag—and that includes insurance. These models tend to have higher horsepower, costlier parts and a greater risk profile.
- CX-90 Hybrid - $2,814
- CX-90 - $2,733
- 3 Sedan - $2,475
- 3 Hatchback - $2,432
Why are these models expensive to insure?
These models may be more expensive to insure because:
- They cost more to repair or replace if damaged or stolen.
- They may have powerful engines, which means a higher risk of speeding and therefore, accidents.
- Thieves target them more often.
- They often have expensive parts and advanced tech that are costly to fix.
What factors affect car insurance rates for Mazda?
Several factors influence your insurance rate—some related to the car, others to you as the driver.
- Model and trim level: Performance features and size impact pricing.
- Vehicle age: Newer cars often cost more to insure.
- Safety ratings: Vehicles with more safety tech often earn discounts.
- Driver profile: Your age, ZIP code, credit score and driving history play a big role.
- Coverage level: Full coverage costs more than minimum liability, but provides better protection.
How to save on car insurance if you own Mazda
Car insurance can be a big expense, but there are ways to save money. If you drive a Mazda, you might be able to lower your costs by making smart choices. Here are some steps to save on insurance for your Mazda:
- Shop around - Compare quotes from multiple insurers annually
- Increase deductibles - Opt for a higher deductible to lower premiums
- Bundle policies - Combine auto and home or renters insurance
- Ask about discounts - Safe driver, low mileage, good student and more
- Use telematics - Usage-based programs reward good driving habits
Bottom line
Mazda offers a wide range of vehicles. While insurance costs vary by model, knowing the averages and understanding what affects your rate can help you make smart coverage decisions.
Want the best rate on Mazda car insurance? Start by comparing quotes today and see how much you could save.
Methodology
Data was fielded by Quadrant Information Services across all 50 states and Washington, D.C. for 1,161 vehicle models. More than 67 million data points from 57 insurance companies were analyzed.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage