Mazda Auto Insurance: What’s cheapest?

Consumer data indicates that Mazdas last a very long time, able to travel between 200,000 and 300,000 miles with proper maintenance before experiencing major issues. But are Mazdas cheap to insure?

Find out how much your Mazda will cost to insure and get the best rates from companies here.

How much does it cost to insure a Mazda?

Comparing Mazda to all other automakers, the cost of insurance is average. While the average monthly cost to insure a Mazda is about $250, other non-luxury models like Toyota and Honda only cost around $170 per year on average. Compare Toyota auto insurance and Mazda auto insurance to learn more.

On the other hand, Mazdas are far less expensive to insure than high-end luxury cars made by companies like Lexus, Mercedes, and BMW. Depending on the model, these cars typically cost $4,000 or more to insure annually.

In general, smaller, faster cars cost more to insure since these models are more likely to get in collisions, and pricier cars are more expensive to repair, raising insurance costs. However, this relationship is not necessarily straightforward, as enhanced safety features, including obstacle avoidance sensors, may prevent higher rates. That’s why it’s important to compare Mazda insurance quotes before you buy coverage.

Mazda Insurance Rates by Model

Many consumers may be surprised to see less expensive Mazdas actually costing more when it comes to a full coverage auto insurance policy.

However, fortunately for most, the cost to insure a Mazda goes down substantially the older the model.

Mazda Insurance Rates by Company

The cost of Mazda auto insurance varies widely by both the model and the insurance company. 

Full Coverage Auto Insurance Rates From Top Providers

This is why asking for discounts when underwriting a new automobile insurance policy is so important. The price of insurance can decrease considerably depending on your age and driving history. 

Mazda CX-5 Insurance Rates

Mazda CX-5 auto insurance consistently leads as the most expensive for its class among similar SUVs.

The Mazda CX-5 insurance costs are roughly $135 cheaper per year than the average vehicle. The average insurance cost for Mazda CX-5 for a full-coverage policy is $115 per month or $1,384 yearly.

Mazda CX-30 Insurance Rates

The Mazda CX-30, a compact crossover SUV, is one of the cheaper Mazda to insure at $221 per month for comprehensive, collision, and liability coverage. 

When compared to all 2022 model year cars (not just small SUVs), average Mazda CX-30 insurance costs almost 14% less than the national average auto insurance premium of around $133 monthly. Find out more about Mazda CX-3 insurance cost here.

Mazda CX-9 Insurance Rates

So, how much is insurance for a Mazda CX-9? For ordinary insurance coverage, the Mazda CX-9 auto insurance typically costs around $120 monthly. Of course, numerous other factors (such as location, driving record, and driver age) might influence your total insurance cost.

The Mazda CX-9 is one of Mazda’s highest-selling luxury SUV crossovers. One of the consistently-cheapest insurance companies for Mazdas is State Farm. 

Mazda 3 Sedan Car Insurance Rates

Insurers regard the Mazda as a sports car, even with a base model 148hp engine. This is a major reason why auto insurance for a Mazda can be so much more expensive than the national average. 

If you drive it frequently, expect to pay higher Mazda 3 insurance costs. However, the Mazda 3 is a fantastic option for many drivers because it gets great gas mileage and performs well in crash tests. 

Why is Mazda 3 sedan insurance so high? Because it’s considered a sports car, it may increase your chance of being found at fault in an accident. Hence, the higher car insurance rates.

Don’t be surprised if younger drivers find it difficult to insure a Mazda 3, as the cost can be easily over $330 per month.

Mazda 3 Hatchback Insurance Rates

The cost to insure a Mazda 3 Hatchback is even higher than the Mazda 3 Sedan — it’s the most expensive model to insure overall.

However, the Mazda 3 boasts ABS, anti-theft, stabilization control, and a 5-star safety rating overall. In addition, Geico offers one of the most affordable auto policies for this model. Find out more about Mazda 3 car insurance here.

Mazda MX-5 Miata Insurance Rates

With near-perfect 50/50 weight distribution, this classic convertible inspired by the smaller sportscars of the 1950s and 1960s is unmistakable when you see one on the road.

Mazda MX-5 Miata insurance will cost roughly $120 monthly. This beats the national average for popular convertible cars, making it an incredible value and much cheaper to insure than a Ford Mustang, Dodge Challenger, Chevy Corvette, or Porsche 911. Learn more about the best car insurance for a Mazda MX-5 Miata.

Mazda MX-30 Insurance Rates

Mazda’s first all-electric car is the MX-30 SUV, which has a sleek design and minimalist cabin but fails to give enough driving range at just 100 miles on a fully charged battery. This doesn’t account for harsh circumstances, like cold temperatures, which could further reduce its range.

The average cost to insure a 2022 Mazda MX-30 was around $150/month for a good driver aged 40-49.

Discontinued Mazda Models Car Insurance Rates

The Mazda CX-3 and Mazda6 models have been discontinued officially after 2021, but many remain on the road today.

Mazda CX-3 Insurance Rates

Strangely, the reverse is true for the average cost to insure a Mazda CX-3, as the newest model gets relatively cheaper coverage than its closest predecessors.

The average cost to insure a 2020 Mazda CX-3 was a little over $108 per month.

Mazda6 Insurance Rates

As experts in the crossover SUV marketplace, Mazda is ceasing production of the Mazda6 sedan due to shifting market preferences.

But are Mazda6 expensive to insure? The cost to insure a Mazda6 was around $125, depending on the trim level and extra features, which is around the national average for similar makes and models.

The Bottom Line: Is it expensive to insure a Mazda?

A Mazda is not expensive to insure overall, but it’s not cheap either. Mazdas are in the middle between higher-end luxury cars and their immediate competitors in the reliable and compact midsize sedan and crossover SUV market.

Considering their high resell and trade-in value, it makes sense to protect your Mazda as both a car and a sound investment. Start shopping for affordable Mazda auto insurance today with our free comparison tool below.