Cost of Mazda Car Insurance (2024)
Many factors affect the cost of Mazda car insurance, but average rates start at $106 per month.
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Written byJacqueline DeMarco
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13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Edited byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Updated November 20, 2024
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Table of contents
Table of contents
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 $204 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 $104.[1]
Quick Facts
Hugo offers the cheapest Mazda insurance policies, on average. But you can only buy a minimum coverage policy from Hugo.
Comparing quotes from multiple insurers before buying a policy is important.
The Mazda CX-9 is the cheapest Mazda vehicle model to insure, on average.
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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.
Mazda Model ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| CX-3 | $141 |
| CX-5 | $144 |
| CX-50 | $154 |
| CX-30 | $161 |
| 3 | $161 |
| CX-9 | $166 |
| MX-5 Miata | $166 |
| 6 | $173 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Learn More: Factors That Affect Car Insurance Rates
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).
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Hugo | $61 |
| USAA | $83 |
| State Farm | $91 |
| GEICO | $95 |
| Nationwide | $105 |
| Allstate | $113 |
| Progressive | $134 |
| American Family | $144 |
| Liberty Mutual | $145 |
| Direct Auto | $162 |
| Travelers | $166 |
| Farmers | $194 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Hugo | $61 |
| USAA | $83 |
| State Farm | $92 |
| GEICO | $95 |
| Nationwide | $105 |
| Allstate | $114 |
| Progressive | $135 |
| American Family | $145 |
| Liberty Mutual | $146 |
| Direct Auto | $163 |
| Travelers | $167 |
| Farmers | $195 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Hugo | $62 |
| USAA | $85 |
| State Farm | $94 |
| GEICO | $98 |
| Nationwide | $108 |
| Allstate | $117 |
| Progressive | $138 |
| American Family | $149 |
| Liberty Mutual | $149 |
| Direct Auto | $167 |
| Travelers | $171 |
| Farmers | $200 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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]
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Hugo | $70 |
| USAA | $95 |
| State Farm | $105 |
| GEICO | $109 |
| Nationwide | $121 |
| Allstate | $131 |
| Progressive | $154 |
| American Family | $166 |
| Liberty Mutual | $167 |
| Direct Auto | $187 |
| Travelers | $191 |
| Farmers | $223 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Hugo | $71 |
| USAA | $97 |
| State Farm | $107 |
| GEICO | $111 |
| Nationwide | $122 |
| Allstate | $132 |
| Progressive | $156 |
| American Family | $168 |
| Liberty Mutual | $169 |
| Direct Auto | $189 |
| Travelers | $194 |
| Farmers | $226 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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]
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Hugo | $78 |
| USAA | $107 |
| State Farm | $117 |
| GEICO | $122 |
| Nationwide | $135 |
| Allstate | $146 |
| Progressive | $172 |
| American Family | $186 |
| Liberty Mutual | $187 |
| Direct Auto | $209 |
| Travelers | $214 |
| Farmers | $249 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Hugo | $72 |
| USAA | $98 |
| State Farm | $108 |
| GEICO | $113 |
| Nationwide | $125 |
| Allstate | $135 |
| Progressive | $159 |
| American Family | $171 |
| Liberty Mutual | $172 |
| Direct Auto | $193 |
| Travelers | $198 |
| Farmers | $230 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Hugo | $74 |
| USAA | $101 |
| State Farm | $112 |
| GEICO | $116 |
| Nationwide | $129 |
| Allstate | $139 |
| Progressive | $164 |
| American Family | $177 |
| Liberty Mutual | $178 |
| Direct Auto | $199 |
| Travelers | $204 |
| Farmers | $237 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $45/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $99/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA exclusively serves current and former members of the military and their immediate families and is still the seventh-largest insurance company in the U.S. by market share. USAA offers banking, investing, and retirement services in addition to numerous insurance products, including auto, homeowners, renters, and more. Auto policyholders can qualify for discounts for bundling, insuring multiple vehicles, and living on a military base. AM Best gives USAA an A++ (Superior) financial strength rating, and the insurer ranked best in most regions in J.D. Power’s Overall Customer Satisfaction Index.
Pros
High customer satisfaction
Low premiums
SafePilot program rewards good driving with up to 30% discount
Cons
Only available to active-duty military, veterans, military spouses, or children of service members or veterans
No 24/7 customer phone support
Customer reviews are mixed for service and claims processing
Best for overall customer satisfaction: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $54/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $119/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is the largest U.S. auto insurer by market share and has operated for more than 100 years. Available in all 50 states, State Farm stands out for its customer service, extensive discounts, and optional coverages. The insurer ranked fifth for overall customer satisfaction in the 2023 J.D. Power U.S. Auto Claims Satisfaction Study. Safe drivers can enjoy many State Farm discounts, including ones for young motorists who complete an approved driver training course, for having a vehicle with certain safety equipment, and for going three years or longer without violations or at-fault accidents.
Pros
High rates of customer satisfaction
Rideshare insurance available
Savings for bundling auto with home, renters, condo, or life insurance
Cons
No gap insurance offering
May not be the cheapest choice for drivers with violations
Accident forgiveness limited to longtime customers with clean driving records
Best for drivers older than 25: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $54/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $119/mo |
4.0
Best choiceBased on 10271 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,647)
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
Chris
November 18, 2024
Verified Review
Poor
The customer service is below average and terrible.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO, a subsidiary of the Berkshire Hathaway Group, is the third-largest U.S. insurer by market share. In addition to auto insurance, GEICO sells homeowners, renters, flood, travel, life, and business insurance, among other products. The insurer offers numerous car insurance discounts to help drivers save. For example, drivers who are accident-free for five years could earn 22% off premiums, and good students could earn 15% off. GEICO’s National Association of Insurance Commissioners complaint index score is below average, meaning it receives fewer consumer complaints than average.
Pros
Good rates for good drivers, seniors, and young drivers
Accident forgiveness available
A+ (Superior) financial strength rating from AM Best
Cons
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage available
Lower customer satisfaction scores from J.D. Power
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]
Bodily injury liability
Bodily injury liability coverage is mandatory in most states and covers medical expenses and other associated costs of people injured in an accident you cause.
Property damage liability
Property damage liability is also mandatory in most states and covers the cost of repairing or replacing someone else’s damaged property in an accident you cause.
Collision coverage
No states legally require collision coverage, though drivers who lease their vehicles may need it. It pays to repair your vehicle if it’s damaged in an accident, no matter who’s at fault.
Comprehensive coverage
Comprehensive coverage pays to repair or replace your vehicle if anything other than a car accident — such as theft, vandalism, or severe weather — damages it.
Personal injury protection (PIP) coverage
Personal injury protection (PIP) coverage pays for medical bills and associated expenses if you’re hurt in an accident, no matter who caused it.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage will pay for your medical bills and associated expenses if you get injured in an accident that an uninsured or underinsured driver causes.
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.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- Mazda. "Mazda History."
- Mazda. "Select Your Model."
- Insurance Information Institute. "What is covered by a basic auto insurance policy?."
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Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in