Cost of Mazda Car Insurance (2024)

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 $202 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 $105.^[1]

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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.

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

Military Members, Veterans, and Their Families

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User Reviews	4.9 940 reviews
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

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Driver Reviews

4.9

Best choiceBased on 1,646 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 (940)

Arlington

December 18, 2024

Verified Review

Mediocre

It's too hard to get past all the checks and balances to verify you're a member. There are too many questions and memory items to get past their firewall. Lastly, everyone is working remotely, and you can hear the family activities in the background.

Peter

December 18, 2024

Verified Review

Not Happy with USAA

They increase premium rates without notifying you well in advance. They even raise the premium for a minor fender bender, like pulling out of a driveway into an illegally parked vehicle.

Donna

December 17, 2024

Verified Review

I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.

I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

880

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.35

A.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

Overall Customer Satisfaction

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User Reviews	4.2 5,080 reviews
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

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Driver Reviews

4.2

Best choiceBased on 9,243 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 (5,080)

Al

December 19, 2024

Verified Review

My Opinion

Way too high premium.

Agnes

December 19, 2024

Verified Review

Best Insurance Company

I have been with them for a long time. Claims are handled quickly. I never had a problem, even when I had three teenagers driving.

Gabriel

December 18, 2024

Verified Review

My Experience with State Farm

Beware, some companies are more interested in making money than meeting the customers' needs. My wife had a medical issue while driving, and they covered it. A year later, there was a fender bender involving two moving vehicles. To me, it was no fault, but they considered it a second incident. We also had hail damage to our roof. They said there wasn't enough damage, yet my next-door neighbors received a new one. Now, they're canceling me for too much.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

842

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.78

A.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

Drivers Older Than 25

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User Reviews	4.0 5,755 reviews
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.	$118/mo

Show Details

Driver Reviews

4.0

Best choiceBased on 10,464 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 (5,755)

Dianna

December 19, 2024

Verified Review

Roadside Assistance

When I needed emergency services on the road, they wanted me to go online. That was not possible at the time and they were not helpful.

Alan

December 18, 2024

Verified Review

Satisfied but too expensive

My experience with GEICO was good. They offer great coverage for the price and I'd recommend them to a friend. However, they are a bit more pricey but provide great services all the way around.

Samol

December 18, 2024

Verified Review

Geico is Good Insurance

It's excellent, but after a few accidents, the rates are creeping upwards.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

835

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.74

A.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