Cost of Mazda Car Insurance (2026)
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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Jacqueline DeMarcoFreelance Insurance Writer
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
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Edited byDanny Smith
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Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
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Reviewed byJohn Leach
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John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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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 $186 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 $98.[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.
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 500+ 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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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 500+ 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 500+ 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 500+ 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 500+ 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 500+ 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 500+ 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 500+ 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 500+ 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
| 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++ |
|---|
Best For
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
Best for overall customer satisfaction: State Farm
| 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++ |
|---|
Best For
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
Best for drivers older than 25: GEICO
| 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++ |
|---|
Best For
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
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.
Sources
- Mazda. "Mazda History."
- Mazda. "Select Your Model."
- Insurance Information Institute. "What is covered by a basic auto insurance policy?."
Methodology
Insurify data scientists analyzed more than 190 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 500+ 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.
)
Jacqueline DeMarcoFreelance Insurance Writer
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Featured in
Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
Featured in
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in