Mazda Car Insurance: Which Model and Insurer Are Cheapest?
The average cost of insurance for a 2022 Mazda is $2,995 per year for a full coverage policy, based on ValuePenguin research. But the price varies depending on which Mazda model you're considering and the insurer you choose.
The least expensive Mazda to insure is CX-30 crossover SUV, which costs $809 less than the most expensive model, the Mazda3 Hatchback — even though the two vehicles are comparably priced.
State Farm offers the cheapest insurance prices for Mazda owners. USAA was a close second, at about 15% more, on average.
Compare Mazda insurance costs by model and insurance company:
Mazda insurance rates by model
The Mazda CX-30, a compact crossover SUV, is the cheapest Mazda to insure at $2,657 per year for full coverage. The Mazda3 Sedan Hatchback is the most expensive model to insure, at $3,466 per year — despite the fact both vehicles cost about $22,000 to buy.
Average cost of Mazda insurance by model
Rank | Model | Cost to insure (annual) | Cost to insure (monthly) | MSRP 2022 |
|---|---|---|---|---|
| 1 | CX-30 | $2,657 | $221 | $22,200 |
| 2 | CX-5 | $2,691 | $224 | $25,900 |
| 3 | MX-30 | $2,964 | $247 | $33,470 |
| 4 | MX-5 Miata | $2,991 | $249 | $27,300 |
| 5 | Mazda3 Sedan | $3,089 | $257 | $20,800 |
| 6 | CX-9 | $3,142 | $262 | $35,280 |
| 7 | Mazda3 Hatchback | $3,466 | $289 | $22,750 |
| N/A | CX-3 | $2,420* | $202* | Discontinued |
| N/A | Mazda6 | $3,005* | $250* | Discontinued |
*CX-3 and Mazda6 were discontinued in 2022, so insurance rates listed are for the 2021 model year. The cars were also excluded from our ranking.
Every driver's insurance rate will be different, because they're based on the driver’s age, where they've and driving history. We always recommend comparing quotes from multiple insurance companies to find your best rate.
Mazda insurance rates by company
State Farm offers the best rates on car insurance for Mazda owners, with an average price of $1,636 per year for full coverage on a 2022 model. That's 46% less than the average rate overall ($2,995) and 72% less than the most expensive insurer, Allstate ($5,922).
USAA is the second-cheapest option overall, and it did offer the lowest rates for a few Mazdas in the last several model years — including the 2022 CX-9.
Mazda insurance rates by company
Company | Average rate | |
|---|---|---|
| State Farm | $1,636 |
| USAA | $1,831 |
| Nationwide | $2,360 |
| Geico | $2,764 |
| Progressive | $3,487 |
Quotes are based on a full-coverage policy for a 30-year-old man in Texas with a clean driving record. Averages include prices of all 2022 Mazda models.
Is it expensive to insure a Mazda?
Mazdas are moderately expensive to insure when compared to other car manufacturers. Other non-luxury brands like Toyota and Honda tend to cost around $2,000 per year to insure, while the typical price to insure a Mazda is approximately $3,000.
On the other hand, Mazdas are much cheaper to insure than high-end luxury vehicles from manufacturers like Lexus, Mercedes and BMW. The typical price to insure these vehicles is often $4,000 per year or more, depending on the model.
In general, cars are costlier to insure when they are smaller, faster and more expensive. A smaller, faster car is more likely to be involved in a crash, and expensive cars cost more to fix, resulting in higher insurance rates. However, the latter aspect is sometimes offset by improved safety features, such as obstacle avoidance sensors, so the connection is not always linear.
Mazda CX-5 insurance rates
The typical cost to insure the Mazda CX-5, Mazda's medium-sized crossover SUV, is $2,691 per year, or $224 per month. The CX-5 is the second-cheapest Mazda to insure behind Mazda's smaller crossover, the CX-30.
The CX-5 is much cheaper to insure than Mazda's larger SUV, the CX-9, and the latter SUV costs $451 more per year to insure, on average.
Model year | Annual insurance cost | Monthly insurance cost |
|---|---|---|
| 2022 | $2,691 | $224 |
| 2021 | $2,474 | $206 |
| 2020 | $2,473 | $206 |
| 2019 | $2,482 | $207 |
| 2018 | $2,399 | $200 |
| 2017 | $2,340 | $195 |
| 2016 | $2,184 | $182 |
The cheapest insurer for the CX-5 is State Farm. It offered us a typical rate of $1,576 per year for full coverage, which is $1,116 cheaper than the average price across all companies.
Mazda CX-30 insurance rates
At a typical rate of just $2,623 per year, the CX-30 is the cheapest Mazda to insure — as well as one of Mazda's most affordable models to buy, with a starting MSRP of $22,200.
The compact crossover has slightly smaller insurance costs than its larger sibling, the CX-5, but is hundreds of dollars cheaper to insure per year than Mazda's two other most affordable models, the Mazda3 Sedan and Model3 Hatchback.
CX-30
Model year | Annual insurance cost | Monthly insurance cost |
|---|---|---|
| 2022 | $2,657 | $221 |
| 2021 | $2,666 | $222 |
| 2020 | $2,513 | $209 |
The cheapest insurer for the CX-30 is State Farm, where the typical price is $1,460 per year. That's $1,163 less than the average rate across all the companies we looked at.
Mazda CX-9 insurance rates
The Mazda CX-9 is Mazda's largest and most expensive SUV to buy, and it’s it's among the most expensive Mazdas to insure. The typical cost of insurance for a CX-9 is $3,142 per year.
That makes the CX-9 $147 more than the average across all models. However, it's still $324 cheaper than the most expensive Mazda to insure, the Mazda3 Hatchback.
Model year | Annual insurance cost | Monthly insurance cost |
|---|---|---|
| 2022 | $3,142 | $262 |
| 2021 | $2,895 | $241 |
| 2020 | $2,887 | $241 |
| 2019 | $2,819 | $235 |
| 2018 | $2,759 | $230 |
| 2017 | $2,619 | $218 |
| 2016 | $2,515 | $210 |
The most affordable insurer for the CX-9 is USAA, at $1,808 per year. State Farm is just $28 more per year, at $1,836.
Mazda3 Sedan insurance rates
At a starting retail price of $20,800, the Mazda3 Sedan is the most affordable Mazda you can buy today. However, it costs $3,089 per year to insure, making it slightly more expensive than a typical Mazda model.
Notably, the sedan variant of the Mazda3 is significantly cheaper than its hatchback counterpart. We found a $378 price jump by opting for the five-door variant of the car.
Model year | Annual insurance cost | Monthly insurance cost |
|---|---|---|
| 2022 | $3,089 | $257 |
| 2021 | $3,012 | $251 |
| 2020 | $2,931 | $244 |
| 2019 | $2,869 | $239 |
| 2018 | $2,694 | $224 |
| 2017 | $2,708 | $226 |
| 2016 | $2,595 | $216 |
State Farm has the lowest insurance rates for the Mazda3 Sedan, at an average rate of $1,627 per year. That's $1,461 cheaper than the average rate across all insurers.
Mazda3 Hatchback insurance rates
The Mazda3 Hatchback is the most expensive Mazda model to insure, at an average rate of $3,466 per year, or $289 per month. That's $471 more expensive than the average rate across all Mazda vehicles and $324 more than the sedan variant of Mazda's base-level car.
Drivers looking to reduce the price of insurance on a Mazda3 can save money by opting for an older model — a 2016 model is $897 cheaper per year to insure than a brand-new 2022 edition.
Mazda3 Hatchback
Model year | Annual insurance cost | Monthly insurance cost |
|---|---|---|
| 2022 | $3,466 | $289 |
| 2021 | $3,040 | $253 |
| 2020 | $3,007 | $251 |
| 2019 | $2,920 | $243 |
| 2018 | $2,670 | $223 |
| 2017 | $2,684 | $224 |
| 2016 | $2,569 | $214 |
The cheapest option for insuring a Mazda3 Hatchback is State Farm, where the average price is $1,627 per year. That's $1,839 cheaper than the average rate across all companies.
Mazda MX-5 Miata insurance rates
Mazda's long-running two-door convertible, the Miata, costs an average of $2,991 per year to insure. That's closely in line with the overall average cost to insure a Mazda car.
As it gets older, the cost to insure a Miata drops, although not by as much as some other Mazda models. A 2016 Miata is about 16% less expensive to insure than a brand-new model. For comparison, the Mazda3 Hatchback's cost to insure drops by about 26% over the same interval.
Convertibles can often be more expensive to insure than cars with fixed roofs. However, the Miata's relatively affordable price point may contribute to its rates being comparable to other Mazda models.
Model year | Annual insurance cost | Monthly insurance cost |
|---|---|---|
| 2022 | $2,991 | $249 |
| 2021 | $2,899 | $242 |
| 2020 | $2,869 | $239 |
| 2019 | $2,705 | $225 |
| 2018 | $2,417 | $201 |
| 2017 | $2,605 | $217 |
| 2016 | $2,501 | $208 |
To insure a 2022 Miata, the cheapest company is State Farm, where the average rate is $1,639. That's $1,351 cheaper than the average across every insurer we considered.
Mazda MX-30 insurance rates
New for 2022, Mazda's MX-30 all-electric SUV has an average insurance cost of $2,964 per year. That's $31 less than the average across all 2022 Mazdas, despite the MX-30's higher-than-average sticker price of $33,470.
Keep in mind that the MX-30 is only available to buy in California, and in very limited quantities, so it may be difficult to get your hands on one this year.
An electric car is about 23% more expensive to insure than an equivalent gas-engine car, explaining why the MX-30 is costlier than Mazda's other crossover vehicles.
Model year | Annual insurance cost | Monthly insurance cost |
|---|---|---|
| 2022 | $2,964 | $247 |
State Farm has the best prices for MX-30 insurance, with a rate of just $1,627 per year. That's $1,461 less than the average rate across all insurers.
Discontinued models
Mazda CX-3 insurance rates
The Mazda CX-3 was discontinued for 2022, but it’s still among the more popular Mazda models on the road. The typical price for insurance for its most recent model year, 2021, is $2,420. That makes it the cheapest to insure among every Mazda vehicle available in 2021.
In fact, the CX-3 is the cheapest Maza to insure every year until it was discontinued, beating out Mazda's other vehicles with low insurance costs. This makes a used CX-3 a great option for drivers looking to keep their insurance bills low.
Model year | Annual insurance cost | Monthly insurance cost |
|---|---|---|
| 2021 | $2,420 | $202 |
| 2020 | $2,387 | $199 |
| 2019 | $2,341 | $195 |
| 2018 | $2,287 | $191 |
| 2017 | $2,222 | $185 |
| 2016 | $2,131 | $178 |
The cheapest insurance for a CX-5 is State Farm, where the annual bill averages $1,412 for the 2021 model. That's $1,008 less than the average across all insurers.
Mazda6 insurance rates
The typical cost to insure a Mazda6 is $3,005 for the 2021 model — the last year it was made.
Like Mazda's other sedans, the Mazda6 is on the more expensive side to insure. It costs about $203 more per year than the average rate among 2021 models and has a similar insurance cost to the Mazda3 Hatchback and Sedan.
The Mazda6 was discontinued in 2022, as drivers tended to prefer Mazda's crossover models that are available for a similar price.
Model year | Annual insurance cost | Monthly insurance cost |
|---|---|---|
| 2021 | $3,005 | $250 |
| 2020 | $2,997 | $250 |
| 2019 | $2,859 | $238 |
| 2018 | $2,792 | $233 |
| 2017 | $2,621 | $218 |
| 2016 | $2,558 | $213 |
State Farm was the most affordable insurer for the Mazda6, where the typical price is $1,547 per year. That's a savings of $1,458 per year compared to the average rate.
Methodology
To calculate the average cost of insurance for a Mazda, we gathered thousands of quotes for a sample driver living in Texas: a 30-year-old man with a clean recent driving history and average credit. Rates are based on a full-coverage policy with the following limits:
Coverage | Limits |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
We excluded the Mazda6 and CX-3 models when calculating the average cost of insurance for a Mazda, as the car is no longer manufactured.
This analysis used insurance rate data from Quadrant Information Services. The quotes referenced were publicly sourced from insurer filings and should only be used for comparison purposes. Actual rates for your Mazda model may differ.
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