Mazda Car Insurance: Rates by Year and Model
Full coverage for a Mazda costs $300 per month, on average.
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But your rates will be different depending on the model of Mazda you have and what insurance company you go with.
For example, full coverage for the popular Mazda CX-5 crossover SUV costs $270 per month, on average, while full coverage on a Mazda Miata sports car costs $335 per month.
USAA is usually the cheapest company for Mazda car insurance, if you qualify. Otherwise, State Farm is cheapest for most people.
How much is Mazda insurance?
Mazda car insurance cost by model
The CX-3, a crossover that was discontinued after 2021, is the cheapest Mazda to insure.
Full coverage for a CX-3 costs $240 per month, on average. The CX-30, which replaced the CX-3, has the cheapest insurance for a Mazda model currently sold, at $268 per month for full coverage.
The MX-5 Miata, Mazda's sports car, is the most expensive Mazda to insure, with an average full coverage rate of $335 per month.
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Insurance rates aren't just based on the type of car you drive. Companies also look at your age, where you live, and whether you've had any accidents or tickets when they set your rates.
Mazda insurance rates by company
State Farm is the cheapest car insurance company for most Mazda owners.
If you are a military member, veteran or military family member, USAA is probably cheaper. And if you own a CX-90 SUV or an MX-30 crossover, it's a good idea to get a quote from Progressive.
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Full coverage Mazda insurance rates by company
Company | Monthly rate | ||
|---|---|---|---|
| State Farm | $213 | |
| Geico | $252 | |
| Progressive | $259 | |
| Allstate | $598 | |
| USAA* | $179 | |
*USAA is only available to military members, veterans and their families.
No matter what kind of Mazda you have or are thinking about buying, comparing car insurance rates from different companies is the best way to make sure you're getting a good deal.
Are Mazdas expensive to insure?
Mazda car insurance rates are fairly average when compared to other cars.
Mazdas are usually more expensive to insure compared to brands like Hyundai and Toyota. But they're cheaper to insure than higher-end brands like Lexus and Mercedes-Benz.
Typically, the more a car costs to repair or replace, the higher the cost for full coverage car insurance will be. Most of Mazda's cars aren't that expensive, which results in a fairly average car insurance rate compared to other brands.
Mazda CX-5 insurance rates
Full coverage car insurance for a Mazda CX-5 costs $270 per month, on average. The CX-5, a crossover, is the company's most popular vehicle.
Average cost of CX-5 insurance:
$270/mo
Cheapest rate for CX-5:
State Farm: $185/mo
State Farm's rate for CX-5s is much cheaper, at $185 per month. That's $85 cheaper per month compared to the average.
Mazda CX-30 insurance rates
The Mazda CX-30, another crossover, has the cheapest insurance rates for active Mazda models, at an average of $268 per month for full coverage. State Farm has the cheapest rates for most CX-30 owners, at $194 per month for full coverage.
Average cost of CX-30 insurance:
$268/mo
Cheapest rate for CX-30:
State Farm: $194/mo
Both the MX-30 and CX-3 have cheaper rates than the CX-30 but have been discontinued.
Mazda CX-50 insurance rates
If you have a CX-50, you can expect to pay an average of $282 per month for full coverage car insurance. The CX-50 crossover was introduced for the 2023 model year.
Average cost of CX-50 insurance:
$282/mo
Cheapest rate for CX-50:
State Farm: $193/mo
State Farm is one of the cheapest car insurance companies if you own a Mazda CX-50. The average rate for a CX-50 from State Farm is $193 per month, $89 per month cheaper than the overall average rate for that model.
Mazda CX-90 insurance rates
Full coverage for a Mazda CX-90 SUV costs $317 per month, on average. The CX-90 is a replacement for the discontinued CX-9. It's one of the company's most expensive cars to buy and the third-most-expensive to insure.
Average cost of CX-90 insurance:
$317/mo
Cheapest rate for CX-90:
Progressive: $213/mo
Progressive has the cheapest rates for Mazda CX-90s. Full coverage from Progressive is $213 per month, nearly $100 per month cheaper than the average rate. State Farm is a close second, at $216 per month.
Mazda3 insurance rates
The Mazda3, which comes as a sedan and a hatchback, costs $310 per month, on average, to insure. The Mazda3 is Mazda's cheapest car to buy, but it has a higher-than-average insurance rates when compared to other Mazda models.
Average cost of Mazda3 insurance:
$310/mo
Cheapest rate for Mazda3:
State Farm: $232/mo
State Farm has cheap rates for Mazda3 insurance. With State Farm, full coverage costs an average of $232 per month, compared to $642 per month from Allstate.
Mazda MX-5 Miata insurance rates
The MX-5 Miata, Mazda's top sports car, costs $335 per month to insure with full coverage. The higher insurance rate is likely because Miatas are more expensive than most other Mazda models, which means they cost more to repair or replace if you're in an accident.
Average cost of Miata insurance:
$335/mo
Cheapest rate for Miata:
State Farm: $222/mo
If you want cheap Miata insurance, State Farm is among the best choices. Full coverage for a Miata costs $222 per month from State Farm, which saves you $113 per month compared to the average.
Discontinued models
You can buy these Mazdas used, but new models aren't for sale anymore.
Mazda CX-9 insurance rates
Car insurance for a CX-9 SUV costs $322 per month, on average, for full coverage. It's the second-most expensive Mazda to insure behind the Miata. The Mazda CX-9 SUV was discontinued after 2023 and replaced with the CX-90.
Average cost of CX-9 insurance:
$322/mo
Cheapest rate for CX-9:
State Farm: $239/mo
You can still get cheaper-than-average rates for a CX-9 with State Farm, though. Full coverage for a CX-9 with State Farm costs $239 per month, on average.
Mazda MX-30 insurance rates
Full coverage for a Mazda MX-30 costs an average of $263 per month. The MX-30 was an all-electric crossover that was only sold in California. It was discontinued after 2023.
Average cost of MX-30 insurance:
$263/mo
Cheapest rate for MX-30:
Progressive: $213/mo
Progressive has cheap full coverage car insurance for MX-30s. A policy costs $213 per year, on average. That's $50 per month cheaper than average.
Mazda6 insurance rates
A Mazda6 sedan costs an average $290 per month to insure with full coverage. It was discontinued after the 2021 model year so Mazda could focus on crossovers and SUVs.
Average cost of Mazda6 insurance:
$290/mo
Cheapest rate for Mazda6:
State Farm: $209/mo
State Farm has the cheapest full coverage for a Mazda6, at $209 per month. That's a savings of $81 per month compared to the average.
Mazda CX-3 insurance rates
Full coverage on a Mazda CX-3 crossover costs $240 per month, on average. The 2021 was the last model for the CX-3. After that, it was replaced by the CX-30.
Average cost of CX-3 insurance:
$240/mo
Cheapest rate for CX-3:
State Farm: $165/mo
State Farm has much cheaper rates for Mazda CX-3 insurance, though. Full coverage from State Farm costs $165 per month, on average. That's $75 cheaper than average.
Frequently asked questions
How much is Mazda insurance?
Full coverage car insurance for a Mazda costs $300 per month, on average. But your rates will depend on what model you have. The discontinued CX-3 crossover has the cheapest full coverage rates at $240 per month. The MX-5 Miata sports car has the most expensive average rate, at $335 per month for full coverage,
Why are Mazdas so expensive to insure?
Mazda car insurance is slightly expensive because the cars are more expensive to repair and replace than some other brands. But overall, Mazdas have middle-of-the-road car insurance rates. They're more expensive to insure than cars like Toyotas and Hyundais, but cheaper than luxury cars like Lexus and Audi.
What is the cheapest insurance for a Mazda?
State Farm has the cheapest average rates for most Mazda models. If you have a CX-90 SUV or an MX-30 crossover, Progressive might be a cheaper option. If you are a military member or family member of someone in the military, USAA is also a cheap choice.
Methodology
To find the average rate for Mazda car insurance, ValuePenguin got quotes from five top insurance companies across every ZIP code in Texas. Quotes are for a 30-year-old man with average credit and no accidents. The rates are for full coverage and use the following coverage limits:
- Bodily injury liability: $50,000 per person and $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 deductibles
ValuePenguin uses Quadrant Information Services to gather car insurance rates. Quadrant sources its rates from publicly available insurance company filings.
The quotes on this page are averages and are only for comparison purposes. Your rates will differ based on your specific situation.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
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How much is Mazda insurance?