Mazda Insurance Rates

The average cost of car insurance for a Mazda model is about $1,494 per year.

This is $731 better than other popular brands. Our car insurance comparison studies assume a 40 year old good driver with full coverage and good credit, that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts. Many things can contribute to the actual rates. These variables include vehicle, age, location, mileage, credit score, driving record and more. Below you will find a chart that illustrates some of these differences. The tables further down show how these factors impact Mazda insurance rates.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

Mazda insurance rates will vary significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

Insurance Cost per Mazda Model

Model Good Driver Recent Accident Poor Credit
Mazda 3 Insurance Cost $1,459 $2,142 $2,506
Mazda 6 Insurance Cost $1,720 $2,525 $2,954
Mazda CX-3 Insurance Cost $1,432 $2,103 $2,460
Mazda CX-30 Insurance Cost $1,430 $2,100 $2,456
Mazda CX-5 Insurance Cost $1,406 $2,065 $2,415
Mazda CX-9 Insurance Cost $1,569 $2,304 $2,696
Mazda MX-5 Miata Insurance Cost $1,441 $2,116 $2,475

The cost to insure a Mazda model will differ significantly by the age of the driver. Younger drivers cost more to insure because they are much more likely to be at fault in an accident. That probability decreases dramatically by the time they turn 25 and so do the premiums. In fact, insurance cost by age continues to decline until after age 60, but the increases after are modest.

Credit plays a big role in premiums in most states. The under 25 crowd is far more likely to have very little credit established. The best way to mitigate this would be to join their family's multi-vehicle policy. Their rates will become more affordable as they age up and maintain a decent driving record. They can also build their credit at the same time. While paying car insurance doesn't improve credit on its own, using a credit card to so monthly can. As long as it's paid in full every billing cycle, of course. This is also an easy way to accumulate points on a rewards credit card as it's an expense required for every driver.

Insurance costs by age vary between brands based on resale values and safety ratings. If you're not set on a Mazda, then see our insurance analysis and rankings for other makes and models here.

Mazda Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $5,059 $7,430 $8,692
18 $4,715 $6,924 $8,100
19 $4,167 $6,119 $7,158
20 $3,633 $5,335 $6,242
21 $3,047 $4,474 $5,234
22 $2,968 $4,357 $5,098
23 $2,597 $3,813 $4,460
24 $2,467 $3,622 $4,237
25 $2,129 $3,126 $3,657
30 $1,658 $2,435 $2,849
35 $1,553 $2,281 $2,668
40 $1,494 $2,194 $2,566
45 $1,453 $2,134 $2,497
55 $1,333 $1,957 $2,290
65 $1,391 $2,042 $2,389
75 $1,755 $2,577 $3,015

Mazda auto insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect Mazda models by state.

Average Mazda Insurance by State

State Good Driver Recent Accident Poor Credit
Alabama $1,583 $2,299 $2,926
Alaska $1,309 $1,815 $1,764
Arizona $1,480 $2,140 $3,152
Arkansas $1,623 $2,549 $2,807
California $1,807 $3,195 $1,807
Colorado $1,686 $2,360 $2,994
Connecticut $2,154 $3,340 $4,240
Delaware $1,783 $2,377 $3,052
Florida $2,123 $2,937 $3,828
Georgia $1,731 $2,588 $2,610
Hawaii $691 $939 $691
Idaho $1,201 $1,592 $1,936
Illinois $1,258 $1,901 $2,167
Indiana $1,292 $1,975 $2,216
Iowa $1,023 $1,403 $1,650
Kansas $1,361 $1,980 $2,316
Kentucky $1,968 $2,889 $3,411
Louisiana $2,526 $3,818 $4,140
Maine $955 $1,320 $1,949
Maryland $1,546 $2,250 $2,499
Massachusetts $1,240 $2,163 $1,240
Michigan $2,991 $4,559 $7,190
Minnesota $1,232 $1,642 $2,312
Mississippi $1,487 $2,120 $2,134
Missouri $1,401 $2,003 $2,631
Montana $1,424 $1,987 $2,313
Nebraska $1,204 $1,780 $1,934
Nevada $1,986 $2,945 $3,111
New Hampshire $1,381 $2,184 $2,761
New Jersey $1,522 $2,388 $3,124
New Mexico $1,554 $2,312 $2,400
New York $1,439 $1,813 $3,026
North Carolina $892 $1,533 $1,094
North Dakota $1,221 $1,856 $2,195
Ohio $1,089 $1,679 $1,722
Oklahoma $1,739 $2,489 $2,803
Oregon $1,582 $2,123 $2,536
Pennsylvania $1,332 $1,957 $2,289
Rhode Island $2,225 $3,264 $3,675
South Carolina $1,511 $2,094 $2,891
South Dakota $1,356 $1,954 $2,254
Tennessee $1,594 $2,347 $3,126
Texas $1,606 $2,319 $2,885
Utah $1,366 $1,914 $2,634
Vermont $1,051 $1,619 $1,711
Virginia $990 $1,521 $1,491
Washington $1,311 $1,780 $2,125
West Virginia $1,319 $1,889 $2,367
Wisconsin $1,315 $2,053 $2,342
Wyoming $1,228 $1,719 $1,831