Mazda Insurance Rates

The average cost of car insurance for a Mazda model is about $1,439 per year.

This is $455 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 $1,430 $2,100 $2,456
Mazda 6 Insurance Cost $1,575 $2,313 $2,706
Mazda CX-3 Insurance Cost $1,404 $2,062 $2,412
Mazda CX-30 Insurance Cost $1,402 $2,059 $2,408
Mazda CX-5 Insurance Cost $1,378 $2,024 $2,367
Mazda CX-9 Insurance Cost $1,472 $2,161 $2,528
Mazda MX-5 Miata Insurance Cost $1,413 $2,075 $2,427

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 $4,875 $7,158 $8,374
18 $4,543 $6,671 $7,804
19 $4,015 $5,895 $6,897
20 $3,501 $5,140 $6,013
21 $2,936 $4,310 $5,043
22 $2,859 $4,198 $4,911
23 $2,502 $3,673 $4,297
24 $2,376 $3,490 $4,082
25 $2,051 $3,012 $3,523
30 $1,598 $2,346 $2,745
35 $1,496 $2,197 $2,571
40 $1,439 $2,113 $2,472
45 $1,400 $2,056 $2,406
55 $1,284 $1,886 $2,206
65 $1,340 $1,967 $2,301
75 $1,691 $2,483 $2,905

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 $1,525 $2,215 $2,819
Alaska $1,261 $1,748 $1,699
Arizona $1,426 $2,061 $3,037
Arkansas $1,563 $2,456 $2,704
California $1,741 $3,078 $1,741
Colorado $1,624 $2,273 $2,884
Connecticut $2,075 $3,218 $4,085
Delaware $1,718 $2,289 $2,941
Florida $2,046 $2,830 $3,688
Georgia $1,668 $2,494 $2,514
Hawaii $666 $904 $666
Idaho $1,157 $1,534 $1,865
Illinois $1,211 $1,831 $2,088
Indiana $1,245 $1,903 $2,135
Iowa $986 $1,352 $1,590
Kansas $1,311 $1,908 $2,232
Kentucky $1,896 $2,783 $3,286
Louisiana $2,434 $3,679 $3,989
Maine $920 $1,272 $1,878
Maryland $1,489 $2,168 $2,407
Massachusetts $1,194 $2,084 $1,194
Michigan $2,882 $4,392 $6,927
Minnesota $1,186 $1,582 $2,227
Mississippi $1,432 $2,043 $2,056
Missouri $1,349 $1,929 $2,534
Montana $1,372 $1,914 $2,228
Nebraska $1,160 $1,715 $1,863
Nevada $1,913 $2,837 $2,997
New Hampshire $1,331 $2,104 $2,660
New Jersey $1,466 $2,300 $3,010
New Mexico $1,497 $2,227 $2,312
New York $1,387 $1,746 $2,915
North Carolina $860 $1,477 $1,053
North Dakota $1,177 $1,788 $2,115
Ohio $1,049 $1,618 $1,659
Oklahoma $1,675 $2,399 $2,701
Oregon $1,524 $2,045 $2,443
Pennsylvania $1,284 $1,885 $2,205
Rhode Island $2,144 $3,144 $3,541
South Carolina $1,456 $2,017 $2,785
South Dakota $1,306 $1,882 $2,172
Tennessee $1,536 $2,261 $3,012
Texas $1,547 $2,235 $2,780
Utah $1,316 $1,844 $2,537
Vermont $1,013 $1,560 $1,649
Virginia $954 $1,465 $1,436
Washington $1,263 $1,714 $2,047
West Virginia $1,271 $1,820 $2,281
Wisconsin $1,267 $1,978 $2,256
Wyoming $1,183 $1,656 $1,763