Mazda Insurance Rates

The average cost of car insurance for a Mazda model is about $1,519 per year.

This is $548 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. 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

These Mazda insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

Insurance Cost per Mazda Model

Model Good Driver Recent Accident Poor Credit
Mazda 3 Insurance Cost $1,630 $2,428 $2,870
Mazda 6 Insurance Cost $1,640 $2,443 $2,888
Mazda CX-3 Insurance Cost $1,418 $2,112 $2,497
Mazda CX-30 Insurance Cost $1,416 $2,109 $2,493
Mazda CX-5 Insurance Cost $1,392 $2,073 $2,451
Mazda CX-9 Insurance Cost $1,601 $2,385 $2,819
Mazda MX-5 Miata Insurance Cost $1,537 $2,290 $2,707

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 $5,146 $7,665 $9,061
18 $4,796 $7,143 $8,444
19 $4,238 $6,313 $7,462
20 $3,695 $5,504 $6,507
21 $3,099 $4,616 $5,457
22 $3,018 $4,495 $5,314
23 $2,641 $3,933 $4,650
24 $2,509 $3,737 $4,418
25 $2,165 $3,225 $3,812
30 $1,687 $2,512 $2,970
35 $1,580 $2,353 $2,781
40 $1,519 $2,263 $2,675
45 $1,478 $2,202 $2,603
55 $1,356 $2,019 $2,387
65 $1,414 $2,106 $2,490
75 $1,785 $2,659 $3,143

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 $1,610 $2,255 $2,822
Alaska $1,331 $1,939 $2,032
Arizona $1,505 $2,335 $3,329
Arkansas $1,650 $2,500 $2,796
California $1,837 $3,214 $1,837
Colorado $1,715 $2,374 $2,961
Connecticut $2,191 $3,387 $4,338
Delaware $1,814 $2,497 $3,315
Florida $2,159 $2,933 $3,824
Georgia $1,760 $2,713 $2,784
Hawaii $703 $971 $703
Idaho $1,222 $1,644 $2,047
Illinois $1,279 $1,890 $2,192
Indiana $1,314 $2,053 $2,396
Iowa $1,041 $1,561 $1,819
Kansas $1,384 $2,038 $2,414
Kentucky $2,001 $3,010 $3,541
Louisiana $2,569 $3,927 $4,227
Maine $971 $1,303 $1,901
Maryland $1,572 $2,305 $2,722
Massachusetts $1,261 $2,132 $1,261
Michigan $3,042 $4,574 $7,033
Minnesota $1,252 $1,682 $2,490
Mississippi $1,512 $2,284 $2,412
Missouri $1,425 $1,962 $2,537
Montana $1,448 $2,267 $2,500
Nebraska $1,224 $1,733 $1,972
Nevada $2,019 $3,048 $3,344
New Hampshire $1,405 $2,264 $2,883
New Jersey $1,548 $2,440 $3,148
New Mexico $1,580 $2,274 $2,554
New York $1,464 $1,906 $3,077
North Carolina $908 $1,465 $1,129
North Dakota $1,242 $1,912 $2,427
Ohio $1,107 $1,811 $1,876
Oklahoma $1,768 $2,655 $3,011
Oregon $1,609 $2,430 $2,788
Pennsylvania $1,355 $2,050 $2,352
Rhode Island $2,263 $3,473 $3,971
South Carolina $1,537 $2,224 $3,174
South Dakota $1,379 $1,897 $2,276
Tennessee $1,621 $2,425 $3,060
Texas $1,633 $2,403 $3,017
Utah $1,389 $2,009 $2,771
Vermont $1,069 $1,710 $1,869
Virginia $1,007 $1,517 $1,612
Washington $1,334 $2,004 $2,363
West Virginia $1,342 $1,954 $2,413
Wisconsin $1,338 $1,953 $2,371
Wyoming $1,249 $1,835 $2,052

Other Important Mazda Ownership Costs

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on depreciation, maintenance and financing for all Mazda models. These will provide you with even more knowledge before making such an important financial decision.

Ready to start shopping for a Mazda? We have millions of new and used vehicles listed. Here are some Mazda models for sale in your area.

Have more questions on our data or methodologies? Great, we're skeptics too. Here are some common questions and answers.