Mazda Insurance Rates

The average cost of car insurance for a Mazda model is about $1,415 per year.

This is $372 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 $1,416 $2,079 $2,432
Mazda 6 Insurance Cost $1,493 $2,192 $2,564
Mazda CX-3 Insurance Cost $1,390 $2,041 $2,388
Mazda CX-30 Insurance Cost $1,388 $2,038 $2,384
Mazda CX-5 Insurance Cost $1,364 $2,003 $2,343
Mazda CX-9 Insurance Cost $1,457 $2,139 $2,502
Mazda MX-5 Miata Insurance Cost $1,399 $2,054 $2,403

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 $4,794 $7,039 $8,235
18 $4,468 $6,560 $7,674
19 $3,948 $5,797 $6,782
20 $3,442 $5,055 $5,914
21 $2,887 $4,239 $4,959
22 $2,812 $4,128 $4,830
23 $2,460 $3,612 $4,226
24 $2,337 $3,432 $4,015
25 $2,017 $2,962 $3,465
30 $1,571 $2,307 $2,699
35 $1,471 $2,161 $2,528
40 $1,415 $2,078 $2,431
45 $1,377 $2,022 $2,366
55 $1,263 $1,855 $2,170
65 $1,317 $1,934 $2,263
75 $1,663 $2,442 $2,857

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 $1,500 $2,178 $2,772
Alaska $1,240 $1,719 $1,671
Arizona $1,402 $2,027 $2,986
Arkansas $1,537 $2,415 $2,660
California $1,712 $3,027 $1,712
Colorado $1,597 $2,236 $2,836
Connecticut $2,041 $3,165 $4,017
Delaware $1,689 $2,252 $2,892
Florida $2,012 $2,783 $3,627
Georgia $1,640 $2,452 $2,473
Hawaii $655 $889 $655
Idaho $1,138 $1,509 $1,834
Illinois $1,191 $1,801 $2,053
Indiana $1,224 $1,871 $2,099
Iowa $969 $1,329 $1,563
Kansas $1,290 $1,876 $2,195
Kentucky $1,864 $2,737 $3,232
Louisiana $2,393 $3,618 $3,923
Maine $905 $1,251 $1,847
Maryland $1,465 $2,132 $2,367
Massachusetts $1,175 $2,049 $1,175
Michigan $2,834 $4,319 $6,812
Minnesota $1,167 $1,556 $2,190
Mississippi $1,408 $2,009 $2,022
Missouri $1,327 $1,897 $2,493
Montana $1,349 $1,883 $2,191
Nebraska $1,140 $1,687 $1,832
Nevada $1,881 $2,790 $2,948
New Hampshire $1,308 $2,069 $2,616
New Jersey $1,442 $2,262 $2,960
New Mexico $1,472 $2,190 $2,273
New York $1,364 $1,717 $2,867
North Carolina $845 $1,453 $1,036
North Dakota $1,157 $1,758 $2,079
Ohio $1,032 $1,591 $1,631
Oklahoma $1,647 $2,359 $2,656
Oregon $1,499 $2,011 $2,402
Pennsylvania $1,263 $1,854 $2,169
Rhode Island $2,108 $3,092 $3,482
South Carolina $1,432 $1,984 $2,739
South Dakota $1,285 $1,851 $2,136
Tennessee $1,511 $2,224 $2,961
Texas $1,521 $2,198 $2,734
Utah $1,294 $1,813 $2,495
Vermont $996 $1,534 $1,621
Virginia $939 $1,441 $1,412
Washington $1,242 $1,686 $2,013
West Virginia $1,250 $1,790 $2,243
Wisconsin $1,246 $1,945 $2,219
Wyoming $1,163 $1,629 $1,734