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How Much is Mazda Car Insurance?

Written by Alyssa DiCrasto

Reviewed by Katie Dee

Last updated: February 26th, 2024

On average, Mazda is considered relatively inexpensive to insure with its most popular model, the CX-5, among the top 3 least expensive cars to insure . However, the price you pay for Mazda car insurance will depend on where you live and the year, model, and trim of your Mazda.

What does it cost to insure my Mazda?

Mazda Insurance by Vehicle

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Is Mazda expensive to insure?

Mazda has built a reputation for designing “premium” vehicles, positioning their vehicles as not quite luxury vehicles, but a step above the average economy brands. And while luxury vehicles tend to come with higher insurance costs, the premium Mazda brand does not.

Mazda vehicles, on average, tend to have cheaper insurance premiums than other vehicles in their class. For example, the Mazda CX-5 has the second-cheapest average insurance cost among compact SUVs and the Mazda Miata has the least expensive average insurance cost among similar sports cars.

From this, we can say that Mazda is generally inexpensive to insure, despite its premium vehicle status.

Mazda insurance rates by model

Whether you’re driving a sleek Mazda MX-5 Miata or a versatile Mazda CX-5, you’ll need car insurance. Car insurance cost varies based on your vehicle’s make and model, year, and trim level as well as personal factors like where you live, your age, and your driving record.

Mazda Miata insurance cost

Stylish from the inside out and going from 0-60mph in under 6.4 seconds, the Mazda Miata is a popular choice for drivers who want a more affordable sports car option. The Miata is on the cheaper end of insurance for sports cars , coming in below the Ford Mustang Ecoboost on average.

Mazda CX-5 insurance cost

The CX-5 is Mazda’s most popular model, likely because it is known for its versatility and being the most luxurious drive in its class. While the base Mazda CX-5 is not expensive to insure – on average it costs $330 less than the average vehicle – remember that your insurance cost will vary.

Annual rates for a single 35-year-old male, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024. 

What is the best auto insurance for Mazda?

Good car insurance companies for Mazda include Nationwide, Geico, and Progressive. The best car insurance company for you might be different based on where you live, the coverage you need, and the discounts you may qualify for.

This chart shows the average cost for Mazda CX-5 insurance at popular national car insurance companies. While these companies serve a large portion of the US, they might not be available near you. It’s a good idea to compare personalized rates from car insurance companies near you, including local companies.

progressive insurance
GEICO insurance

Average cost of Mazda car insurance at popular car insurance companies

Annual rates for a single 35-year-old male, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024. 

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How much should I expect to pay to insure my Mazda?

Personalized rate estimates at the top insurance companies in your state

Your rates will vary based on where you live, your age, and other factors like your driving record

Mazda gap insurance

If you finance your Mazda, gap insurance might be a good idea. Gap insurance is an optional car insurance policy that helps to reduce your out-of-pocket costs if your vehicle is in an accident and declared a total loss.

If your vehicle’s value has depreciated from the time between your purchase and an accident that ends in total loss, you may find that you owe more on your loan than your car is worth. This is where gap insurance comes in. Gap insurance would cover the difference between what you owe and what the insurance company pays to replace your vehicle.

You have a few options for gap insurance. Mazda offers gap insurance through the dealership at the time of financing, and many insurance companies also allow you to purchase gap insurance as an additional policy.

Frequently asked questions

Why are Mazdas so expensive to insure?

Mazdas are generally considered less expensive to insure than average. However, newer models and models with higher trim levels may be more expensive to insure than the base models. Factors like where you live, your age and credit score, and the amount of coverage you want will also impact the price you pay for insurance.

Is Mazda CX5 expensive to insure?

No, the Mazda CX-5 is actually the third least expensive vehicle to insure among popular 2023 vehicles. Its cost of car insurance is around $330 less than the national average.

Is Mazda a good car to own?

If you are looking for a premium vehicle at an affordable price, Mazda might be a good choice. Mazdas are generally considered a good cars to own, winning many awards for style and versatility.

Methodology

Rate Retriever rates are based on public rate filings obtained by analytics company First Interpreter. This data comes from the rating plans insurance carriers submit to each state’s department of insurance. Rating plans detail how each carrier calculates premiums using factors such as location, age, gender, and driving record, and they ensure that insurance premiums are both fair and competitive. 

For the data on this page, we made the following assumptions: a 35-year-old single male with a clean driving record and Good credit score. We adjusted this profile by vehicle make, model, trim, and year to determine the rates you see on this page.

These rates are not actual quotes and should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile. 

About Rate Retriever

At Rate Retriever, our mission is to make the way you shop for insurance transparent and fair through user-friendly tools that respect your privacy and deliver reliable, comprehensive results 

So we took everything we hated about comparing insurance quotes online – the spam, the long questionnaires, the limited choices, the inaccuracy of quote prices – and threw it out the window, favoring a short form that more accurately estimates what you’ll pay at each of the top insurance providers near you. 

Rate Retriever is an independent company that is not owned by an insurance provider, nor do we provide insurance ourselves. This independence allows us to be your free and impartial insurance research tool, helping you make the best decisions for your insurance needs.  

We may earn a commission when you click one of the links or call one of the providers listed on our site; however, we do not allow our partnerships to influence which information we provide.