Mazda Car Insurance Costs for (September 2025)

Written by R.E. Fulton and 2 others
Updated Sep 25, 2025
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Mazda Car Insurance Costs for (September 2025)

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Mazda car insurance costs $282 per month, on average, according to a September 2025 analysis of full coverage auto insurance quotes for Jerry customers. Aspire Advantage offers the cheapest coverage at $187 per month for full coverage. But the model and trim level you choose will greatly influence how much you pay. Save by comparing quotes from multiple insurers, bundling policies and asking for discounts.

Mazda car insurance premiums can differ greatly. Here are average costs by model, which insurers offer the best value and how to effectively shop for Mazda coverage.

Average Mazda car insurance costs

The average cost of full coverage Mazda car insurance is $282 per month, according to Jerry’s data analysis of auto insurance quotes. Minimum coverage costs an average of $134 per month.

Mazda car insurance rates vary depending on the model, its age, your driving record and personal factors like your age and location. Typically, higher-priced vehicles cost more to insure, though that’s not always true. That’s why it’s a good idea to compare car insurance quotes from several insurers when considering a Mazda.

Below, you’ll find average full coverage insurance costs for different Mazda models, according to Jerry’s analysis.

Car Model
Avg Monthly Quote
3 $329
323 $132
5 $237
6 $313
626 $193
B2000 $135
B2200 $128
B2300 $162
B2500 $191
B2600 $289
B3000 $197
B4000 $163
Cx-3 $274
Cx-5 $271
Cx-7 $274
Cx-9 $285
Miata $175
Millenia $198
Mpv $244
Mx-3 $128
Mx-5 $184
Mx-5 Miata $184
Mx-6 $237
Navajo $170
Protege $215
Tribute $224
Last Updated Sept. 26, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Click for average minimum coverage costs, by Mazda model.
Car Model
Avg Monthly Quote
3 $128
323 $56
5 $100
6 $158
626 $115
B2200 $67
B2300 $101
B2500 $131
B2600 $117
B3000 $105
B4000 $92
Cx-3 $134
Cx-5 $130
Cx-7 $145
Cx-9 $138
Miata $208
Millenia $146
Mpv $161
Mx-3 $49
Mx-5 $109
Mx-5 Miata $109
Mx-6 $135
Navajo $73
Protege $138
Tribute $131
Tribute $224
Last Updated Sept. 26, 2025

Average cost of Mazda car insurance, by state

Because each state has its own car insurance laws and risk factors — including crime rates, weather events and uninsured drivers — auto insurance costs vary widely across the country.

For example, full coverage Mazda auto insurance in Texas costs an average of $272 per month. In Pennsylvania, the monthly average is $268.

Here’s a look at how full coverage Mazda insurance costs differ by state.

State
Avg Monthly Quote
AL $184
AR $247
AZ $261
CA $277
CO $289
CT $308
DC $250
DE $266
FL $327
GA $329
IA $127
ID $92
IL $180
IN $153
KS $188
KY $301
LA $296
MA $272
MD $334
ME $190
MI $233
MN $181
MO $242
MS $190
MT $215
NC $222
ND $105
NE $266
NH $119
NJ $309
NM $122
NV $424
NY $810
OH $154
OK $214
OR $178
PA $269
RI $321
SC $264
SD $229
TN $236
TX $272
UT $194
VA $250
VT $108
WA $268
WI $198
WV $162
WY $109
Last Updated Sept. 26, 2025

Factors that affect Mazda car insurance costs

The Mazda model you drive can significantly impact the cost of car insurance. Here’s why:

  • Safety features: All new Mazda’s are equipped with i-ACTIVSENSE® for enhanced safety and lower insurance costs, but older models with fewer safety features may have higher insurance rates.
  • Vehicle value: The higher the value of your car, the higher the insurance costs will be. A fully-loaded Mazda CX-9 will have higher insurance rates than a base model Mazda 3.
  • Vehicle class: Compact SUVs and small sedans like the Mazda CX-3, Mazda CX-30 and Mazda 3 are cheaper to insure than electric and hybrid vehicles, sports cars, and large sedans and SUVs.
  • Engine size: Revving your turbocharged engines might be exciting, but it doesn’t lead to exciting car insurance rates. High-performance cars are classified as higher-risk on the road and have higher insurance premiums. But the only V6 engine in the Mazda lineup belongs to the brand-new CX-90—a total family SUV.
  • Availability of replacement parts: If you drive a hybrid or older Mazda model, parts can be tricky to get—and that usually coincides with higher insurance premiums.
  • Cost of repairs: Repair costs on gas-powered Mazda aren’t too steep, but their new mild hybrid and PHEV CX-90 have higher-than-average repair costs
  • Vehicle cost: The higher the car’s value, the higher the insurance cost. Full coverage car insurance is more expensive for luxury, high-performance, and sports cars.
  • Vehicle age: Newer models typically have higher insurance rates due to new technology and higher value.
  • Vehicle safety features: Newer vehicles with added safety features can reduce insurance costs by enhancing accident prevention.
  • Your age: Drivers under 25 pay some of the highest car insurance premiums due to a lack of driving experience. Senior drivers over 70 may also face increased insurance rates.
  • Your driving record and claims history: Insurance companies reward good drivers with a clean driving record with lower insurance rates. If you have a driving history of accidents and violations, insurers see you as a high-risk driver and you will usually pay higher rates.
  • Credit history: Some states use your credit score to determine your risk level. Drivers with good credit usually see lower can insurance rates.
  • Coverage: Purchasing minimum coverage will always lead to cheaper rates. Increasing your coverage and/or coverage limits will also increase your premium.
  • Where you store your car: Insurance rates will vary based on where you keep your vehicle. Population density, crime rates, road conditions, and other risk factors differ between states and cities and affect car insurance rates.

Here are some factors that impact auto insurance rates for Mazdas:

  • Imports: Mazda parts are produced in Japan, and importing costs can be steep, which means replacing parts can be more expensive than domestic models.
  • Safety: Virtually every model in the Mazda lineup has earned an IIHS Top Safety Pick+, which helps to reduce insurance costs.
  • Reliability: Mazda is known for its dependability, which means a lower likelihood of claims and lower insurance rates.

Best Mazda car insurance

Each year, Jerry’s editorial staff evaluates the best car insurance companies based on industry rating factors such as combined subsidiary complaints and relative ability to pay out claims.

Here are our top companies for 2025.

Insurance companyBest for:Jerry star rating (out of 5)
GeicoOverall car insurance.5
Auto-OwnersSmall insurance company.4.9
NationwideUsage-based insurance.4.7
AllstateDiscounts.4.7
FarmersCustomizable options.4.6
ProgressiveLoyal policyholders.4.6

Car insurance rates differ by state. These companies work well for many drivers, but not all of them operate in every state. Service quality can also vary by location. Click below to find the best car insurance providers in your state.

Click for the best car insurance by state.

Cheapest Mazda car insurance

Full coverage

Aspire Advantage offers the cheapest full coverage car insurance for Mazda, with an average rate of $187 per month.

According to data from real Jerry customers, these are the cheapest auto insurance companies for full coverage on a Mazda.

Insurance Company
Average full coverage cost
Aspire Advantage $187
AAA $207
ROOT $208
Safeco $215
Mercury $216
$308
$250
$266
$327
$329
$127
$92
$180
$153
$188
$301
$296
$272
$334
$190
$233
$181
$242
$190
$215
$222
$105
$266
$119
$309
$122
$424
$810
$154
$214
$178
$269
$321
$264
$229
$236
$272
$194
$250
$108
$268
$198
$162
$109
Last Updated Sept. 24, 2025

Learn more: What does full coverage car insurance cover?

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Minimum coverage

Mercury offers the cheapest minimum coverage auto insurance for Mazda, with an average rate of $54 per month.

If you’re looking for minimum coverage for your Mazda, these are the most budget-friendly insurers, according to Jerry’s data analysis.

Insurance Company
Average minimum coverage cost
Mercury $54
Aspire Advantage $84
Safeco $89
Geico $92
ROOT $108
$308
$250
$266
$327
$329
$127
$92
$180
$153
$188
$301
$296
$272
$334
$190
$233
$181
$242
$190
$215
$222
$105
$266
$119
$309
$122
$424
$810
$154
$214
$178
$269
$321
$264
$229
$236
$272
$194
$250
$108
$268
$198
$162
$109
Last Updated Sept. 24, 2025

By state

Mazda insurance prices change from state to state due to different regulations. Click below to find the lowest-cost insurers where you live.

Click for the cheapest car insurance by state.

Mazda 3 auto insurance costs

The average car insurance cost for a Mazda 3 is $329 per month, according to Jerry’s data analysis of full coverage quotes.

Here are 3 auto insurance rates from Jerry customers with full coverage policies.

Trim
Avg Monthly Quote
Mazda 3 $237
Mazda 3 100th Anniversary $243
Mazda 3 Carbon Turbo $466
Mazda 3 Grand Touring $296
Mazda 3 Gs $343
Mazda 3 Gt $290
Mazda 3 Gx $210
Mazda 3 Hatchback $183
Mazda 3 I $285
Mazda 3 Preferred $352
Mazda 3 Premium $324
Mazda 3 Premium Plus $253
Mazda 3 S $249
Mazda 3 Select $399
Mazda 3 Select Sport $358
Mazda 3 Sport $243
Mazda 3 Touring $264
$272
$334
$190
$233
$181
$242
$190
$215
$222
$105
$266
$119
$309
$122
$424
$810
$154
$214
$178
$269
$321
$264
$229
$236
$272
$194
$250
$108
$268
$198
$162
$109
Last Updated Sept. 26, 2025

Mazda 6 auto insurance costs

The average car insurance cost for a Mazda 6 is $313 per month, according to Jerry’s data analysis of full coverage quotes.

Here are 6 auto insurance rates from Jerry customers with full coverage policies.

Trim
Avg Monthly Quote
Mazda 6 Grand Touring $299
Mazda 6 Grand Touring Rese $365
Mazda 6 Grand Touring Reserve $513
Mazda 6 I $263
Mazda 6 Se $247
Mazda 6 Signature $350
Mazda 6 Sport $327
Mazda 6 Touring $264
Mazda 3 I $285
Mazda 3 Preferred $352
Mazda 3 Premium $324
Mazda 3 Premium Plus $253
Mazda 3 S $249
Mazda 3 Select $399
Mazda 3 Select Sport $358
Mazda 3 Sport $243
Mazda 3 Touring $264
$272
$334
$190
$233
$181
$242
$190
$215
$222
$105
$266
$119
$309
$122
$424
$810
$154
$214
$178
$269
$321
$264
$229
$236
$272
$194
$250
$108
$268
$198
$162
$109
Last Updated Sept. 26, 2025

Mazda CX-5 auto insurance costs

The average car insurance cost for a Mazda CX-5 is $271 per month, according to Jerry’s data analysis of full coverage quotes.

Here are CX-5 auto insurance rates from Jerry customers with full coverage policies.

Trim
Avg Monthly Quote
Mazda Cx-5 $278
Mazda Cx-5 Base $293
Mazda Cx-5 Carbon Edition $239
Mazda Cx-5 Carbon Turbo $301
Mazda Cx-5 Grand Touring $247
Mazda Cx-5 Grand Touring R $271
Mazda Cx-5 Grand Touring Reserve $315
Mazda Cx-5 Gt $190
Mazda Cx-5 Preferred $317
Mazda Cx-5 Premium $295
Mazda Cx-5 Premium Plus $327
Mazda Cx-5 Se $282
Mazda Cx-5 Select $325
Mazda Cx-5 Signature $275
Mazda Cx-5 Sport $253
Mazda Cx-5 Touring $258
Mazda 3 Touring $264
$272
$334
$190
$233
$181
$242
$190
$215
$222
$105
$266
$119
$309
$122
$424
$810
$154
$214
$178
$269
$321
$264
$229
$236
$272
$194
$250
$108
$268
$198
$162
$109
Last Updated Sept. 26, 2025

Mazda CX-9 auto insurance costs

The average car insurance cost for a Mazda CX-9 is $285 per month, according to Jerry’s data analysis of full coverage quotes.

Here are Cx-9 auto insurance rates from Jerry customers with full coverage policies.

Trim
Avg Monthly Quote
Mazda Cx-9 $277
Mazda Cx-9 Grand Touring $250
Mazda Cx-9 Signature $337
Mazda Cx-9 Sport $291
Mazda Cx-9 Sv $242
Mazda Cx-9 Touring $310
Mazda Cx-9 Touring Plus $403
Mazda Cx-5 Gt $190
Mazda Cx-5 Preferred $317
Mazda Cx-5 Premium $295
Mazda Cx-5 Premium Plus $327
Mazda Cx-5 Se $282
Mazda Cx-5 Select $325
Mazda Cx-5 Signature $275
Mazda Cx-5 Sport $253
Mazda Cx-5 Touring $258
Mazda 3 Touring $264
$272
$334
$190
$233
$181
$242
$190
$215
$222
$105
$266
$119
$309
$122
$424
$810
$154
$214
$178
$269
$321
$264
$229
$236
$272
$194
$250
$108
$268
$198
$162
$109
Last Updated Sept. 26, 2025

Mazda car insurance shopping tips

Whether you have a violation on your driving record or you drive a pricey Mazda, there are easy ways to lower your car insurance rates. Here are some of our best tips:

  • Shop around: Not every insurer weighs the same factors equally, so getting quotes from several providers can help you find the coverage you need at the best price. Jerry makes shopping for car insurance simple by gathering quotes from over 50 top providers—no phone calls, emails, or sales pitches.
  • Compare insurance costs before buying a car: Car insurance rates aren’t consistent between vehicles and some Mazda’s cost more to insure than others. If you’re looking for cheap insurance, stick to base trim levels and smaller cars—or buy used!
  • Increase your deductible: Your deductible is the amount you must pay before your collision or comprehensive insurance coverage kicks in on a claim. Increasing your deductible will reduce your monthly insurance payments.
  • Reduce auto insurance coverage: If you have an older vehicle, reducing coverage can help to lower your monthly payments.
  • Bundle your car and homeowners insurance: Most insurers offer bundling discounts, whether for home and auto bundles or another type of insurance.
  • Ask about discounts: Most insurers offer car insurance discounts to help drivers save—good student discounts, safe driver discounts, and low mileage discounts are some of the most popular.

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.
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