Jerry SummaryMazda car insurance costs $286 per month, on average, according to a July 2025 analysis of full coverage auto insurance quotes for Jerry customers. AAA offers the cheapest coverage at $142 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 $286 per month, according to Jerry’s data analysis of auto insurance quotes. Minimum coverage costs an average of $139 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 | $336 |
| 323 | $128 |
| 5 | $219 |
| 6 | $315 |
| 626 | $202 |
| 929 | $448 |
| B2000 | $146 |
| B2200 | $133 |
| B2300 | $168 |
| B2500 | $205 |
If you have a loan or lease on your vehicle, the lender will require
Click for average minimum coverage costs, by Mazda model.
|
Car Model
|
Avg Monthly Quote
|
|---|---|
| 3 | $134 |
| 323 | $57 |
| 5 | $99 |
| 6 | $154 |
| 626 | $127 |
| 929 | $300 |
| B2000 | $80 |
| B2200 | $88 |
| B2300 | $104 |
| B2500 | $117 |
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 $281 per month. In Pennsylvania, the monthly average is $240.
Here’s a look at how full coverage Mazda insurance costs differ by state.
|
State
|
Avg Monthly Quote
|
|---|---|
| AL | $183 |
| AR | $277 |
| AZ | $286 |
| CA | $291 |
| CO | $295 |
| CT | $308 |
| DC | $393 |
| DE | $258 |
| FL | $320 |
| GA | $329 |
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 company | Best for: | Jerry star rating (out of 5) |
|---|---|---|
| Geico | Overall car insurance. | 5 |
| Auto-Owners | Small insurance company. | 4.9 |
| Nationwide | Usage-based insurance. | 4.7 |
| Allstate | Discounts. | 4.7 |
| Farmers | Customizable options. | 4.6 |
| Progressive | Loyal 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
AAA offers the cheapest full coverage car insurance for Mazda, with an average rate of $142 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 | $150 |
| Safeco | $156 |
| First Acceptance | $169 |
| National General | $187 |
| ROOT | $191 |
Learn more: What does full coverage car insurance cover?
If you have a loan or lease on your vehicle, the lender will require
Minimum coverage
Mercury offers the cheapest minimum coverage auto insurance for Mazda, with an average rate of $48 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 | $42 |
| Aspire Advantage | $62 |
| Infinity | $71 |
| Electric | $75 |
| Safeco | $82 |
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 $336 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 | $140 |
| Mazda 3 Carbon Turbo | $336 |
| Mazda 3 Grand Touring | $169 |
| Mazda 3 Hatchback | $128 |
| Mazda 3 I | $125 |
| Mazda 3 Preferred | $255 |
| Mazda 3 Preferred Plus | $325 |
| Mazda 3 Premium | $238 |
| Mazda 3 Premium Plus | $208 |
| Mazda 3 S | $159 |
Mazda 6 auto insurance costs
The average car insurance cost for a Mazda 6 is $315 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 | $200 |
| Mazda 6 Grand Touring Rese | $238 |
| Mazda 6 I | $152 |
| Mazda 6 Signature | $217 |
| Mazda 6 Sport | $268 |
| Mazda 6 Touring | $206 |
Mazda Cx-5 auto insurance costs
The average car insurance cost for a Mazda Cx-5 is $275 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 | $137 |
| Mazda Cx-5 Base | $246 |
| Mazda Cx-5 Carbon Turbo | $222 |
| Mazda Cx-5 Grand Touring | $197 |
| Mazda Cx-5 Grand Touring R | $198 |
| Mazda Cx-5 Gt | $132 |
| Mazda Cx-5 Preferred | $226 |
| Mazda Cx-5 Premium | $146 |
| Mazda Cx-5 Premium Plus | $158 |
| Mazda Cx-5 Select | $260 |
Mazda Cx-9 auto insurance costs
The average car insurance cost for a Mazda Cx-9 is $283 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 | $195 |
| Mazda Cx-9 Grand Touring | $174 |
| Mazda Cx-9 Signature | $281 |
| Mazda Cx-9 Sport | $192 |
| Mazda Cx-9 Touring | $215 |
| Mazda Cx-9 Touring Plus | $274 |
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 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
