Over the past year, Jerry has helped 25,126 Mazda drivers find better coverage and real savings. By analyzing real Mazda insurance policies, we know what owners are actually paying and what you can expect across coverage levels.
Competitive annual prices for Mazda drivers are currently around:
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$1,120 for basic coverage.
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$2,565 for standard coverage.
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$3,171 for premium coverage.
These numbers serve as reference points, but your actual cost depends on your Mazda model, your driving record and where you live.
On average, Mazda drivers pay between $2,250 and $4,822 per year for full coverage, with an average premium around $4,017. That’s right around the national cost of $4,080, thanks to Mazda’s strong safety ratings, affordable parts and efficient design.
Already insured? Jerry pulls live quotes from top insurers so you can easily compare and switch. If we find you a better deal on your Mazda car insurance, you can move your policy immediately. Jerry will even cancel your old one and make sure you get any refund you’re owed.
Fast track your Mazda insurance with Jerry.
How much does Mazda auto insurance cost?
Mazda auto insurance costs vary by model, but Jerry makes it easy to see what real drivers with your profile are paying today.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Key takeaway: Even within the same city, Mazda drivers can see premiums differ by hundreds each year. Jerry compares quotes from leading insurers to help you find the best value for your coverage.
What’s the best car insurance for a Mazda?
Owning a Mazda means driving something engineered for balance with performance, safety and comfort in harmony. Protecting it takes coverage designed with that same precision.
If your Mazda is financed or leased, your lender will require full coverage. You may also need gap insurance, which covers the remaining balance if your car is totaled.
Jerry recommends that Mazda drivers carry at least 100/300/100 liability with collision and comprehensive coverage. While that’s higher than most state minimums, it’s a smart choice for vehicles known for their performance and longevity.
No matter your insurer, lender or budget, there are plenty of options to protect your Mazda. Here are some of the most common, what they cover and why drivers choose them.
Higher liability limits
Mazda’s responsive handling inspires confidence, but even the best drivers can get in an at-fault accident. That’s why 48% of Jerry Mazda drivers choose higher-than-minimum coverage.
Full coverage
Comprehensive and collision cover theft, hail and at-fault damage. Around 43% of Jerry Mazda drivers carry full coverage for dependable protection.
OEM parts coverage
Keeps your Mazda running its best with genuine parts and factory-trained service. Typically available for vehicles between three and ten years old.
New car replacement
Replaces your Mazda with a new model if it’s totaled early on. It’s especially valuable for newer vehicles with modern safety and driver-assist systems.
Roadside assistance
Covers towing, lockouts and jump-starts. Mazda includes complimentary roadside assistance for up to three years, but many owners choose to extend it.
Rental reimbursement
Covers the cost of a rental car while your Mazda is being repaired. Most insurers offer 30 to 45 days of coverage depending on your state and carrier.
Gap insurance
Pays off what’s left on your loan or lease if your Mazda is totaled. About 39% of all drivers add gap coverage when financing their car.
Accident forgiveness
Prevents your rate from jumping after your first at-fault accident. Without it, Mazda drivers see premiums rise by over 21% on average.
See coverage options for your Mazda.
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Coverage Definitions
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Who it pays: The other person, for injuries when you’re at fault in a crash.
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What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.
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How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.
Property damage liability (PD)
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Who it pays: The other person, for property you damage in a crash.
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What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.
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How it pays: Up to your policy’s limit. For example, $50K.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.
*Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.
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Who it pays: You, for damage to your own car.
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What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
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Who it pays: You, for damage to your own car.
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What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
Uninsured/underinsured motorist (UM/UIM)
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Who it pays: You and your passengers, for injuries and property damage.
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What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.
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How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.
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Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.
Personal injury protection (PIP)
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Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.
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What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.
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How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.
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Do you need it? Required in no-fault states. If available in your state, it’s worth considering.
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Who it pays: You and your passengers, for medical bills.
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What it covers: Medical expenses after an accident, regardless of fault.
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How it pays: No deductible. Pays up to your policy’s limit.
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Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.
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4 smart ways Mazda drivers can shop and lower insurance costs
Getting the right insurance means balancing coverage with an affordable rate. For Mazda drivers, that balance can vary since safety tech, repair costs and model type all affect pricing.
Jerry’s experts help Mazda owners keep premiums low without cutting back on the protection their cars deserve. Here are our top tips.
| How to save | Typical savings |
|---|---|
| Compare quotes | 40% to 68% among Mazda drivers |
| Stack discounts | 26% to 49% among all drivers |
| Adjust coverage | 7% to 61% among all drivers |
| Sign up for telematics | 6% among Mazda drivers |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Tip 1: Compare quotes to find the best price
Not every insurer prices Mazda coverage the same way. Some overestimate repair costs or performance risk, while others factor in Mazda’s excellent safety record. Comparing before you renew ensures you’re not overpaying for identical coverage.
Here’s where Mazda drivers who saved most often switched last year after comparing rates with Jerry:
| Insurer | Mazda drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 36% | 33% |
| Root | 14% | 42% |
| Gainsco | 9% | 15% |
| National General | 9% | 25% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Why it matters: Mazda drivers can save over 40% by comparing quotes. Jerry shows live prices in real time so you can find the best deal before you buy.
Tip 2: Combine discounts for more savings
Mazda owners often qualify for multiple discounts like safe-driver rewards, policy bundles or low-mileage programs. But insurers don’t always apply them automatically.
Jerry checks every available discount so you get your full savings.
Key takeaway: Discounts can add up to more savings than raising deductibles alone.
Tip 3: Match your coverage to your Mazda
From the CX-30 to the MX-5, every Mazda has unique coverage needs. Most owners carry more coverage than required for new or high-value models, then adjust as the car ages.
Minimum
$72 – $163/mo
Offers the legal minimum limits, which vary by state.
Full
$149 – $323/mo
Includes minimum liability plus collision and comprehensive coverage.
Standard
$182 – $392/mo
Increases liability limits, adds things like UM/UIM, medical, towing & more.
Preferred
$199 – $421/mo
Raises liability further, lowers deductibles, expands extra coverages.
Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.
Why it matters: Most Mazda drivers with newer models choose full coverage and higher liability limits. Jerry experts recommend 100/300/100 for strong protection that reflects Mazda’s balance of performance and value.
Tip 4: Safe driving habits help lower Honda insurance costs
Telematics programs track your driving through an app or small device, measuring habits like speed, braking and mileage. Mazda drivers who enroll and drive safely can lower their rates by about 6%, especially if they log fewer miles than average.
Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Jerry Proof: Real Mazda drivers, real savings
Want to see what Mazda owners are really saving? Here are real drivers, their vehicles and the deals they found after comparing quotes with Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Customer feedback: Drivers who switched with Jerry rate us 4.6 out of 5 stars on Trustpilot.
Drive with confidence
Mazda insurance rates can vary, but paying too much doesn’t have to be part of the experience. Whether you drive a CX-5, a Mazda3 or an MX-5, Jerry helps you find coverage that matches Mazda’s mix of agility, safety and everyday dependability.
We compare top insurers, find every discount and manage renewals so your protection stays as reliable as your car.
It only takes 2 minutes to sign up at Jerry.
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Avg Monthly Quote
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Car Make and Model
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Avg Monthly Quote
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Car Make and Model
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|---|---|
| $284 | Mazda CX-5 GRAND TOURING R |
| $153 | Mazda Tribute Hybrid |
| $243 | Mazda CX-5 GRAND TOURING RESERVE |
| $138 | Mazda MX-6 LS |
| $143 | Mazda Mazda2 Touring |
| $214 | Mazda 5 |
| $247 | Mazda Mazda6i |
| $215 | Mazda 3 Sv |
| $315 | Mazda CX-30 PREMIUM |
| $266 | Mazda 6 Signature |
| $153 | Mazda B2500 Cab Plus |
| $373 | Mazda MX-5 |
| $291 | Mazda CX-50 SELECT |
| $335 | Mazda 3 Premium Plus |
| $253 | Mazda Mazda3 I |
| $274 | Mazda CX-5 SELECT |
| $60 | Mazda 6 4d I |
| $243 | Mazda 6 Touring |
| $210 | Mazda 3 Hatchback |
| $269 | Mazda CX-9 GRAND TOURING |
FAQs
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How much does Mazda car insurance cost by model?
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Are Mazdas safe cars?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Methodology
Statistics and conclusions presented in this article based on drivers who requested quotes through Jerry over the past 12 months and who had no accidents or violations, unless otherwise indicated. Quotes and coverage not available for all customers. Not all customers find savings.
