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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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If you’re in the market for a Mazda, you’ll pay rates below the national average for most cars. Mazda owners pay an average of $142 per month for car insurance.
Mazda car insurance tends to run cheaper partly because the brand is safe and reliable, earning high ranks in the J.D. Power 2025 U.S. Vehicle Dependability Study.[1] They also come with a solid powertrain warranty and include free roadside assistance during the warranty period for covered failures.[2]
That said, your auto insurance costs will depend on many factors, including the Mazda model and year you choose, coverage levels, and where you live. Comparing quotes from multiple companies is the best way to find affordable coverage.
Below, we break down Mazda insurance costs and highlight the cheapest insurers to help you lock in the best coverage.
Mazda car insurance averages $101 per month for liability coverage and $184 for full coverage.
The Mazda5 is the cheapest model to insure, averaging $82 per month for liability-only and $150 for full coverage.
Travelers, Certainly, and Mile Auto offer the cheapest average rates for Mazda insurance.
The table below shows average monthly Mazda insurance rates for different types of coverage and how each coverage level compares to the national average, according to Compare.com data.
Vehicle Type  | Average Monthly Premium: Liability Coverage | Average Monthly Premium: Full Coverage | Overall Average for All Policies |
|---|---|---|---|
| Mazda | $101 | $184 | $142 |
| All makes | $107 | $197 | $152 |
Mazda’s liability coverage and full-coverage rates fall below the national average. Overall, Mazda owners will pay around $10 per month less than the national average for all vehicles.
Next, we’ll look at average rates by model.
Comparing quotes can save you up to $867.†
The Mazda model you drive can affect insurance costs. Vehicle value, theft rates, replacement parts and repair costs, safety ratings, and features influence premiums for different car models.
Coverage levels also play a key role in how much you pay. Basic liability is the cheapest option, but it doesn’t provide coverage for your own vehicle. Full coverage costs more because it includes collision and comprehensive coverage, which pays for your damages.
Model | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| Mazda2 | $96 | $174 |
| Mazda3 | $106 | $193 |
| Mazda5 | $82 | $150 |
| Mazda6 | $105 | $191 |
| CX-3 | $100 | $182 |
| CX-30 | $114 | $207 |
| CX-5 | $95 | $173 |
| CX-50 | $116 | $210 |
| CX-7 | $84 | $153 |
| CX-9 | $101 | $183 |
| CX-90 | N/A | N/A |
| MX-30 | N/A | N/A |
| MX-5 Miata | $98 | $179 |
| All Mazda models | $101 | $184 |
The Mazda5 is the most affordable to insure, averaging $150 per month for full coverage, according to our analysis. The Mazda CX-50 has the highest average full-coverage insurance premium, coming in at $60 more per month, at $210.
Now, let’s take a look at which insurance companies offer the cheapest rates for Mazda drivers.
While average rates give you a general idea of what you’ll pay, many Mazda drivers can still find lower premiums by shopping around. To give you a jump-start, we’ve highlighted the cheapest companies for Mazdas.
Company | Average Monthly Premium |
|---|---|
| Travelers | $72 |
| Certainly | $74 |
| Mile Auto | $77 |
| Nationwide | $89 |
| Just Pay-Per-Mile | $90 |
| Clearcover | $92 |
| State Auto | $94 |
| Safeco | $96 |
| Root | $101 |
| Mercury | $107 |
Travelers is the cheapest insurance company for Mazdas, averaging $72 per month. Although these companies are the cheapest, on average, they won’t necessarily be the cheapest option for everyone.
Rates can vary widely from person to person and company to company, and many factors — including your age, driving history, and ZIP code — affect your rates. That’s why comparing quotes from multiple companies is the best way to get the most affordable auto coverage.
In the next section, we’ll highlight some of the top insurers for Mazda owners for different driving profiles and coverage options.
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No single best car insurance company exists for all Mazda drivers. The right company for you will depend on your budget, coverage needs, and driving profile. Still, some companies stand out above the rest.
We chose the companies below based on a combination of average Mazda insurance rates, available discounts, customer satisfaction, and coverage options. We’ve highlighted top picks for drivers seeking basic liability and customizable policies for their Mazda.
Compare.com Rating: 4.23 out of 5
Incredibly cheap Mazda rates
Accident forgiveness available
Many discounts available
Travelers is among the cheapest companies for basic coverage. It offers plenty of optional coverages, including gap insurance, new car replacement, rental reimbursement, and rideshare coverage.
Responsible Mazda drivers may qualify for the Premier Responsible Driver Plan. It includes coverages like accident forgiveness, decreasing deductible, and a total loss deductible waiver to limit your out-of-pocket expenses if you get into an accident.
Compare.com Rating: 3.98 out of 5
Customizable policies
Personalized service from local agents
Above-average claims satisfaction
Low digital experience score
Below-average telematics program rating
Coverage and discount availability vary by state
Farmers Insurance may be a good fit for Mazda owners who customize or modify their vehicles. It offers custom equipment coverage, which covers aftermarket upgrades like performance parts, audio systems, custom paint, and body kits. Most standard full-coverage policies exclude these features.
You can customize a Farmers policy further with optional coverages such as gap insurance, rideshare, accident forgiveness, new car replacement, OEM parts, roadside assistance, and rental reimbursement coverage.
Compare.com Rating: 4.95 out of 5
Mechanical breakdown coverage rivals extended warranty
Highly rated mobile app[5]
24/7 customer support
Gap insurance not available
Limited number of local agents
Below-average claims satisfaction rating
GEICO is one of the few insurers offering mechanical breakdown coverage (MBI) for Mazda owners seeking extended protection beyond the manufacturer’s warranty. Unlike traditional auto coverage, MBI covers major mechanical components such as the engine, transmission, suspension, and electrical systems.
Drivers with new or leased Mazdas less than 15 months old and fewer than 15,000 miles qualify for this coverage. It’s renewable for up to seven years or 100,000 miles and may be more cost-effective than an extended warranty.
Compare personalized quotes from dozens of top companies in minutes.
The state you live in can play a major role in your Mazda auto insurance premium. Local factors like crime and accident rates, state laws, insurance requirements, weather, population density, and healthcare and auto repair costs mean rates can vary drastically.
Check out the map below to see how Mazda insurance costs differ by state, according to our data.
State | Average Monthly Premium |
|---|---|
| Alabama | $94 |
| Arizona | $125 |
| Arkansas | $180 |
| California | $181 |
| Colorado | $147 |
| Connecticut | $285 |
| Delaware | $174 |
| Florida | $183 |
| Georgia | $186 |
| Idaho | $95 |
| Illinois | $117 |
| Indiana | $101 |
| Iowa | $85 |
| Kansas | $115 |
| Kentucky | $183 |
| Louisiana | $169 |
| Maine | $111 |
| Maryland | $258 |
| Massachusetts | $141 |
| Michigan | $220 |
| Minnesota | $141 |
| Mississippi | $141 |
| Missouri | $138 |
| Montana | $114 |
| Nebraska | $132 |
| Nevada | $224 |
| New Hampshire | $86 |
| New Jersey | $149 |
| New Mexico | $109 |
| New York | $361 |
| North Carolina | $70 |
| North Dakota | $109 |
| Ohio | $95 |
| Oklahoma | $122 |
| Oregon | $121 |
| Pennsylvania | $123 |
| Rhode Island | $108 |
| South Carolina | $206 |
| South Dakota | $91 |
| Tennessee | $106 |
| Texas | $167 |
| Utah | $137 |
| Vermont | $102 |
| Virginia | $136 |
| Washington | $105 |
| District of Columbia | $213 |
| West Virginia | $109 |
| Wisconsin | $95 |
| Wyoming | $91 |
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Finding the cheapest rate is important, but so is choosing the right coverage for your Mazda. Here’s how to decide what level of insurance fits your needs:
Think about your Mazda’s value and age. Newer Mazda models usually need full coverage — especially if you’re financing or leasing. Older models you can afford to fix or replace may only need liability coverage. Either way, you need at least your state’s minimum coverage limits.
Consider your Mazda maintenance or vehicle protection plan. Your Mazda maintenance or vehicle protection plan may already include valuable coverage. If you’ve purchased one, you might not need optional add-ons like gap insurance or mechanical breakdown coverage from your insurer.
Factor in safety features. Newer Mazdas include advanced safety technology, which could lower your premiums but justify the need for full coverage.
Evaluate your driving habits. Daily drivers and long-distance commuters are more likely to get into accidents because they spend more time on the road. You might benefit from full coverage with add-ons like roadside assistance if you get stranded or into a crash.
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Mazda insurance rates are affordable compared to most vehicles, but there are still a few ways to lower your premiums:
Increase your deductibles. If you need comprehensive and collision coverage, raise your deductibles to lower your premium. Just make sure you can afford the higher cost when you file a claim.
Consider telematics. You could save big if you’re a safe driver, don’t put a lot of mileage on your Mazda, and allow your insurer to track your driving habits.
Ask about discounts. Applying discounts is the easiest way to save, and most are stackable to maximize savings.
Bundle your policies. Buy home and auto insurance with the same company to get the multi-policy discount, which is typically the largest discount available.
Shop often. Compare quotes from multiple companies at each renewal or when you make changes to your policy to ensure you get the cheapest rates.
Compare personalized quotes and find the best insurer for your Mazda.
Below are answers to the most common questions people ask about Mazda auto insurance.
Mazda car insurance costs around $142 per month, according to Compare.com data. Liability-only policies run about $101 per month, while full coverage costs an average of $184.
No. Mazdas are cheaper to insure than other makes, according to our data. The average cost of Mazda auto insurance is $142, while other vehicles average $152 per month.
The Mazda5 is the cheapest model to insure, averaging $82 per month for liability and $150 per month for full coverage, according to Compare.com data.
Yes. $200 per month for car insurance is a lot if you consider that the average insurance cost for all vehicle makes is $152 per month. For more context, the average full-coverage policy for a Mazda costs $184 per month, according to Compare.com data. That said, many factors, including your driving record, location, and coverage needs, ultimately determine how much you’ll pay.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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