Mazda CX-30 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• Insuring a Mazda CX-30 costs about the same as insuring the average car.
• Full coverage car insurance for a CX-30 comes in at about $175 per month, on average, while liability only insurance normally runs around $76 a month.
• The lowest insurance company for a CX-30 is Aspire, who offers CX-30 drivers premiums as low as $35 per month.

CX-30 Overview

With a base price of just $23,300 for 2021 models, the Mazda CX-30 is a great budget-friendly car for drivers of all types. With five different trim levels currently available, there's something there for every driver.

We combed through thousands of auto insurance quotes on Compare.com, and we've determined that, on average, Mazda CX-30 insurance prices run about $154 a month. But compared to other vehicles in the market, are CX-30 auto insurance rates higher or lower than those of similar cars?

How Much is Car Insurance for a Mazda CX-30?

Looking at the table above, you can see that Mazda CX-30 insurance prices are right around average compared to other vehicles on the road. On average, CX-30 owners will pay about $76 monthly for liability insurance, and around $175 a month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference).

Comparing it to other Mazda models, the CX-30 is more expensive, with premiums more than 10% higher than the rest of the company's vehicle lineup. However, compared to other vehicles of a similar body style, CX-30 coverage is cheaper than average, with both liability only and full coverage insurance averaging less expensive rates than other cars.

When compared to all vehicles of any body type, car insurance premiums for both full coverage and liability only policies run lower than average.

Who has the Cheapest Car Insurance for a Mazda CX-30?

If you're searching for an auto insurance policy for a Mazda CX-30, you may want to know which carrier offers the cheapest premiums. While there will never be one company that offers the cheapest rates for everyone, the lowest average rates for liability only insurance are sometimes just $35 a month from Aspire. With car insurance as low as just $40 monthly, Hugo is the next most affordable auto insurance carrier.

Rounding out the list are Clearcover, Sun Coast, and Apparent. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, your results might be different, since car insurance companies look at many different factors when calculating premiums. There's only one way to make sure you find the cheapest possible rates, and that's by checking quotes from lots of insurance carriers.

What Factors Affect Car Insurance Rates for a Mazda CX-30?

As we mentioned above, there are numerous things that car insurance companies consider to calculate how much they charge you -- and each company weighs different attributes more heavily than others, so there's not one single carrier that's the most affordable for every driver.

The sections below show a multitude of variables insurance carriers use to determine rates:

Vehicle Age

The Mazda CX-30 has only been around for one model year, which means vehicle age won't come into play the same way it might for other vehicles. Normally, newer cars are going to cost more to insure because they're worth more, but as they get older, insurance costs will gradually go lower.

As you can see in the information above, CX-30 rates are typically about $76 per month.

Your Age

Your age is another factor that plays a big role in how much you pay for auto insurance. Because the Mazda CX-30 is pretty new to the market, we're just starting to collect data on how age is affecting insurance prices. So far, based on the table above, drivers under 24 have higher rates compared to those who have more experience. In this case, drivers 18 to 24 pay $17 more than those 25 or older.

Insurance prices continue to get lower as you get older, with drivers aged 55-64 making up the cheapest age group for the CX-30.

Your Gender

Did you know men tend to pay more for car insurance than women? This is because women are less likely to get into accidents and get speeding tickets, which decreases the chances of an insurance claim. When it comes to CX-30 drivers specifically, women pay around $73 monthly for auto insurance and men pay about $79.

Where You Live

It may seem like common sense that factors like what vehicle you drive and how old you are play a role in your car insurance prices, but did you know that where you live can be just as important? Since auto insurance is regulated on the state level and not nationally, premiums can fluctuate quite a bit depending on where you live.

Because the CX-30 is a relatively new vehicle, our data on all 50 states is somewhat limited. Even so, you can see in the table above that Georgia has rates that are more expensive than other locations.

Mazda CX-30 Car Insurance Discounts

Whatever what state you live in, which vehicle you drive, or how old you are, using as many discounts as possible when it comes to your insurance is always a smart move when shopping around for a new policy.

Not every auto insurance company will offer the same discounts, but there are a few that are relatively universal. These include things like:

• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings
• Defensive driving discounts for taking a defensive driving class through a certified school or institution
• Multi-policy discounts for bundling your home and auto policies with the same insurance carrier
• Pay-in-full discounts for choosing to pay your entire policy rate up front, rather than by monthly payments

However, discounts aren't the only way to save. Often, the best way to get great rates is to work on your overall insurance profile.

Even though you don't have control over every variable insurance companies use to calculate prices (like some of the ones mentioned above), you can influence some of them. Below are just a few of the ones you can use in your favor when it comes to cost savings:

Your Driving Record

You've probably noticed ads from car insurance carriers offering big savings for good drivers. And you're probably not surprised to hear that if you get speeding tickets or get into an accident, insurance rates will get higher. But you're probably wondering exactly how much these infractions will cost you.

Unfortunately, we don't have enough data on file for Mazda CX-30 drivers specifically, since it is a relatively new vehicle. However, as we see more and more of these on the road, we'll have a better idea of how much infractions will cost CX-30 drivers when it comes to auto insurance.

How Much You Drive

The total distance you drive annually plays a role in your car insurance premiums. Those who drive less often are less likely to get tickets, so they'll usually end up spending less on insurance. Since the Mazda CX-30 is a new vehicle, our data is relatively limited, so we don't yet know how much annual driving distance will affect prices. So far, drivers who travel 0 - 2,500 miles each year are offered the highest rates.

If you're one of those drivers who don't put very many miles on your Mazda CX-30 each year, it may be worth considering usage-based or pay-per-mile car insurance. With these plans, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

How Do Mazda CX-30s Compare to Other Vehicles?

If you're thinking about buying a new vehicle and a Mazda CX-30 is on your shortlist, it might be helpful to do your homework. Auto insurance is just one cost that's associated with a new car purchase, but it's guaranteed to be one that's worth thinking about carefully.

Check out the table below to see how the Mazda CX-30 stacks up:

Overall, the Mazda CX-30 is a great value when it comes to price, with an MSRP that's a third less than the going rate for a new vehicle. The CX-30 goes for $23,300, which is much cheaper than the national average vehicle MSRP of $46,296.

Similarly, auto insurance premiums run slightly below average when compared to other vehicles on the market. Liability insurance for a Mazda CX-30 is around $10 per month less than average, while full coverage is $8 more a month.

However, it is worth noting that the CX-30 owners tend to drive their cars less than the average American driver, with only 9,842 annual miles for the average owner.

Mazda CX-30 Car Insurance Costs by Model Year

You've seen how different variables can affect how much the average driver pays for car insurance. But if you're in thinking about buying a new car, truck, or SUV and the CX-30 is on your wishlist, knowing what you can expect to pay for the specific vehicle you're looking at can be extremely valuable as you weigh your choices.

2021 Mazda CX-30 Car Insurance

On average, drivers who own a 2021 Mazda CX-30 can expect to pay $71 to $177 per month for liability only and full coverage auto insurance, respectively.

DirectGeneral has premiums as little as $24 monthly for the 2021 Mazda CX-30.

While these are good estimates of what the average driver might pay to insure a 2021 Mazda CX-30, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

2020 Mazda CX-30 Car Insurance

The average cost to insure a 2020 CX-30 with liability only coverage is $82 per month, while full coverage runs about $169 a month.

Looking for the lowest policy? DirectGeneral offered liability only coverage for sometimes as cheap as $35 per month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

Mazda CX-30 Insurance FAQs

Is a Mazda CX-30 expensive to insure?

The cost of car insurance for the Mazda CX-30 is about the same as insuring the average vehicle. Liability insurance runs an average of $76 monthly, while full coverage will cost you around $175.

How can I get the best price on car insurance for my Mazda CX-30?

The only way to confirm you're getting the most affordable price on auto insurance is to check prices regularly and compare quotes from an array of companies. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a wide array of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Mazda CX-30 affect my insurance premiums?

Have you heard the old adage that red cars cost more to insure than cars of other colors before? Well, that's actually not true. There are quite a few things insurance companies think about when they offer rates, but the color of your CX-30 is not one of them.

Do I need to have insurance before I buy a Mazda CX-30?

You'll need to have a valid car insurance policy before you can legally drive your new (or new to you) car off the dealership lot. Some dealerships will offer you an insurance policy as part of the buying process, but your best bet is letting your insurance carrier know beforehand.

What car insurance discounts can I get for my Mazda CX-30?

You will find a lot of different discounts out there for auto insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are more based on you than the vehicle you drive, but if your CX-30 has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may qualify for certain discounts. The only way to know is to get in touch with your insurance company and ask about which discounts they offer.