Car insurance for Mazdas

How much does it cost to insure a Mazda?

Each vehicle model has unique features, and these differences, combined with driver and location characteristics, mean that no two Mazda auto insurance premiums are the same. Nationally, the average cost of car insurance is $2,458 per year for full coverage, which is $205 per month, and the average minimum coverage policy costs $678 per year or $56 per month.

To evaluate the average cost of car insurance for this make, we analyzed average rate data from Quadrant Information Services for two popular Mazda models: the MX-5 Miata and the Mazda3 hatchback and sedan. However, your rates are likely to vary from these averages. Trim packages, safety features, cost of parts and labor and theft risk are just some of the factors influencing insurance costs.

Car insurance for Mazdas by model

It may surprise you to know that car insurance rates can vary even among cars of the same make. Below we analyzed average rates for two popular Mazda models and factors that may contribute to their coverage costs. These may give you a point of comparison when looking at your own quotes, but note that your rates will likely vary from these averages based on personal rating factors like location, driving history and, in most states, age and gender. This data uses the same driver profile across all quotes to highlight the impact of different model types.

Mazda Miata

With a starting MSRP of just over $30,000 for 2024 models, the Mazda MX-5 Miata is among the most affordable sports cars on the market. Its insurance rates also tend to be reasonable, despite the risk factors associated with sports cars. Keep in mind that higher trims with luxury and performance features may cost more to insure, particularly with a full coverage policy.

Mazda3

The Mazda3, available as a sedan or hatchback, combines budget practicality with features that feel high-end — without the steep insurance bills that follow an Audi or a BMW. The 2022 Mazda3, which our data is based on, earned a Top Safety Pick+ designation from the Insurance Institute for Highway Safety for both body styles, making it a lower risk to insure.

Cheapest car insurance companies for Mazdas

Although average insurance rates for the Mazda models we analyzed are cheaper than the national average for all passenger vehicles, rates will vary depending on your personal situation. Getting quotes from several providers to compare rates and benefits may help you find the most affordable premium. Additional trim packages offering high-end features can increase the MSRP and may drive up the cost of comprehensive and collision insurance since these features typically cost more to repair at the time of a loss.

We analyzed average Mazda car insurance rates from dozens of carriers and narrowed down which ones may be most affordable based on the models we assessed.

Average annual premium for full coverage by model

Mazda features that impact insurance costs

Vehicle features that improve safety, prevent accidents or deter theft may result in lower car insurance premiums. The cost and ease of repairs will also impact rates. Some of the following standard features could contribute to Mazda’s competitive insurance rates:

• Engine immobilizers: The engine-immobilizer anti-theft system built into both the Miata and the Mazda3 helps to reduce theft rates for both models, especially when compared to competitors like Hyundai and Kia. Lower theft rates may result in cheaper comprehensive coverage for Mazdas.
• Advanced safety features: Mazda’s standard advanced driver assistance systems (ADAS) — included on every new model — may reduce the risk of collisions, bringing down the cost of insurance coverage.
• Affordable finishes: Mazda is known for making vehicles that feel more expensive than they are. When it comes to insurance, this is good news — but while more affordable finishes could reduce your costs compared to pricier models, springing for upgrade packages can still add to your final premium.

Other car insurance coverage for Mazda

Although most states only require a minimum amount of liability coverage, many insurance experts recommend purchasing additional coverage types and higher limits for more financial protection in the event of an accident or other covered incident.

If you finance or lease your Mazda, you will likely be required to purchase full coverage insurance. Even if you do not finance your new Mazda, you may want to consider these additional coverage options:

• Collision insurance: Included in full coverage car insurance, this covers damage sustained if you hit another vehicle or stationary object with your car.
• Comprehensive insurance: Also known as other-than-collision coverage, comprehensive is the second aspect of full coverage and pays for claims that are not covered under collision insurance. This includes weather events, hitting an animal, broken windows, theft and vandalism.
• Gap insurance: This coverage will pay the difference between your claim payout of the depreciated value of your Mazda and your outstanding loan or lease amount if your Mazda is totaled and the depreciated value is less than what you owe on the vehicle loan.
• OEM parts insurance: Some insurance companies offer this optional coverage, which provides OEM Mazda parts rather than aftermarket parts if your Mazda is damaged as the result of a covered claim.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Model: To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: Mazda MX-5 Miata, Mazda3 and Toyota Camry.