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Car insurance for Mazdas
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Car insurance is essential coverage for many, providing financial protection if you are involved in an accident. The average cost of car insurance in the U.S. is $1,674 a year for full coverage, according to 2021 quoted annual premiums from Quadrant Information Services. How much you pay for car insurance is based on factors like your age, ZIP code, driving history and vehicle make and model. Mazda has a full line of sedans, sports cars and SUVs at various price points, and which one you choose will impact your cost of car insurance.
For Mazda owners, Bankrate compared auto insurance rates for four 2019 Mazda models for the same driver profile to show the difference in premiums:
- Mazda 3
- Mazda CX-3
- Mazda CX-5
- Mazda MX-5
Car insurance for Mazdas: by model
To find the best cheap auto insurance rates for the four Mazda models, we compared rates with the top five best car insurance companies reviewed in our 2021 study. For full coverage insurance, the cheapest average annual rate we found is for the Mazda CX-3, while the most expensive is the Mazda 3. Compared to the national average however, all of these models are less expensive.
|Mazda Car Insurance||Average annual full coverage premium|
Cheapest car insurance companies for Mazda 3
The Mazda 3 sedan starts at $20,800 and comes in seven optional trim packages. Mazda’s i-Activ AWD comes standard on all Mazda 3 turbo sedan models. The Mazda 3 also comes with included features, like Mazda Connected Services, which allow you to start the car and lock the doors remotely, with access to a health status report, so you always know when it is ready for maintenance. The i-Activsense safety features include Traffic Jam Assist, front and rear sensors for parking and smart braking that come standard in the Premium Plus package and above.
The cheapest average annual rate for minimum coverage is with USAA at $334 per year, followed closely by Geico and Amica at a few dollars more. Full coverage offers more protection but comes at a higher cost. We found the cheapest average annual full coverage rates for the Mazda 3 sedan with USAA at $1,135 per year. Amica and Geico round out the top three for full coverage, based on the auto issuers we reviewed.
Cheapest car insurance companies for Mazda CX-3
The Mazda CX-3 Sport is a subcompact crossover SUV that begins at $20,790 for a new model in 2021. The manufacturer decided to end production in 2022 for the Mazda CX-3 after introducing the CX-30 in 2020. Those still interested in the Mazda CX-3 can enjoy standard AWD and the same Connected Services and safety features as the Mazda 3. The Mazda CX-3 won the 2021 IIHS Top Safety Pick+, with features like automatic emergency brake detection and lane departure warning.
Average annual minimum coverage rates for the Mazda CX-3 are lowest with USAA at $329, but Geico and Amica’s rates are not far behind at $338 and $379, respectively. Geico has the cheapest average full coverage rates per year of $1,032. USAA is not much higher at $1,055, and Amica offers full coverage for this model at $1,235.
Cheapest car insurance companies for Mazda CX-5
Starting at $25,900, the Mazda CX-5 crossover SUV offers a luxury experience without breaking the bank. The Mazda CX-5 comes in seven optional trim packages, but no matter which one you choose, i-Activ AWD and newly released Mi-Drive technology come standard. Another standard feature includes pedestrian safety through the Advanced Smart City Brake Support, especially important for drivers in busy areas with ample walking spaces. Though these features may contribute to a more luxury feel, insurance rates average on the higher end of affordability, which may be because SUVs may be safer in the event of head-on collisions compared to other vehicle types.
As for average annual minimum coverage, USAA has the cheapest rates for the Mazda CX-5 at $347. Erie and Amica offer slightly higher, but still reasonable, premiums of $373 and $379, respectively. If you are looking for full coverage protection, USAA once again has the cheapest average annual premiums of $1,083. Geico is just dollars behind, at $1,091, while Amica rounds out the top three at $1,241 yearly.
Cheapest car insurance companies for Mazda MX-5
The Mazda MX-5 Miata convertible roadster is Mazda’s take on a sports car, starting at $27,300. The MX-5 is designed with a near-perfect 50/50 weight distribution for greater handling at high speed, which is an impressive feat at such a low price point. This model comes in two upgradable trim packages, or you could pay a bit more for the Mazda MX-5 Miata RF, with a base price of $35,000. Though each trim package comes standard with a manual transmission, the Grand Touring has an optional automatic transmission. Each option also comes standard with blind-spot monitoring, lane departure warning and kinematic posture control.
Once again, USAA comes in at the cheapest average annual rate for minimum coverage, costing just $266. Geico and Erie are the next lowest, at $355 and $375, respectively. The average annual premiums for full coverage on the Mazda MX-5 are lowest with Amica, coming in at $1,199. USAA and not far behind, costing around $1,239 and $1,289, respectively.
Other car insurance coverage for Mazdas
Although most states only require a minimum amount of liability insurance coverage, many insurance experts recommend purchasing as much liability coverage as you can afford to provide you with greater financial protection in case of a costly insurance claim.
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 when getting quotes or switching carriers. Certain coverage types can provide added financial protection should you get involved in a serious accident and need to repair or replace your vehicle:
- Collision: This coverage will pay to fix or replace your Mazda if you are involved in a collision, and it is damaged.
- Comprehensive: Also known as other-than-collision coverage, comprehensive pays for claims that are not covered under collision insurance. This includes weather events, hitting an animal, broken windows and windshields, 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 the Mazda is totaled and the depreciated value is less than what you owe on the vehicle loan.
- OEM parts: 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.
- Rental car reimbursement: This optional coverage is worth considering if you do not have access to another vehicle to drive while your Mazda is being fixed after a claim occurred.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 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 coverages that meet each state’s requirements. Our base profile drivers own a 2019 Mazda of the following models, commute five days a week and drive 12,000 miles annually:
- Mazda 3
- Mazda CX-3
- Mazda CX-5
- Mazda MX-5
These are sample rates and should only be used for comparative purposes.