Mazda Car Insurance Cost: 2025 Rates by Model and Cheapest to Insure

How much does Mazda insurance cost? We analyze average rates for all Mazda vehicles like the CX-30, CX-50 and MX-5 Miata to find the cheapest car insurance rates.

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A little known fact about Mazda, it began in 1920 as a cork making company in Hiroshima, Japan.

In the 1930’s Mazda switched from corks to machine tools, then weapons during World War II. It wasn’t until 1984 when they formally adopted the Mazda name.

Today, Mazda produces a variety of compact and midsize cars and SUVs, with a focus on fuel economy and low emissions. The new MX-30 is Mazda’s first production electric vehicle.

When buying a Mazda or any other vehicle, one of the first questions should be how much is insurance going to cost. We break down car insurance rates for different Mazda models plus compare them to the competition to see where Mazda ranks for affordability.

How much does Mazda insurance cost?

For 2024 models, Mazda car insurance rates have an average range from $1,910 per year on a Mazda CX-5 up to $2,522 per year on the Mazda CX-90.

The average cost for all Mazda vehicles is $2,240 per year, which is 0.9% more than the U.S. national average auto insurance rate of $2,221. In fact, Mazda has the cheapest average car insurance rates of any other manufacturer.

Not the cheapest to insure nor the most expensive, models that rank closer to the average are the Mazda MX-30, Mazda CX-9, and Mazda CX-50. Average insurance rates for those three models are $2,172, $2,286, and $2,326, respectively.

The next table shows the average cost per year and month to insure the different models of Mazda vehicles. Discontinued (and future) models are indicated by the year next to the model names.

Average Insurance Cost for Mazda Vehicles
Model Annual Premium Cost Per Month
Mazda 2 2014 and prior model years$1,348$112
Mazda 3$2,424$202
Mazda 5 2016 and prior model years$1,524$127
Mazda 6 2022 and prior model years$2,130$178
Mazda CX-3 2021 and prior model years$1,624$135
Mazda CX-30$2,114$176
Mazda CX-5$1,910$159
Mazda CX-50$2,326$194
Mazda CX-9$2,286$191
Mazda CX-90$2,522$210
Mazda Mazdaspeed 3 2013 and prior model years$1,432$119
Mazda MX-30$2,172$181
Mazda MX-5 Miata$2,166$181

Is Mazda auto insurance expensive?

At an average cost across all 2024 models of $2,240 per year, Mazda has some of the cheapest car insurance rates of any manufacturer. In our comparisons, Mazda ranks #1 for having the cheapest average rates.

As a Japanese brand, Mazda’s primary competitors are Toyota, Honda, and Nissan. When compared to these three automakers, Mazda insurance rates are $160 cheaper per year than Toyota, $117 cheaper per year than Honda, and $184 cheaper per year than Nissan.

In the comparison chart below, Mazda car insurance averages $2,240 per year and is shown as the first orange bar. The other competing Asian brands are shown in blue alphabetically.

Average car insurance cost for 2024 model year Mazda vehicles compared to competitors.
Figure 1: Average car insurance cost for 2024 model year Mazda vehicles compared to competitors. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance rates include all Mazda, Honda, Hyundai, Kia, Nissan, Subaru, and Toyota vehicles for the 2024 model year. Rated driver is a 40-year-old married male with no driving violations or at-fault accidents for the prior three years. Comprehensive and collision deductibles are $500, UM/UIM and medical payments coverages are included, and rates are averaged for all U.S. states.

As visualized above, average Mazda rates are not only cheaper than Honda, Toyota, and Nissan, but are also 0.5% more expensive per year than Subaru, another Japanese automaker.

When compared to the two South Korean automakers, Hyundai and Kia, Mazda insurance rates are 3.2% cheaper than Hyundai and 0.8% cheaper per year than Kia.

How does Mazda compare to U.S. automakers like Ford and Chevrolet? The table below adds in not only non-luxury U.S. brands like those two, but also includes a lot of luxury brands like BMW, Lexus, and Mercedes-Benz.

The last column in the table shows the insurance cost difference between each brand and Mazda. If the value is red, Mazda is cheaper. If the value is green, Mazda is more expensive.

Mazda Car Insurance Cost vs. Popular Automotive Brands
Automotive Brand Insurance Cost Difference
Mazda$2,240--
Acura$2,202-$38
Audi$3,025$785
BMW$3,070$830
Cadillac$2,518$278
Chevrolet$2,370$130
Ford$2,441$201
Genesis$2,798$558
GMC$2,435$195
Honda$2,123-$117
Hyundai$2,314$74
Infiniti$2,456$216
Jaguar$2,883$643
Jeep$2,558$318
Kia$2,259$19
Land Rover$3,065$825
Lexus$2,601$361
Lincoln$2,587$347
Mercedes-Benz$3,386$1,146
Mitsubishi$2,273$33
Nissan$2,424$184
Subaru$2,229-$11
Tesla$2,839$599
Toyota$2,400$160
Volkswagen$2,187-$53
Volvo$2,620$380

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Insurance cost is averaged for all models for the 2024 model year for each automobile manufacturer. Updated June 26, 2025

Average cost of Mazda insurance ($2,240 per year) compared to other automotive manufacturers
Average cost of Mazda insurance ($2,240 per year) compared to other automotive manufacturers

It should be pretty obvious by all the red values in the Difference column that Mazda has really good average car insurance rates. It beats every luxury brand hands down, as well as every U.S. automaker. The only brands that even come close to the average cost of insuring a Mazda are Honda, Subaru, and Volkwagen.

What is the cheapest Mazda to insure?

For the 2024 model year, the cheapest Mazda insurance can be found on the Mazda CX-5, which is a small SUV costing $1,910 per year to insure, or around $159 per month. That model has a MSRP ranging from $29,300 to $40,600.

In second place for 2024, the Mazda CX-30 costs an average of $2,114 per year to insure. The sticker price on a Mazda CX-30 ranges from $26,500 to $36,800.

The list below ranks the top five cheapest Mazdas to insure for the 2024 model year, also including the Mazda MX-5 Miata, Mazda MX-30, and Mazda CX-9.

Top five cheapest Mazdas to insure in 2024

  1. Mazda CX-5 – A small SUV costing $1,910 per year or $159 per month
  2. Mazda CX-30 – A small SUV costing $2,114 per year or $176 per month
  3. Mazda MX-5 Miata – A sports car costing $2,166 per year or $181 per month
  4. Mazda MX-30 – A small SUV costing $2,172 per year or $181 per month
  5. Mazda CX-9 – A midsize SUV costing $2,286 per year or $191 per month