Mazda Car Insurance Cost (2026)

At $162 per month for full coverage and $84 per month for minimum coverage, Mazda ranks 14th of 59 makes, which is well inside the cheapest quarter of all brands sold in the U.S. That low baseline gives drivers room to buy higher limits without a steep cost jump. Check how much car insurance you need before choosing a coverage level.

Two things keep Mazda's rates low. The lineup runs on the Skyactiv platform with conventional steel construction, keeping repair costs down. Mazda also has one of the stronger reliability records in the mainstream market, which translates directly to lower mechanical claim frequency. Insurers price that in. Drivers shopping for cheapest full coverage car insurance will find Mazda competitive by default.

Mazda's 14th-of-59 ranking puts it in the cheapest quarter of all makes. Buick is just above at $122 per month (13th) and Scion and Nissan follow at $127 per month (tied 15th). The $162 per month full coverage average is well below the national average. Even the priciest models in the lineup (the CX-50 at $197 per month and the CX-30 at $194 per month) sit only $32 to $35 above the brand average.

Skyactiv's conventional steel construction (no carbon fiber, no exotic materials) keeps Mazda repair costs at the low end of the segment. Mazda's reliability rankings are consistently strong, which cuts mechanical claim frequency and gets priced into base rates by insurers. Start with the best car insurance companies to compare price and service for your Mazda.

GEICO covers a Mazda for $122 per month in full coverage. Travelers comes in second at $135 per month. AIG charges $312 per month for the same vehicle, a $190 per month gap versus GEICO. No other single decision a Mazda owner makes about insurance moves the number as much as insurer selection does. Our guide to the cheapest car insurance companies provides a full ranking.

AIG's $312 per month is the highest rate on the list, but it still lands below the national average for many other brands, a sign of how affordable Mazda is across the board. National General ($141 per month), Progressive ($154 per month) and Nationwide ($165 per month) cluster at the lower end. The Hartford ($167 per month) and State Farm ($170 per month) sit in the middle. Amica ($221 per month), Farmers ($222 per month), Chubb ($231 per month) and AIG ($312 per month) occupy the top of the range and are hard to justify for most Mazda owners.

Full coverage runs $135 per month for the Tribute and $197 per month for the CX-50, which is a $62 per month spread across the entire lineup. Few brands match that consistency. The CX-5 averages $177 per month and the Mazda3 averages $162 per month.

The Tribute averages $135 per month for full coverage, the lowest in the Mazda lineup. Available years run 2001 to 2011. The 2001 is the cheapest year at $91 per month and the 2010 is the most expensive at $148 per month.

Platform-sharing with the Ford Escape keeps market values and replacement costs low across all years. The 2001 to 2005 range is the best value for buyers focused on minimizing insurance costs.

The MX-5 Miata averages $137 per month for full coverage and ranks first among 115 sports cars in MoneyGeek's analysis, making it cheaper to insure than any other sports car in the U.S. market. Its lightweight roadster design and modest power output put it in a lower actuarial risk category than performance-oriented sports cars. The 2021 is the cheapest year at $101 per month and the 2025 is the most expensive at $152 per month. See cheapest car insurance for sports cars for a full comparison.

The CX-7 averages $141 per month for full coverage across six years (2007 to 2012). The 2010 is the cheapest at $118 per month and the 2009 is the most expensive at $164 per month.

The CX-7 was discontinued in 2012, and the 2010 dip below 2009 rates reflects market values stabilizing as the model aged into its final production years. All available years are older vehicles, so replacement costs don't change much.

The B-Series averages $143 per month for full coverage across 10 years (2000 to 2009). Rates span just $139 to $148 per month across the entire run, the most stable range of any Mazda model. Low, consistent market values keep costs predictable year over year.

The RX-8 averages $150 per month for full coverage across eight years. The 2008 is the cheapest at $124 per month. The 2007 is the most expensive at $181 per month and is a clear outlier above all surrounding years.

The RX-8's rotary engine requires specialist expertise to rebuild, which pushes repair costs above those of conventional sports cars at similar price points and likely drives the year-specific rate variation.

The Mazda 5 averages $160 per month for full coverage across nine years. The 2012 is the cheapest at $130 per month and the 2015 is the most expensive at $192 per month.

The 2015 rate reflects the last-production-year pattern: as used supply decreases, replacement costs rise. The 2012 to 2013 range is the best insurance value for buyers targeting this model.

The Mazda 2 has four model years (2011 to 2014). Full coverage runs $143 per month for the 2013 and $186 per month for the 2014. The 2014 spike is consistent with short-production-run vehicles: later years carry higher insurer valuations as supply tightens. The 2013 ($143 per month) and 2011 ($151 per month) are the best insurance values in the lineup.

The Mazda 3 averages $162 per month for full coverage across 22 model years. The 2021 is the cheapest at $140 per month and the 2025 is the most expensive at $211 per month. Pre-2020 years hold steady at $140 to $175 per month.

The 2025's $211 per month rate reflects higher replacement costs on the current-generation model. Our guide to Mazda3 insurance provides a model-specific insurer breakdown.

The MX-30 is Mazda's first battery-electric vehicle, with one year of data (2022) at $168 per month for full coverage. No year-to-year trend exists yet, so re-quote annually as claims data builds. The is sits near the brand midpoint, so it's about right for a first-generation EV with limited actuarial history.

The Mazda 6 averages $169 per month for full coverage across 19 model years. The 2017 is the cheapest at $140 per month and the 2021 is the most expensive at $198 per month.

Rates hold steady across most years, making the 6 one of the easier Mazda models to budget for. Discontinued after 2021, its stable rate profile reflects a mature model with well-established claims data.

The CX-3 averages $171 per month for full coverage across six years. The 2019 is the cheapest at $142 per month. The 2018 is an outlier at $209 per month, sitting $24 to $67 per month above every other year in the lineup.

Quote the 2018 specifically before buying because its rate is inconsistent with adjacent model years and could cost much more than expected.

The CX-5 averages $177 per month for full coverage across 13 years. The 2021 is the cheapest at $136 per month. The 2017 ($246 per month) and 2018 ($251 per month) are large outliers, sitting $70 to $115 per month above every other year in the lineup. Avoid both and focus on 2019 to 2023 ($149 to $186 per month). Our guide to Mazda CX-5 insurance shows a model-specific insurer breakdown.

The CX-9 averages $179 per month for full coverage across 17 years. The 2022 is the cheapest at $136 per month. The 2017 ($237 per month) and 2018 ($272 per month) repeat the same outlier pattern seen in the CX-5. Buyers targeting a used CX-9 should skip both years and focus on 2019 to 2023.

The CX-70 has one year of data (2025) at $184 per month for full coverage. Rates will shift as claims data builds. The figure sits between the CX-5 and CX-90, consistent with where the CX-70 sits in Mazda's SUV lineup.

The CX-90 averages $185 per month for full coverage across two years. The 2024 runs $186 per month and the 2025 runs $184 per month, which is a slight decline that points to claims data stabilizing in the model's second year.

As Mazda's flagship three-row SUV, the rate reflects a higher replacement cost, though it stays well below European three-row SUV competitors on price.

The CX-30 averages $194 per month for full coverage across six years. The 2020 is the cheapest at $173 per month. The 2022 is the most expensive at $217 per month and stands out against both the 2021 ($202 per month) and 2023 ($160 per month) , so skip it if you're buying used and focused on insurance cost.

The CX-50 is the most expensive current Mazda to insure at $197 per month average. The 2023 is $180 per month and the 2025 is $208 per month.

Rates are climbing year over year, consistent with rising replacement costs as the model moves away from its 2023 launch price.