Mazda Insurance Cost
Across 7 current Mazda models, full coverage averages about $1,401 a year by our estimate — −12% versus the average vehicle ($1,590).
Mazda insurance profile
Mazda’s lineup is made up mostly of 3 small suvs, 2 midsize suvs, and 1 compact car. HLDI collision losses for its models average 87 (100 = all-vehicle average).
Every Mazda model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| CX-50 | Small SUV | 2023–2026 | 69 | $1,220 | −23% |
| MX-5 Miata | Sports car | 2005–2026 | 83 | $1,280 | −19% |
| CX-5 | Small SUV | 2013–2026 | 80 | $1,325 | −17% |
| CX-30 | Small SUV | 2020–2026 | 76 | $1,405 | −12% |
| CX-90 | Midsize SUV | 2024–2026 | 112 | $1,465 | −8% |
| CX-70 | Midsize SUV | 2025–2026 | — | $1,480 | −7% |
| Mazda3 | Compact car | 2005–2026 | 104 | $1,630 | +3% |
Older and discontinued Mazda models
What makes Mazda insurance cost more or less
- Claims history: HLDI collision indices across 6 models range from 69 to 112, so the model you pick matters as much as the brand.
- Segment mix: 3 small suv, 2 midsize suv, 1 compact car, 1 sports car.
Average Mazda insurance cost by state
Average full-coverage estimate across current Mazda models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Maine | $909 | −35% |
| North Dakota | $916 | −35% |
| Vermont | $929 | −34% |
| Idaho | $969 | −31% |
| Iowa | $969 | −31% |
| Wisconsin | $977 | −30% |
| Hawaii | $986 | −30% |
| Indiana | $1,014 | −28% |
| New Hampshire | $1,016 | −27% |
| Ohio | $1,021 | −27% |
| North Carolina | $1,065 | −24% |
| South Dakota | $1,091 | −22% |
| Wyoming | $1,115 | −20% |
| Montana | $1,139 | −19% |
| Kansas | $1,142 | −18% |
| Nebraska | $1,142 | −18% |
| Tennessee | $1,186 | −15% |
| Minnesota | $1,192 | −15% |
| West Virginia | $1,192 | −15% |
| Kentucky | $1,201 | −14% |
| Virginia | $1,228 | −12% |
| Illinois | $1,238 | −12% |
| Washington | $1,242 | −11% |
| Alabama | $1,244 | −11% |
| Pennsylvania | $1,246 | −11% |
| Alaska | $1,251 | −11% |
| Arkansas | $1,259 | −10% |
| New Mexico | $1,281 | −9% |
| Oregon | $1,281 | −9% |
| Oklahoma | $1,286 | −8% |
| Utah | $1,294 | −8% |
| Missouri | $1,296 | −7% |
| Mississippi | $1,364 | −3% |
| California | $1,401 | 0% |
| Massachusetts | $1,404 | 0% |
| Arizona | $1,496 | +7% |
| Connecticut | $1,517 | +8% |
| South Carolina | $1,525 | +9% |
| Michigan | $1,556 | +11% |
| Delaware | $1,592 | +14% |
| Maryland | $1,602 | +14% |
| Colorado | $1,620 | +16% |
| Nevada | $1,636 | +17% |
| Texas | $1,691 | +21% |
| New Jersey | $1,718 | +23% |
| Rhode Island | $1,723 | +23% |
| Georgia | $1,766 | +26% |
| District of Columbia | $1,800 | +29% |
| New York | $1,914 | +37% |
| Louisiana | $1,974 | +41% |
| Florida | $2,036 | +45% |
Frequently asked questions
How much does it cost to insure a Mazda?
Across 7 current Mazda models, our full-coverage estimate averages $1,401 a year for a driver in their 30s with a clean record, 12% less than the average vehicle ($1,590).
What is the cheapest Mazda to insure?
The Mazda CX-50 has the lowest estimate at about $1,220 a year for full coverage; the Mazda Mazda3 is the most expensive at about $1,630.
Are Mazda repairs expensive for insurers?
HLDI collision-loss data for 6 Mazda models averages 87 (100 = average of all vehicles), which is better than average. Collision losses combine how often claims happen and how much repairs cost.
Where is it cheapest to insure a Mazda?
By our estimates, Maine is the cheapest state (about $909 a year on average across current models) and Florida the most expensive (about $2,036).
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.