Cheap Mazda Auto Insurance in 2024 (Best 10 Companies for Savings!)

Erie, Safeco, and State Farm are our top picks for cheap Mazda auto insurance. Consumer data indicates that Mazdas last a very long time, able to travel between 200,000 and 300,000 miles with proper maintenance before experiencing major issues. But are Mazdas cheap to insure?

Mazda auto insurance costs $135 on average, though there are various factors that affect auto insurance rates, like company, model, and driving characteristics.

Our Top 10 Company Picks: Cheap Mazda Auto Insurance

Keep reading to find the best insurance companies for Mazda vehicles and secure affordable Mazda auto insurance quotes. Use our free comparison tool above to see what auto insurance quotes look like in your area.

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#1 – Erie: Top Overall Pick

Pros

• Auto Plus Package: Affordable to add to your policy, allows numerous perks. Learn more with our Erie auto insurance review.
• Strong Credit Rating: Erie has an A+ from A.M. Best which is the mark of a financially reliable company.
• Bundling Discounts: You can bundle your auto insurance with home, life, or renter’s insurance.

Cons

• Low Availability: Erie insurance is not offered in all 50 states.
• Customer Complaints: Erie has numerous negative reviews from unsatisfied customers.

#2 – Safeco: Cheapest for Custom Policies

Pros

• Accident Forgiveness: Prevents your rates from increasing immediately.
• RightTrack Program: Provides a discount based on driver performance.
• Customizable Coverage: Wide range of auto insurance options. Learn more with our Safeco auto insurance review.

Cons

• Limited Purchase Options: Insurance offered only through an independent insurance agent.
• Young Drivers Pay More: 18-year-old drivers will see higher than average auto insurance rates.

#3 – State Farm: Cheapest for Monitoring Program

Pros

• Customer Satisfaction: State Farm has a low number of negative reviews from drivers.
• Ease of Use: State Farm has an app for drivers to keep track of policies Learn more with our State Farm auto insurance review.
• Drive Safe and Save: Offers discounts with the average savings being around 30% on auto insurance.

Cons

• Possibility of Dropped Coverage: State Farm may drop you if you have too many claims.
• Unforgiving Rates: Drivers with poor credit will pay much more than someone with good credit.

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#4 – Travelers: Cheapest Specialty Auto Insurance

Pros

• Availability of Coverage: You can purchase Travelers insurance in all 50 states and Washington D.C..
• Exemplary Claim Handling: Travelers has a high rating for claim payouts. Learn more with our Travelers auto insurance review.
• Additional Coverage Options: Travelers offers rideshare, non-owner, and rental auto insurance options.

Cons

• IntelliDrive Program: Travelers program that can raise a driver’s rates if they don’t drive safely.
• Poor claim Handling: Drivers have complained about the claim process with Travelers.

#5 – Progressive: Cheapest for High Risk Drivers

Pros

• Snapshot Program: Offers drivers the chance to save money based on driving habits.
• Affordable High-Risk Rates: Drivers with tickets will still find affordable coverage.
• Strong Financial Stability: Progressive consistently remains above average when it comes to finances.
• Progressive App: Drivers can make payments and keep a digital copy of insurance cards via the app. Learn more with our Progressive auto insurance review.

Cons

• High Rates for Teens: Young drivers will pay more than the national average for auto insurance.
• Poor Customer Service: Progressive has low customer satisfaction ratings.

#6 – Nationwide: Cheapest for Discounted Policies

Pros

• Nationwide SmartRide: Monitors driving habits and provides a discount based on those habits.
• Affordable Full Coverage: Cheaper full coverage auto insurance than some other companies. Learn more with our Nationwide auto insurance review.
• Customer Satisfaction: Excellent customer service and claim handling.

Cons

• Expensive Policies: Optional coverage choices are more expensive than competitors.
• High Premiums: Drivers with a DUI or an accident on record will see much higher rates.

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#7 – American Family: Cheapest for Teen Drivers

Pros

• High Financial Rating: American Family has an A with both A.M. Best and The BBB.
• GAP Coverage: Helps to pay the remaining balance on a totaled new car. Learn more with our American Family auto insurance review.
• Teen Drivers Have Low Rates: Teen drivers pay around 20% less than the national average.
• KnowYourDrive Program: Usage-based app that allows safe drivers to save money.

Cons

• Limited Availability: American Family auto insurance is only available in certain states.
• Increased Rates After an Accident: Increases up to 20% on a policy after a traffic accident.

#8 – Farmers: Cheapest for Good Drivers

Pros

• Uninsured Motorist Coverage: Protects you against drivers without insurance.
• Farmers Signal: Signing up provides an immediate 5% discount. Learn more with our Farmers auto insurance review.
• SR-22 Insurance: Not offered by every auto insurance company.

Cons

• Young Drivers Pay More: Rates for teen drivers are higher than average.
• Expensive Minimum Coverage: A minimum auto insurance policy is higher than national average.

#9 – Allstate: Cheapest for Low Risk Drivers

Pros

• Allstate Claim Satisfaction Guarantee: Low settlements can see a payout from Allstate.
• Insurance Bundling: Allstate also offers life, renter, and homeowner insurance. Learn more with our Allstate auto insurance review.
• Discounts for Vehicles: Discounts for safety features and other vehicle-based factors.

Cons

• High Rates for Seniors: Drivers over the age of 55 will pay more per month than with other companies.
• Expensive High-Risk Auto Insurance: Higher insurance cost for high-risk drivers.

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#10 – Liberty Mutual: Cheapest for New Cars

Pros

• RightTrack Program: Liberty Mutual’s discount program that also offers driving feedback.
• New Car Replacement: Provides a new car if the totaled car was less than a year old. Learn more with our Liberty Mutual auto insurance review.
• Lifetime Replacement Guarantee: Provided with any repairs done at a Liberty Mutual approved shop.
• Multi-Policy Discount: If you bundle more than one type of insurance, you can save money.

Cons

• Poor Claim Handling: Drivers report low satisfaction with having claims completed.
• High Full Coverage Rate: Drivers will pay more than the national average.

Mazda Auto Insurance Rates by Model

Mazda car insurance rates are $135 monthly on average for full coverage auto insurance, but cost varies based on factors like age and driving history. In addition, you’ll get cheap Mazda insurance rates if you carry a liability-only policy. Most states require a minimum amount of liability auto insurance to drive legally, and some drivers see the best Mazda auto insurance savings by carrying the bare minimum.

Your Mazda car insurance rates also depend on your Mazda model, making it important to compare auto insurance rates by vehicle make and model. The difference in price comes from the age of the vehicle, the style or trim type, and how expensive it was to manufacture.

For example, auto insurance for the Mazda Miata MX-5, a sports car convertible, costs around $117 monthly, making it one of the least expensive models to insure. The most expensive is the Mazda CX-9, the hatchback sedan, which costs $144 monthly.

Rates for a driver with a sedan-style Mazda will be different for someone with an SUV. So if you own two different Mazda models and insure them on the same policy, your car insurance rates will change based on the style of the vehicles.

For example, Mazda CX-30 insurance will differ from insurance for Mazda 3 models. Use this table to compare Mazda insurance rates across models:

Mazda Auto Insurance: Full Coverage Monthly Rates by Model

An important thing to consider when looking at the monthly cost of Mazda auto insurance coverage is how much you’ve spent on your vehicle. In this case, the Mazda CX-9 SUV costs $144 to insure monthly, while the manufacturer suggested retail price is around $40,000.

Insurance companies also consider your age, driving history, and model to set Mazda auto insurance rates. When it comes to age, teenage and senior drivers see the highest rates, with young adults and middle-aged drivers seeing the cheapest Mazda auto insurance quotes.

A clean driving record can often lower your rates. Learn more about how auto insurance companies check driving records.

Auto Insurance Rates for the Mazda 3

Getting a Mazda 3 insurance quote is going to depend on which model you own. There are differences between the Mazda 3 sedan and the Mazda 3 hatchback model auto insurance rates. We’ll take a look at both.

Mazda 3 insurance rates are $140 monthly for the sedan style, but the hatchback will cost more to insure out of all the Mazda models. Read more about how to find affordable Mazda 3 auto insurance.

Mazda 3 insurance costs will also vary depending on the year of your vehicle as well. For example, 2016 Mazda 3 insurance costs will be lower each month for the average driver than a brand-new model.

Auto Insurance Cost for a Mazda CX-5

The average auto insurance cost for a Mazda CX-5 is about $138 each month, making it one of the more affordable models to insure. However when it comes to Mazda CX-5 insurance rates, what you pay will also depend on the age of the vehicle.

For example, a 2016 Mazda CX-5 insurance cost will be much lower than a 2022 model. So compare rates from multiple companies before you buy a Mazda CX-5 auto insurance policy.

Auto Insurance Rates for the Mazda CX-30

Mazda CX-30 car insurance is the cheapest, and the model has the most affordable manufacturer-suggested retail price.

When it comes to Mazda CX-30 insurance costs, newer models will be more expensive to insure than one built in 2016 or older, so compare rates from multiple companies. Sometimes there isn’t much difference in rates, but every dollar helps.

Auto Insurance Rates for the Mazda CX-9

Mazda CX-9 auto insurance is the most expensive SUV range of Mazda models. The average cost of insuring the CX-9 is around $144 monthly. However, you can find the best Mazda car insurance savings by driving an older model and maintaining a clean driving record.

Auto Insurance Rates for the Mazda MX-5 Miata

While convertibles tend to have higher auto insurance rates, the Mazda MX-5 Miata’s affordability helps it maintain some of the cheapest Mazda auto insurance rates.

Averaging $117 monthly for the most recent model, drivers save over $600 a year on car insurance by driving a Miata. Find the best auto insurance for a Mazda MX-5 Miata.

Auto Insurance Rates for the Mazda MX-30

Introduced in 2020, this subcompact crossover SUV comes in several variations, including all-electric or hybrid. These unique factors lead to more expensive Mazda insurance quotes. Read our guide on auto insurance for hybrid vehicles to find the best Mazda auto insurance savings for your MX-30.

Auto Insurance Rates for Discontinued Mazda Models

The CX-3 and the Mazda 6 are no longer in production, but that doesn’t mean owners and prospective buyers should give up on finding affordable Mazda 6 insurance or coverage for the CX-3.

The Mazda CX-3 was among the cheapest models to insure until its discontinuation in 2022, with an average monthly price of $134. The Mazda 6, until its discontinuation in 2022, would cost around $138 monthly for auto insurance. You will still be able to find Mazda CX-3 auto insurance, but the prices will have changed since that model is no longer being made. It will also be the same for Mazda 6 insurance costs, which will be different since it’s no longer in production.

Comparative Analysis: Toyota vs. Mazda Auto Insurance Rates

Comparing insurance rates for Toyota and Mazda vehicles is essential for finding the best coverage at the right price. Start comparing rates now to make an informed decision.

Mazda Auto Insurance Cost Comparison

Explore the differences in auto insurance rates for various Mazda models to make informed decisions about coverage.

The Best Auto Insurance Companies for Mazda Vehicles

Many drivers find that State Farm is the best auto insurance company for Mazda vehicles. While prices vary based on the age of the vehicle and driver, State Farm auto insurance offers affordable Mazda auto insurance rates compared to other top companies.

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Allstate and Progressive are two of the more expensive insurers to consider for Mazda models. On the other hand, Nationwide auto insurance and Geico auto insurance are among the more affordable options.

Compare auto insurance quotes from these and other local companies in your area to find the one with the best Mazda auto insurance rates. Compare Nationwide vs. Progressive auto insurance to get started.

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The Bottom Line: Mazda Auto Insurance

A Mazda is not expensive to insure overall, but it’s not cheap either. Mazdas are in the middle between higher-end luxury cars and their immediate competitors in the reliable and compact midsize sedan and crossover SUV market.

Considering their high resell and trade-in value, it makes sense to protect your Mazda as both a car and a sound investment. Having insurance on a Mazda is going to be more affordable than if you’re in an accident without auto insurance to protect you financially. 

If you’re looking for a Mazda model but trying to keep your auto insurance rates as low as possible, search for an older year. If you’re already a Mazda owner, talk to your insurance company about any potential discounts or other ways to save money to lower your Mazda auto insurance rates. Enter your ZIP code into our free quote tool below to find the best auto insurance providers for your needs and budget.

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