Auto Insurance for Mazdas – Bankrate.com

Most US states require a minimum amount of insurance for drivers to legally operate their vehicle. The insurance is intended to protect the driver financially if he is involved in an accident with personal injury or property damage. The average cost of auto insurance in the US is $ 1,674 per year for full coverage based on Quadrant Information Services' 2021 annual rates.

However, exact prices vary depending on the driver, household, and vehicle make and model. Sportier or more expensive vehicles naturally cost more insurance costs, while economy vehicles or special safety equipment help reduce the risk for insurers and lead to lower premiums. Take these factors into account when purchasing auto insurance deals.

For Mazda owners, we compared car insurance rates for four 2019 Mazda models for the same driver profile to show the premium difference:

  • Mazda 3
  • Mazda CX-3
  • Mazda CX-5
  • Mazda MX-5

Auto insurance for Mazdas: by model

To find the best cheap car insurance rates for the four Mazda models, we compared the rates with the top five auto insurance companies that were rated in our 2021 study. For fully comprehensive insurance, we have found the cheapest annual average tariff for the Mazda CX-3, while the Mazda 3 is the most expensive. Compared to the national average, however, all of these models are cheaper.

Mazda car insurance Average annual fully comprehensive premium
Mazda 3 $ 1,668
Mazda CX-3 $ 1,483
Mazda CX-5 $ 1,522
Mazda MX-5 $ 1,588

Cheapest car insurance for Mazda 3

The Mazda 3 sedan starts at $ 20,650 and comes in five optional trim packages. Mazda's i-Activ AWD is standard on all Mazda 3 models. The i-Activsense safety functions include the traffic jam assistant, front and rear sensors for parking and intelligent braking, which are standard from the Premium Plus package.

Average annual minimum coverage rates vary from $ 334 to $ 456, with USAA, Geico, and Amica offering the cheapest rates based on Quadrant data. For full coverage, our study shows that average annual prices are cheapest at USAA, Amica, and State Farm, with prices ranging from $ 1,135 to $ 1,376 per year. Fully comprehensive insurance includes fully comprehensive and collision insurance, which is used to financially protect your own vehicle from damage and is often required when financing your vehicle.

Car insurance Average annual premium for minimum coverage Average annual premium for fully comprehensive insurance
USAA $ 334 $ 1,135
Geico $ 363 $ 1,376
District farm $ 456 $ 1,324
Erie $ 430 $ 1,346
Amica $ 367 $ 1,315

Cheapest car insurance for Mazda CX-3

The Mazda CX-3 Sport is a subcompact crossover SUV that starts at $ 20,790. This model is also equipped with all-wheel drive as standard and is a 2021 IIHS Top Safety Pick + with automatic emergency brake detection and lane departure warning.

Minimum coverage auto insurance rates range from $ 329 to $ 450, with top carriers USAA, Geico, and Amica having the cheapest rates per year. Geico, USAA, and Amica have the best average annual rates for full coverage, ranging from $ 1,032 to $ 1,365.

Car insurance Average annual premium for minimum coverage Average annual premium for fully comprehensive insurance
USAA $ 329 $ 1,055
Geico $ 338 $ 1,032
District farm $ 450 $ 1,302
Erie $ 430 $ 1,365
Amica $ 379 $ 1,235

Cheapest car insurance for Mazda CX-5

Starting at $ 25,370, the Mazda CX-5 crossover SUV offers a luxury experience without breaking the bank. Heated leather seats front and rear, wood paneling and a 10.25-inch infotainment system come as standard. Choose from seven different equipment models with an optional turbo engine for more speed and agility on the road. While these features can add to a more luxurious feel, insurance rates average on the high end of affordability, which may be because SUVs are safer in head-on collisions compared to other types of vehicles.

USAA, Geico, and Erie offer the cheapest average annual rates for minimum insurance in our study, with prices ranging from $ 347 to $ 379 per year. For full coverage, the verified rates were lowest at USAA, Geico, and Amica, ranging from $ 1,083 to $ 1,383 per year.

Car insurance Average annual premium for minimum coverage Average annual premium for fully comprehensive insurance
USAA $ 347 $ 1,083
Geico $ 370 $ 1,091
District farm $ 438 $ 1,383
Erie $ 373 $ 1,312
Amica $ 379 $ 1,241

Cheapest car insurance for Mazda MX-5

The Mazda MX-5 Miata Convertible Roadster is Mazda's version of a sports car starting at $ 26,830. The MX-5 is designed with an almost perfect weight distribution of 50/50 for better handling at high speeds. This model is available in two upgradeable equipment packages, with Smart City Brake Support, lane departure warning and adaptive headlights as standard in the basic model.

For minimum coverage, the average rates per year at USAA, Geico, and Erie are cheapest, ranging from $ 266 to $ 413. Average annual rates for full coverage are best with Amica, USAA, and Geico, starting at $ 1,199 to $ 1,469.

Car insurance Average annual premium for minimum coverage Average annual premium for fully comprehensive insurance
USAA $ 266 $ 1,239
Geico $ 355 $ 1,289
District farm $ 413 $ 1,402
Erie $ 375 $ 1,469
Amica $ 379 $ 1,199

Other car insurance coverage for Mazdas

Although most states only require minimum liability insurance, many insurance professionals recommend getting as much liability insurance as you can afford to better protect you financially in the event of costly damage.

If you finance or lease your Mazda, you may need to get fully comprehensive insurance. Even if you're not financing your new Mazda, consider this additional coverage when seeking quotes or switching carriers. Comprehensive and collision protects damage to your Mazda:

  • collision: This coverage pays to repair or replace your Mazda if you are involved in a collision and it is damaged.
  • Full: Also known as other than collision insurance, it provides comprehensive coverage for damage not covered by collision insurance. These include weather events, animal beatings, broken windows and windshields, theft and vandalism.
  • Gap insurance: This coverage pays the difference between your payout on the book value of your Mazda and your outstanding loan or lease amount when the Mazda is totaled as part of a receivable and the book value is less than your debt.
  • OEM parts: Some insurance companies offer this optional coverage, which provides OEM Mazda parts instead of aftermarket parts, if your Mazda is damaged due to an insured claim.
  • Reimbursement of the rental car: This optional insurance coverage is a good idea if you don't have access to another car to drive while your Mazda is being repaired after a damage event.

methodology

Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and airlines in all 50 states and Washington, DC Coverage Limits:

  • $ 100,000 personal injury liability per person
  • $ 300,000 liability per accident
  • $ 50,000 property damage liability per accident
  • $ 100,000 personal injury from an uninsured motorist per person
  • $ 300,000 personal injury to an uninsured driver per accident
  • $ 500 deductible in case of collision
  • $ 500 deductible

To set the minimum coverage limits, Bankrate has used minimum coverage that meets the requirements of each state. Our drivers with a basic profile own a 2019 Mazda of the following models, commute five days a week and drive 12,000 miles a year:

  • Mazda 3
  • Mazda CX-3
  • Mazda CX-5
  • Mazda MX-5

These are sample rates and should only be used for comparison purposes.

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