Best Mazda Car Insurance Rates in 2024 (Top 10 Companies Ranked)

The top pick overall for the best Mazda car insurance rates is Travelers, with Progressive and Allstate also offering competitive rates starting at $99 per month. This article reviews the cheapest providers and analyzes rates based on Mazda models.

Discover how State Farm and Nationwide can provide affordable options, while understanding why Geico and Progressive might be pricier. Learn how your model affects Mazda insurance cost and compare rates to find the best deal. Whether you drive a Mazda3, CX-5, or MX-5 Miata, we help you find the best coverage at the lowest rates.

Read on to explore comprehensive coverage options and save on your Mazda insurance today. Get the right car insurance at the best price — enter your ZIP code above to shop for coverage from the top insurers.

#1 – Travelers: Top Overall Pick

Pros

• Specialized Coverage: Travelers offers tailored insurance options specifically for Mazda vehicles.
• High Good-Driver Discount: Travelers provides up to 18% discount for good drivers.
• Excellent Financial Strength: According to our Travelers car insurance review, Travelers boast an A++ rating from A.M. Best ensures reliability.
• Competitive Rates: Starting at $99 per month, Travelers offers some of the best rates.
• Extensive Coverage Options: Comprehensive coverage options for all Mazda models.

Cons

• Limited Availability: Coverage options might not be available in all regions.
• Complex Pricing Structure: Some customers find the pricing and discounts structure complicated.

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#2 – Progressive: Best for Usage-Based Insurance

Pros

• Usage-Based Insurance: Progressive offers usage-based insurance programs like Snapshot.
• High Good-Driver Discount: Up to 20% discount for safe drivers.
• Customizable Policies: Flexible coverage options tailored to individual needs.
• Strong Financial Rating: Our analysis of Progressive car insurance review reveals Progressive is known for an A+ rating from A.M. Best.
• Affordable Rates: Competitive pricing for Mazda car insurance.

Cons

• Higher Rates for High Mileage: Usage-based insurance can result in higher costs for frequent drivers.
• Customer Service: Some customers report less satisfactory customer service experiences.

#3 – Allstate: Best for Multi-Policies

Pros

• Multi-Policy Discounts: Significant savings when bundling car insurance with other policies.
• Good-Driver Discount: Up to 17% discount for maintaining a clean driving record.
• Extensive Agent Network: Wide network of local agents for personalized service.
• Strong Financial Stability: Our review of Allstate car insurance review indicates Allstate excel with an A+ rating from A.M. Best.
• Comprehensive Coverage: Wide range of coverage options for Mazda vehicles.

Cons

• Premium Costs: Higher premiums compared to some competitors.
• Limited Discounts: Fewer discount options available beyond multi-policy and good-driver discounts.

#4 – USAA: Best for Military Savings

Pros

• Military Discounts: Exclusive discounts for military members and veterans.
• High Good-Driver Discount: Up to 15% discount for good drivers.
• Superior Financial Strength: A++ rating from A.M. Best ensures reliability.
• Excellent Customer Service: The findings from our USAA car insurance review demonstrates USAA shows highly rated customer service and support.
• Competitive Rates: Affordable rates for Mazda car insurance.

Cons

• Eligibility Restrictions: Only available to military members, veterans, and their families.
• Limited Local Agents: Fewer local agents compared to other providers.

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#5 – Farmers: Best for Safe Drivers

Pros

• Safe Driver Discounts: Up to 14% discount for maintaining a clean driving record.
• Strong Financial Rating: A rating from A.M. Best.
• Personalized Coverage: Tailored insurance options for safe drivers.
• Comprehensive Policies: Wide range of coverage options for Mazda vehicles.
• Reliable Customer Support: Our examination of Farmers car insurance review highlight Farmers’ good customer service and claims handling.

Cons

• Higher Premiums: Premiums can be higher for drivers with less-than-perfect records.
• Fewer Discounts: Limited discount options beyond safe driver incentives.

#6 – AAA: Best for Roadside Assistance

Pros

• Roadside Assistance: The results of our AAA car insurance review suggests AAA has exceptional roadside assistance services included with policies.
• Good-Driver Discount: Up to 18% discount for maintaining a clean driving record.
• Strong Financial Stability: A rating from A.M. Best.
• Wide Coverage Options: Comprehensive insurance coverage for Mazda vehicles.
• Member Benefits: Additional perks and discounts for AAA members.

Cons

• Membership Requirement: Must be a AAA member to access insurance benefits.
• Pricing: Higher premiums compared to some competitors.

#7 – Geico: Best for Cheap Rates

Pros

• Affordable Rates: Competitive pricing for Mazda car insurance.
• Good-Driver Discount: Up to 16% discount for maintaining a clean driving record.
• Excellent Financial Strength: A++ rating from A.M. Best.
• Easy Online Access: Our assessment of Geico car insurance review illustrates Geico excel in their user-friendly online tools for policy management.
• Extensive Coverage: Comprehensive coverage options for Mazda vehicles.

Cons

• Limited Agent Network: Fewer local agents for personalized service.
• Customer Service: Mixed reviews on customer service experiences.

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#8 – State Farm: Best for Personalized Service

Pros

• Personalized Service: Wide network of local agents providing tailored service.
• Good-Driver Discount: Up to 16% discount for maintaining a clean driving record.
• Customizable Coverage: Flexible insurance options to meet individual needs.
• Financial Stability: B rating from A.M. Best.
• Reliable Claims Handling: Based on our State Farm car insurance review, State Farm boast efficient claims process.

Cons

• Lower Financial Rating: B rating may concern some customers.
• Higher Premiums: Premiums can be relatively higher compared to other providers.

#9 – Liberty Mutual: Best for 24/7 Support

Pros

• 24/7 Support: Round-the-clock customer service and claims assistance.
• Good-Driver Discount: Up to 18% discount for maintaining a clean driving record. Check out more Liberty Mutual car insurance discounts for more savings.
• Strong Financial Stability: A rating from A.M. Best.
• Customizable Policies: Flexible coverage options tailored to individual needs.
• Convenient Online Tools: User-friendly website and mobile app for policy management.

Cons

• Higher Premiums: Premiums may be higher compared to some competitors.
• Limited Discounts: Fewer discount options available beyond good-driver discounts.

#10 – Erie: Best for Youth Discounts

Pros

• Youth Discounts: Special discounts available for young and inexperienced drivers.
• High Good-Driver Discount: Up to 21% discount for maintaining a clean driving record.
• Excellent Customer Service: Insights from our Erie car insurance review shows Erie’s highly rated on customer service and claims handling.
• Strong Financial Stability: A+ rating from A.M. Best.
• Personalized Coverage: Tailored insurance options to meet individual needs.

Cons

• Limited Availability: Coverage options may be limited in certain regions.
• Fewer Policy Features: Less extensive policy features compared to some competitors.

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Cost of Mazda Car Insurance by Coverage Level

Mazda car insurance costs vary significantly depending on the insurance provider and the level and type of coverage chosen. For minimum coverage, Erie and USAA offer the most affordable rates at $22 per month, followed by Geico at $30, AAA at $32, and State Farm at $33.

Progressive and Travelers are slightly more expensive at $39 and $37 respectively, while Farmers and Allstate have higher rates of $53 and $61. Liberty Mutual is the most expensive for minimum coverage at $68 per month. When considering full coverage, Erie and USAA remain the most economical choices at $58 and $59 per month.

Geico and AAA also offer competitive rates at $80 and $86 respectively, with State Farm matching AAA’s rate. Travelers’ full coverage costs $99, while Progressive’s is $105. Farmers and Allstate charge higher premiums for full coverage at $139 and $160 respectively, and Liberty Mutual has the highest full coverage rate at $174 per month.

Coverage Options for Mazda Car Insurance

When insuring your Mazda, it’s important to understand the various coverage options available to ensure you have the right protection for your vehicle. Here are the main types of car insurance coverage you can consider:

• Liability Insurance: This includes bodily injury liability, which covers medical expenses and lost wages for the other party if you’re at fault, and property damage liability, which pays for repairs to the other party’s vehicle or property that you damage in an accident.
• Collision Coverage: Collision car coverage pays for repairs to your own vehicle if you are involved in an accident, regardless of who is at fault. This is especially important for new or high-value Mazdas, such as the Mazda CX-9 or MX-5 Miata.
• Comprehensive Coverage: Comprehensive insurance covers damage to your vehicle from non-collision-related incidents, such as theft, vandalism, natural disasters, and hitting an animal. This type of coverage is ideal for protecting against unexpected events.
• Uninsured/Underinsured Motorist Coverage: Uninsured/Underinsured motorist coverage protects you if you are hit by a driver who either has no insurance or insufficient coverage to pay for your damages. This coverage includes both bodily injury and property damage components.

By understanding these coverage options, you can tailor your Mazda car insurance policy to fit your needs and ensure you have comprehensive protection on the road.

Here are some more coverage options to check out for your Mazda:

• Personal Injury Protection (PIP): Personal injury protection (PIP), also known as no-fault insurance, covers medical expenses for you and your passengers regardless of who is at fault in an accident. PIP can also cover lost wages and other related costs.
• Medical Payments Coverage: Medical payments coverage (MedPay) helps pay for medical expenses incurred by you and your passengers after an accident, regardless of fault. It is similar to PIP but generally has a lower coverage limit.
• Gap Insurance: Gap insurance is crucial if you lease or finance your Mazda. It covers the difference between what you owe on your vehicle and its actual cash value in the event of a total loss.
• Roadside Assistance: Roadside Assistance provides help if your Mazda breaks down or you encounter other roadside issues, such as a flat tire, dead battery, or running out of fuel. This service can offer peace of mind, especially for drivers of older Mazda models.

Remember, each type of coverage serves a unique purpose, and selecting the right combination will provide the best protection for your Mazda. Stay informed and choose wisely to enjoy peace of mind while driving.

It’s also beneficial to regularly review your policy to make sure it continues to meet your needs as your circumstances change.

• Rental Reimbursement: Rental Reimbursement covers the cost of renting a car while your Mazda is being repaired due to a covered claim. This coverage ensures you remain mobile even if your vehicle is out of commission.
• Custom Parts and Equipment Coverage: If you’ve added aftermarket parts or customized your Mazda, Custom Parts and Equipment Coverage can protect these enhancements. This coverage ensures that modifications like upgraded stereo systems or custom wheels are insured.

Additionally, discussing your options with a licensed insurance agent can help clarify any questions and provide personalized recommendations. With the right coverage, you can drive confidently, knowing you and your Mazda are well-protected.

Available Discounts for Mazda Car Insurance

Securing affordable car insurance for your Mazda can be made easier by taking advantage of various car discounts offered by insurance companies. Here are some common discounts that can help reduce your premium: safe driver discount rewards maintaining a clean driving record without accidents or violations.

Multi-policy discount is available when bundling multiple policies, such as auto and home insurance, with the same provider. Good student discount benefits students with good grades, typically a b average or higher. Multi-car discount is offered when insuring more than one vehicle with the same company. Usage-based insurance discount is based on driving behavior tracked via a telematics device or app.

Low mileage discount benefits drivers who drive fewer miles than average per year. Anti-theft device discount is for vehicles equipped with approved anti-theft devices. Safety features discount is for vehicles equipped with advanced safety features like automatic braking and airbags. Loyalty discount rewards customers who have been with the same insurance company for an extended period.

Pay-in-full discount is for paying your annual premium in one lump sum rather than monthly installments. Paperless discount is for opting into electronic billing and documentation. Professional or alumni discounts are based on membership in certain professional organizations or alumni associations.

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Mazda Car Insurance Rates by Company

Are Mazdas expensive to insure? Look at the table below to see what the cheapest car insurance companies are on average for Mazda drivers. Some companies where you can likely find the cheapest rates for your Mazda include State Farm and Nationwide. If you’re a military personnel or a veteran, USAA is also among the cheap Mazda insurance options. Read our USAA car insurance review to learn more about USAA.

Companies with the most expensive Mazda car insurance rates are Geico and Progressive. We recommend getting quotes from cheap car insurance companies before looking into the more expensive ones on our list.

Mazda Car Insurance Rates by Mazda Model

Because it is easier to find cheap car insurance for some Mazda models than others, we reviewed the average Mazda insurance rates for a few different types of Mazda cars below.

Mazda CX-3 Car Insurance Rates

The Mazda CX-3, a subcompact SUV, is one of the cheaper versions of the Mazda to insure. Look at the table below to see the average rates for a Mazda CX-3:

The average monthly Mazda CX-3 insurance cost isn’t bad, and shopping around for Mazda car insurance quotes may help you find an even cheaper rate.

Mazda CX-5 Car Insurance Rates

Are mazda CX-5 expensive to insure? Mazda CX-5 insurance costs are also affordable since it’s another SUV. Average insurance cost for Mazda CX-5 costs a little more than the Mazda CX-3, but not by much, as you can see from the average car insurance rates below:

On average, a full coverage policy for car insurance on Mazda cx-5 will be around $200 a month, although your rates will vary depending on your age and driving record. Shop around for insurance quote for Mazda CX-5 to compare the best option.

Mazda CX-9 Car Insurance Rates

A Mazda CX-9 is more expensive to insure on average than the CX-3 or CX-5, and it’s one of the more expensive SUV Mazda models to insure.

If you find your rates for your Mazda CX-9 are more expensive than anticipated, make sure you compare Mazda CX-9 car insurance rates. State Farm and Nationwide have some of the cheaper rates, or USAA car insurance if you’re a military member or veteran.

Mazda CX-30 Car Insurance Rates

A Mazda CX-30 is another subcompact SUV model. It is one of the cheaper SUV models to insure, as it tends to have a low MSRP. Cheaper models mean that repair parts are easier to find and less expensive, which reduces car insurance rates.

Mazda3 Car Insurance Rates

The Mazda3 insurance cost also has affordable options, as you can see from the average rates below:

On average, a Mazda3 insurance cost will be under $150 a month to insure with a full coverage insurance policy.

Mazda6 Car Insurance Rates

A Mazda6 costs a little less on average to insure than a Mazda3, but not by much. Take a look at the average rates for a Mazda6 below:

Taking advantage of car insurance discounts at your insurance company can help you reduce your rates even further.

Mazda MX-5 Miata Car Insurance Rates

A Mazda MX-5 is one of the cheaper cars to insure, even if you’re buying sports car insurance, with one of the lowest average rates out of all the Mazda models. Below you can see the average rates for a Mazda MX-5:

Sports cars are generally more expensive to insure than other vehicles. However, because the starting price for a Mazda MX-5 is low, the cost to insure this model isn’t bad at all when you compare Mazda MX-5 Miata car insurance rates.

Mazda MX-30 Car Insurance Rates

The Mazda MX-30 is a new electric vehicle that hasn’t been widely released yet. Since it’s more expensive than other Mazda models, it may have a slightly higher auto insurance rate to offset the more expensive repairs for breakdowns. However, like all Mazda models, it probably won’t have expensive rates, making it an economical vehicle to insure.

Quickly and efficiently compare car insurance rates for a variety of Mazda models including the 3, CX-9, and MX-5 Miata, ensuring you find the best rates tailored to your specific needs and preferences.

Start now to secure the most suitable coverage for your Mazda. By comparing rates, you can confidently select the insurance coverage that offers the best value and peace of mind for your Mazda vehicle.

Quick Guide: Getting a Mazda Insurance Quote

To get a quote for your Mazda, start by collecting necessary information like your personal details and car specifics such as make, model, and VIN. Choose your preferred method of getting a quote—online, over the phone, or in person. If online, navigate to the insurance company’s website and use their quote tool, entering accurate information about your car and driving history.

Review the options provided, comparing coverage levels, deductibles, and premiums. Consider additional discounts or perks offered. Once you’ve compared quotes, select the policy that suits your needs and budget. Review policy terms carefully before finalizing, ensuring you understand coverage and any limitations.

Make the initial payment to activate your coverage and receive proof of insurance. Keep these documents handy whenever you’re driving your Mazda.

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Case Studies: Personalized Insurance Solutions for Mazda Owners

Mazda owners often seek insurance policies that not only protect their vehicles but also offer affordability and tailored coverage options. Here are three case studies highlighting how Mazda owners found personalized insurance solutions to meet their specific needs.

• Case Study 1 – John’s Mazda3: John explored various insurance options to find coverage that suited his budget and driving habits. By leveraging discounts for safe driving and bundling his policies, John secured a comprehensive insurance plan at an affordable rate.
• Case Study 2 – Mary’s Mazda CX-5: Mary collaborated with her insurance provider to customize her policy according to her lifestyle and vehicle usage. With roadside assistance and rental car reimbursement, Mary ensured she was adequately protected against unforeseen circumstances.
• Case Study 3 – Alex’s Mazda MX-5 Miata: Alex sought insurance coverage that safeguarded his beloved sports car while offering competitive rates. By comparing quotes and taking advantage of discounts for low mileage and safety features, Alex found a tailored insurance solution that allowed him to enjoy his Mazda MX-5 Miata without breaking the bank.

These case studies illustrate the importance of personalized insurance solutions for Mazda owners. By understanding their unique needs and collaborating closely with insurance providers, Mazda drivers can secure comprehensive coverage that offers both protection and affordability. Whether it’s a Mazda3, CX-5, or MX-5 Miata, finding the right insurance policy ensures peace of mind on the road.

Conclusion: Finding the Best Insurance for Your Mazda

Securing the best car insurance for your Mazda requires thorough research and comparison. By exploring various coverage options and discounts, you can tailor a policy that meets your needs and budget. Factors such as the model of your Mazda, your driving record, and your location influence insurance rates. While some models may be more expensive to insure, there are ways to find affordable coverage through comparison shopping.

Ultimately, choosing a reputable insurance provider with competitive rates and excellent customer service is crucial for ensuring peace of mind on the road. Take advantage of online tools and resources. Our free quote comparison tool allows you to shop for quotes from the top providers near you by entering your ZIP code below.

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