Mazda CX-30 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Mazda CX-30 are $1,372 annually for full coverage insurance. Comprehensive insurance costs an estimated $260 a year, collision costs $512, and liability is $442. Buying just liability costs around $496 a year, with insurance for high-risk drivers costing $2,986 or more. Teenage drivers cost the most to insure at $5,230 a year or more.
Average premium for full coverage: $1,372
Policy rates broken down by type of insurance:
Prices are based on $500 physical damage deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and CX-30 trim levels.
Price Range Variability
For a driver around age 40, Mazda CX-30 insurance rates go from as cheap as $496 for just the minimum liability insurance to a high of $2,986 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on the price of insurance. More rural locations are shown to have fewer physical damage claims than densely populated cities.
The diagram below illustrates the difference between rural and urban areas on insurance prices.
The examples above illustrate why it is important to compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below illustrates estimated Mazda CX-30 insurance rates for other coverage scenarios.
- The best discount rate is $787
- Raising to $1,000 deductibles will save approximately $1,196 each year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,372
- Using low $100 deductibles costs an additional $340 annually
- Drivers who are prone to accidents and violations could pay up to $2,986 or more
- Policy cost with full coverage for a 16-year-old driver can cost as much as $5,230
Insurance rates for a Mazda CX-30 also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.
Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $5,200 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying $1,600 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $520 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Mazda CX-30 insurance prices. A middle-age driver might find rates as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,850 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,240 | -$132 | -9.6% |
| Alaska | $1,052 | -$320 | -23.3% |
| Arizona | $1,140 | -$232 | -16.9% |
| Arkansas | $1,372 | -$0 | 0.0% |
| California | $1,562 | $190 | 13.8% |
| Colorado | $1,310 | -$62 | -4.5% |
| Connecticut | $1,410 | $38 | 2.8% |
| Delaware | $1,552 | $180 | 13.1% |
| Florida | $1,714 | $342 | 24.9% |
| Georgia | $1,266 | -$106 | -7.7% |
| Hawaii | $984 | -$388 | -28.3% |
| Idaho | $928 | -$444 | -32.4% |
| Illinois | $1,022 | -$350 | -25.5% |
| Indiana | $1,034 | -$338 | -24.6% |
| Iowa | $926 | -$446 | -32.5% |
| Kansas | $1,304 | -$68 | -5.0% |
| Kentucky | $1,872 | $500 | 36.4% |
| Louisiana | $2,030 | $658 | 48.0% |
| Maine | $846 | -$526 | -38.3% |
| Maryland | $1,132 | -$240 | -17.5% |
| Massachusetts | $1,098 | -$274 | -20.0% |
| Michigan | $2,382 | $1,010 | 73.6% |
| Minnesota | $1,148 | -$224 | -16.3% |
| Mississippi | $1,642 | $270 | 19.7% |
| Missouri | $1,216 | -$156 | -11.4% |
| Montana | $1,474 | $102 | 7.4% |
| Nebraska | $1,080 | -$292 | -21.3% |
| Nevada | $1,642 | $270 | 19.7% |
| New Hampshire | $986 | -$386 | -28.1% |
| New Jersey | $1,534 | $162 | 11.8% |
| New Mexico | $1,214 | -$158 | -11.5% |
| New York | $1,444 | $72 | 5.2% |
| North Carolina | $790 | -$582 | -42.4% |
| North Dakota | $1,122 | -$250 | -18.2% |
| Ohio | $946 | -$426 | -31.0% |
| Oklahoma | $1,408 | $36 | 2.6% |
| Oregon | $1,256 | -$116 | -8.5% |
| Pennsylvania | $1,310 | -$62 | -4.5% |
| Rhode Island | $1,830 | $458 | 33.4% |
| South Carolina | $1,240 | -$132 | -9.6% |
| South Dakota | $1,158 | -$214 | -15.6% |
| Tennessee | $1,202 | -$170 | -12.4% |
| Texas | $1,652 | $280 | 20.4% |
| Utah | $1,016 | -$356 | -25.9% |
| Vermont | $940 | -$432 | -31.5% |
| Virginia | $822 | -$550 | -40.1% |
| Washington | $1,060 | -$312 | -22.7% |
| West Virginia | $1,256 | -$116 | -8.5% |
| Wisconsin | $950 | -$422 | -30.8% |
| Wyoming | $1,222 | -$150 | -10.9% |
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate rates, so the rates will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Mazda CX-30 | $294 | $566 | $398 | $1,416 |
| 2023 Mazda CX-30 | $284 | $552 | $416 | $1,410 |
| 2022 Mazda CX-30 | $274 | $530 | $430 | $1,392 |
| 2021 Mazda CX-30 | $260 | $512 | $442 | $1,372 |
| 2020 Mazda CX-30 | $250 | $474 | $452 | $1,334 |
Rates are averaged for all Mazda CX-30 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Affordable Mazda CX-30 Insurance
Finding cheaper rates on insurance for a Mazda CX-30 consists of being a safe and courteous driver, having a good credit history, being claim-free, and taking advantage of discounts. Set aside time to compare rates once a year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below is a brief review of the data that was covered above.
- It is possible to save approximately $170 per year simply by quoting early and online
- Insureds who want higher levels of liability will pay an extra $490 annually to raise from a 30/60 limit to higher 250/500 limits
- Teenage drivers are charged the highest rates, possibly costing $436 each month including comprehensive and collision insurance
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,610 more annually for auto insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,230 |
| 20 | $3,188 |
| 30 | $1,424 |
| 40 | $1,372 |
| 50 | $1,254 |
| 60 | $1,230 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,712 |
| $250 | $1,552 |
| $500 | $1,372 |
| $1,000 | $1,196 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,372 |
| 50/100 | $1,460 |
| 100/300 | $1,571 |
| 250/500 | $1,858 |
| 100 CSL | $1,505 |
| 300 CSL | $1,748 |
| 500 CSL | $1,925 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,454 |
| 20 | $5,086 |
| 30 | $3,044 |
| 40 | $2,986 |
| 50 | $2,854 |
| 60 | $2,828 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $73 |
| Multi-vehicle | $74 |
| Homeowner | $21 |
| 5-yr Accident Free | $101 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $62 |
| Advance Quote | $68 |
| Online Quote | $97 |
| Total Discounts | $585 |
Discounts are estimated and may not be available from every company or in every state.
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