For many drivers across California, owning a reliable and stylish subcompact SUV like the Mazda CX‑30 is a smart choice. But how much does it really cost to insure the CX‑30 in the Golden State? Whether you’re budgeting for a new car or comparing options, understanding your insurance premiums is a key part of total cost of ownership.
Let’s break down what you should know about insuring the 2025 Mazda CX‑30 in California — including average rates, what affects those rates, and how the CX‑30 compares to its rivals.
Average Insurance Cost for the Mazda CX‑30 in California
As of 2025, the average annual insurance premium for a 2025 Mazda CX‑30 in California typically ranges from $1,300 to $1,700 per year, depending on several factors such as driver history, ZIP code, and coverage type.
That breaks down to about $110 to $145 per month, which is considered average for the subcompact SUV class.
Factors That Influence CX‑30 Insurance Rates
1. Trim Level & Engine Type
The CX‑30 comes in various trims, from the base 2.5 S Select Sport to the more powerful 2.5 Turbo Premium Plus. Insurance companies often charge more for higher trims due to:
- Increased repair/replacement costs (especially for turbocharged models)
- Additional features like panoramic moonroofs or premium audio that are more expensive to fix
2. Driver Profile
Your age, driving record, and years of experience heavily influence insurance pricing. For example:
- A 40-year-old driver with a clean record in San Rafael will pay significantly less than a 22-year-old with one prior accident.
- Urban drivers in cities like Los Angeles or Oakland typically see higher premiums than those in smaller towns.
3. Coverage Level
- Basic liability only: ~$1,100/year
- Full coverage with collision & comprehensive: ~$1,500–$1,700/year
Opting for higher deductibles can reduce your monthly cost but increases out-of-pocket expenses in the event of a claim.
4. Location in California
Here’s how rates can vary by city (estimated annual full coverage):
| City | Estimated Cost |
|---|---|
| San Diego | $1,320 |
| San Francisco | $1,500 |
| Sacramento | $1,410 |
| San Jose | $1,350 |
| Los Angeles | $1,690 |
Is the CX‑30 Cheaper to Insure Than Other SUVs?
Yes — generally. The Mazda CX‑30 is often more affordable to insure than many of its subcompact SUV competitors.
| Model | Average Annual Insurance (CA) |
|---|---|
| Mazda CX‑30 | $1,500 |
| Honda HR‑V | $1,580 |
| Hyundai Kona | $1,620 |
| Toyota Corolla Cross | $1,540 |
| Subaru Crosstrek | $1,530 |
The CX‑30 strikes a balance between sporty design, safety ratings, and affordable repair costs, helping to keep insurance prices reasonable.
How to Lower Your CX‑30 Insurance Premium
- Bundle your policies (home + auto) with the same provider
- Install anti-theft devices or use built-in GPS tracking
- Maintain a clean driving record
- Ask about good student or low-mileage discounts
- Compare multiple quotes every 6–12 months
Is It Worth Getting Full Coverage on a CX‑30?
For a newer model like the 2025 Mazda CX‑30, full coverage is typically recommended. It protects you from not only liability, but also damage from collisions, theft, weather, and vandalism — especially important if you’re financing or leasing.
Bottom Line
The 2025 Mazda CX‑30 is not considered expensive to insure in California. With average annual premiums in the $1,300–$1,700 range, it holds a competitive edge over many rivals in its class. Its strong safety ratings, reliability, and moderate repair costs contribute to a well-rounded insurance profile.
If you’re shopping for a stylish, reliable, and budget-friendly SUV in Northern California, the CX‑30 continues to be a smart choice — both on the road and on your balance sheet.
Explore the Mazda CX‑30 at Marin Mazda
Looking to take the next step? Visit Marin Mazda to browse our latest inventory, compare trim options, or get a personalized quote on your next CX‑30.
Marin Mazda
807 Francisco Blvd E, San Rafael, CA 94901
Call: (415) 454‑7000
Browse Online: www.marinmazda.net
Discover the Mazda CX‑30 — where style meets value.
