Heat skillet, cook ground beef until browned (5–6 min). Add onion and cook 3 min, then garlic 30 sec. Drain excess fat.
Stir in spices, toast 1 min. Add diced tomatoes, tomato sauce, broth, and beans. Simmer 5 min.
Boil macaroni until al dente, drain.
Mix chili mixture with pasta, fold in sour cream and 1 cup cheddar. Transfer to baking dish.
Sprinkle remaining cheddar + mozzarella over top.
Cover with foil, bake 20 min at 375°F. Remove foil, bake 10 min more until bubbly.
Let rest 5 min before serving.