UPDATED: Oct 27, 2020
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Key takeaways:
- Full coverage costs around $1,400 a year or $117 each month
- A liability-only policy costs around $561 a year or $47 each month
- Highest rates are for teenage drivers at around $5,117 a year or $426 each month
- Good drivers can save as much as $577 a year by earning policy discounts
- Mazda 3 insurance costs around $119 less per year than the average vehicle
Mazda 3 insurance rates aren’t complicated. Full coverage for a Mazda 3 costs around $1,400 a year or $117 each month. Simple. Keep reading for a complete breakdown of savings on insurance rates for a Mazda 3.
You can start comparing quotes for Mazda 3 car insurance rates from some of the best car insurance companies by using our free online tool now.
Mazda 3 Insurance Cost
The average Mazda 3 car insurance costs are $1,400 a year or $117 a month.
Are Mazda 3s Expensive to Insure?
The chart below details how Mazda 3 insurance rates compare to other sedans like the Ford Taurus, Chevrolet Cruze, and Buick Regal.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Mazda 3 | $308 | $562 | $372 | $1,400 |
| Ford Taurus | $344 | $596 | $398 | $1,496 |
| Chevrolet Cruze | $308 | $594 | $372 | $1,432 |
| Buick Regal | $306 | $536 | $398 | $1,398 |
| Hyundai Sonata | $294 | $532 | $420 | $1,426 |
| Chrysler 300 | $332 | $626 | $398 | $1,514 |
| Nissan Sentra | $254 | $570 | $390 | $1,372 |
However, there are a few things you can do to find the cheapest Mazda insurance rates online.
What Impacts the Cost of Mazda 3 Insurance?
The Mazda 3 trim and model you choose will affect the total price you will pay for Mazda 3 insurance coverage.
Age of the Vehicle
Older Mazda 3 models generally cost less to insure. For example, auto insurance for a 2020 Mazda 3 costs $1,400, while 2010 Mazda 3 insurance costs are $1,148, a difference of $252.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Mazda 3 | $308 | $562 | $372 | $1,400 |
| 2019 Mazda 3 | $294 | $542 | $390 | $1,384 |
| 2018 Mazda 3 | $282 | $536 | $398 | $1,374 |
| 2017 Mazda 3 | $272 | $524 | $416 | $1,370 |
| 2016 Mazda 3 | $262 | $502 | $430 | $1,352 |
| 2015 Mazda 3 | $248 | $484 | $442 | $1,332 |
| 2014 Mazda 3 | $238 | $450 | $452 | $1,298 |
| 2013 Mazda 3 | $230 | $424 | $456 | $1,268 |
| 2012 Mazda 3 | $220 | $380 | $460 | $1,218 |
| 2011 Mazda 3 | $206 | $350 | $460 | $1,174 |
| 2010 Mazda 3 | $198 | $328 | $464 | $1,148 |
Driver Age
Driver age can have a significant impact on the cost of Mazda 3 auto insurance. For example, 20-year-old drivers pay as much as $1,774 more each year for their Mazda 3 auto insurance than 40-year-old drivers.
Driver Location
Where you live can have a large impact on Mazda 3 insurance rates. For example, drivers in New York may pay $364 a year more than drivers in Chicago.
Your Driving Record
Your driving record can have an impact on the cost of Mazda 3 car insurance. Teens and drivers in their 20’s see the highest jump in their Mazda 3 auto insurance rates with violations on their driving record.
Mazda 3 Safety Ratings
Your Mazda 3 auto insurance rates are influenced by the Mazda 3’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Good |
|---|---|
| Small overlap front: passenger-side | Good |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
Mazda 3 Crash Test Ratings
Mazda 3 crash test ratings can impact the cost of your Mazda 3 car insurance. See Mazda 3 crash test results below:
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| Mazda 3 | N/R | N/R | N/R | N/R |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Mazda 3 Safety Features
Having a variety of safety features on your Mazda 3 can help lower your Mazda 3 insurance costs. The Mazda 3’s safety features include:
- Driver Attention Alert
- Mazda Radar Cruise Control with Stop and Go function
- Smart Brake Support
- Blind Spot Monitoring
- Rear Cross-Traffic Alert
- Lane Departure Warning with Lane-Keep Assist
- High Beam Control
Mazda 3 Insurance Loss Probability
Another contributing factor that affects Mazda 3 car insurance rates is the loss probability for each type of coverage.
| Insurance Coverage Category | Loss Rate |
| Collision | -1% |
|---|---|
| Property Damage | 4% |
| Comprehensive | -4% |
| Personal Injury | 6% |
| Medical Payment | 10% |
| Bodily Injury | 3% |
| Source: Insurance Institute for Highway Safety | |
Mazda 3 Finance and Insurance Cost
If you are financing a Mazda 3, most lenders will require your carry higher Mazda 3 coverages including comprehensive coverage, so be sure to compare Mazda 3 car insurance rates from the best companies using our FREE tool below.
Ways to Save on Mazda 3 Insurance
You can save more money on your Mazda 3 auto insurance rates by employing any of the following five strategies.
- Apply for Your Full, Unrestricted License as Soon as You’re Eligible
- Make Sure You Use an Accredited Driver Safety Program
- Ask About a Student Away from Home Discount
- Be Picky About Who Drives Your Mazda 3
- Ask Your Insurance Company About Mazda 3 Discounts
Top Mazda 3 Insurance Companies
Who is the top auto insurance company for Mazda 3 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Mazda 3 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Mazda 3 offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | GEICO | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
Compare Free Mazda 3 Insurance Quotes Online
You can start comparing quotes for Mazda 3 car insurance rates from some of the best car insurance companies by using our free online tool now.