What is the Best Car Insurance for a Mazda 3?

Getting Mazda 3 insurance quotes will cost on average $117 per month ($1,400 per year). Good drivers can save as much as $2,159 a year over higher risk drivers.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

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.

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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
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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
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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
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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
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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
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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.

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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
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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.

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