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 and Outreach Director, 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 world o...

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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: Jul 16, 2021

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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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