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How Much is Insurance on a Mazda 3? [Rates + Coverage Guide]

If you want to buy affordable Mazda 3 insurance coverage then you should know that a policy will cost $117 per month ($1,400 per year) on average. Finding Mazda 3 teenager insurance coverage can cost on average $5,117 a year, so shop around to find cheap rates.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 23, 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 are about $119 less yearly than the average vehicle with full coverage averaging $1,400 a year or $117 a month. Drivers of an older Mazda 3 may opt for liability coverage only which costs around $561 a year or $47 a month.

Good drivers can save up to $577 a year in policy discounts by remaining safe and courteous while driving. Let’s take a deeper look at Mazda 3 insurance rates, safety ratings, and more.

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 auto 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 Chevrolet Sonic, Audi S3, and Buick Regal.

Vehicle Comprehensive Collision Liability Total
Mazda 3 $308 $562 $372 $1,400
Chevrolet Sonic $270 $536 $398 $1,362
Audi S3 $356 $744 $264 $1,474
Buick Regal $306 $536 $398 $1,398
Nissan Maxima $372 $630 $390 $1,550
Cadillac CTS $320 $626 $398 $1,502
Subaru WRX $320 $566 $338 $1,360

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 can impact 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 $854 a year more than drivers in Seattle.

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 car insurance rates with violations on their driving record.

Mazda 3 Safety Ratings

Your Mazda 3 car insurance rates are tied to the safety ratings of the Mazda 3. 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 5 5 5 5
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Mazda 3 Safety Features

Good Mazda 3 safety features can result in insurers giving you car insurance discounts. The safety features for the 2020 Mazda 3 are:

  • Automatic high-beam headlights
  • Rain-sensing windshield wipers
  • Lane keep assist
  • Lane departure warning
  • Rearview camera
  • Forward collision warning
  • Automatic emergency braking
  • Pedestrian detection
  • Stop-and-go adaptive cruise control
  • Driver condition monitor

Mazda 3 Insurance Loss Probability

The Mazda 3’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Mazda 3, others are more favorable and lead to lower insurance rates.

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 coverage options including comprehensive coverage, so be sure to shop around and compare Mazda 3 car insurance quotes from the best companies using our FREE tool below.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to Save on Mazda 3 Insurance

You have more options at your disposal to save money on your Mazda 3 car insurance costs. For example, try these five tips:

  • Get Cheaper Mazda 3 Car Insurance Rates as a Full-Time Parent
  • Consider Ride Sharing Services to Lower Your Mazda 3 Mileage
  • Ask About Mazda 3 Safety Discounts
  • Check for Organization-Based Discounts, like Alumni or Employer Discounts
  • Bundle Your Mazda 3 Auto Insurance with Home Insurance

Top Mazda 3 Insurance Companies

Who is the best 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 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

To start comparing Mazda 3 car insurance quotes for free, use our online car insurance comparison tool.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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