Mazda 3 Insurance Cost Estimate [Rates + Comparison Guide]

Average Mazda 3 insurance rates are $117 per month, but Mazda 3 insurance for 17-year-olds will have much higher rates. You can save money on your Mazda 3 insurance coverage when you remove younger drivers from your policy, but if you have a teen driver you can compare Mazda 3 insurance quotes online to save on your rates. Enter your ZIP code below to get started.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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 cost about $119 less annually than the average vehicle, setting you back about $1,400 a year or $117 a month. But there are plenty of discounts out there for your Mazda 3, like good driver discounts that can save you as much as $577 a year. We’re going to go over the Mazda 3’s safety ratings, crash test 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 rates 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 Audi S4, Dodge Charger, and Chevrolet Malibu.

Vehicle Comprehensive Collision Liability Total
Mazda 3 $308 $562 $372 $1,400
Audi S4 $370 $744 $338 $1,588
Dodge Charger $376 $626 $466 $1,668
Chevrolet Malibu $322 $532 $372 $1,384
Infiniti Q50 $344 $686 $398 $1,586
Subaru WRX $320 $566 $338 $1,360
Hyundai Elantra $280 $562 $372 $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?

You might have noticed that there is a multitude of factors that impact Mazda 3 car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Mazda 3.

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 Mazda 3 auto insurance rates. For example, 20-year-old drivers pay approximately $1,712 more each year for their Mazda 3 auto insurance than 30-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 with violations on their driving record.

Mazda 3 Safety Ratings

The Mazda 3’s safety ratings will affect your Mazda 3 auto insurance rates. See the chart 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

Good Mazda 3 crash test ratings can lower your Mazda 3 auto insurance rates. 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
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Mazda 3 Safety Features

The more safety features you have on your Mazda 3, the more likely it is that you can earn a discount. The Mazda 3’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control
  • Lane Departure Warning
  • Lane Keeping Assist

Mazda 3 Insurance Loss Probability

Another contributing factor that plays a direct role in Mazda 3 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, you will pay more if you purchase Mazda 3 car insurance at the dealership, so be sure to shop around and compare Mazda 3 car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Mazda 3 Insurance

If you want to reduce the cost of your Mazda 3 insurance rates, follow these tips below:

  • Choose a Mazda 3 with Cheaper Repair Costs
  • Ask About Welcome Discounts
  • Reduce Your Coverage on an Older Mazda 3
  • Ask Your Insurance Company About Mazda 3 Discounts
  • Watch Your Insurer Closely When Your Mazda 3 Needs Repairs

Top Mazda 3 Insurance Companies

Several top car insurance companies offer competitive rates for the Mazda 3 rates based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with Mazda 3 drivers organized by market share.

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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