Best Mazda 3 Car Insurance Quotes (2024)
The average Mazda 3 insurance rates are $117/mo for full coverage. The average Mazda 3 insurance cost for teenagers is $426.42/mo, so shop around for Mazda 3 insurance quotes with our free comparison tool to find the cheapest rates.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
UPDATED: Dec 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Dec 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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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.
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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.
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Frequently Asked Questions
What factors determine the insurance cost of a Mazda 3?
Several factors contribute to the insurance cost of a Mazda 3, including the car’s model, year, mileage, safety features, and the driver’s age, driving record, and location.
How can I find the best insurance quotes for my Mazda 3?
To find the best insurance quotes for your Mazda 3, shop around and compare rates from multiple insurance companies. Consider factors such as coverage limits, deductibles, and discounts offered by each company.
What types of coverage should I consider for my Mazda 3?
The types of coverage you may want to consider for your Mazda 3 include liability, collision, comprehensive, and uninsured/underinsured motorist coverage. Liability coverage is mandatory in most states and covers damages you cause to others. Collision coverage covers damages to your car in the event of a collision. Comprehensive coverage covers damages from non-collision events such as theft, vandalism, or weather-related incidents. Uninsured/underinsured motorist coverage protects you if you are involved in an accident with someone who has inadequate or no insurance.
What discounts are available for Mazda 3 insurance?
Discounts that may be available for Mazda 3 insurance include multi-car discounts, safe driver discounts, low-mileage discounts, and discounts for safety features such as anti-theft systems or driver assistance technology.
How can I lower my Mazda 3 insurance costs?
To lower your Mazda 3 insurance costs, consider increasing your deductible, maintaining a clean driving record, installing safety features, such as anti-theft systems or driver assistance technology, and seeking out discounts offered by insurance companies.
Is it necessary to have full coverage insurance for my Mazda 3?
Whether or not you need full coverage insurance for your Mazda 3 depends on your individual circumstances and risk tolerance. Full coverage insurance typically includes liability, collision, and comprehensive coverage, and offers more comprehensive protection than liability-only coverage. It may be worth considering if your car is new or if you have a loan or lease on the vehicle.
Can I insure my Mazda 3 for business use?
Yes, you can insure your Mazda 3 for business use, but it may require a separate commercial policy. If you use your car for business purposes, such as delivering goods or transporting clients, you should speak with your insurance company to ensure you have the appropriate coverage.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.