Affordable Mazda 3 Auto Insurance Quotes (2024)
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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Daniel Walker
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Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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UPDATED: Dec 16, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto 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 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 16, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto 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 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.
On This Page
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 |
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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 | |
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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Frequently Asked Questions
What factors can contribute to affordable Mazda 3 auto insurance rates?
Several factors can contribute to affordable Mazda 3 auto insurance rates, including your driving record, age, location, credit score, annual mileage, and the level of coverage you choose. Additionally, the safety features and anti-theft devices in your Mazda 3 may also influence your insurance premiums.
Can the Mazda 3 model I choose impact my insurance rates?
Yes, the specific model of Mazda 3 you choose can impact your insurance rates. Factors such as the vehicle’s age, trim level, engine size, and overall value are considered when calculating insurance premiums. Generally, higher-performance models may have higher insurance rates due to increased risk or repair costs.
Are there any specific insurance considerations for leased or financed Mazda 3 vehicles?
If you lease or finance a Mazda 3, your lender or leasing company will likely require you to carry comprehensive and collision coverage. These coverages help protect the lender’s or lessor’s financial interest in the vehicle. It’s important to carefully review the insurance requirements specified in your lease or financing agreement.
How can I find affordable insurance options for my Mazda 3?
To find affordable insurance options for your Mazda 3, consider the following steps:
- Shop around: Obtain quotes from multiple insurance providers to compare prices and coverage options.
- Increase your deductibles: Opting for higher deductibles can lower your insurance premiums.
- Ask about discounts: Inquire with insurance companies about available discounts for factors such as safe driving, bundling policies, or completing a defensive driving course.
- Maintain a good driving record: Avoid traffic violations and accidents to maintain lower insurance rates.
- Consider usage-based insurance: Some insurers offer programs that calculate premiums based on your actual driving habits, potentially resulting in lower rates.
Compare over 200 auto insurance companies at once!
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.