Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

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 $1,400 per year or $117 per month for full coverage and $47 per month for liability-only insurance. Good drivers can save up to $577 per year using policy discounts. Continue reading to learn how you save more money on Mazda 3 insurance rates.

You can start comparing quotes for Mazda 3 auto insurance rates from some of the best auto 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 A3, Chevrolet Malibu, and Chevrolet Impala.

Vehicle Comprehensive Collision Liability Total
Mazda 3 $308 $562 $372 $1,400
Audi A3 $282 $566 $398 $1,404
Chevrolet Malibu $322 $532 $372 $1,384
Chevrolet Impala $280 $532 $372 $1,342
Chevrolet Cruze $308 $594 $372 $1,432
Audi S4 $370 $744 $338 $1,588
Toyota Corolla $294 $542 $390 $1,384
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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 can impact the total price you will pay for Mazda 3 insurance coverage.

Age of the Vehicle

The average Mazda 3 auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 Mazda 3 are $1,400, while 2010 Mazda 3 rates 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. As an example, a 40-year-old driver could pay $148 less each month for their Mazda 3 auto insurance compared to a 20-year-old driver.

Driver Location

Where you live can have a large impact on Mazda 3 insurance rates. For example, drivers in Los Angeles may pay $518 a year more than drivers in Philadelphia.

Your Driving Record

Your driving record can have an impact on the cost of Mazda 3 auto 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 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
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Mazda 3 Crash Test Ratings

If the Mazda 3 crash test ratings are good, you could have lower Mazda 3 auto insurance rates. See Mazda 3 crash test results below:

Vehicle Tested Overall Frontal Side Rollover
Mazda 3 5 stars 5 stars 5 stars 5 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Mazda 3 Safety Features

The safety features of the Mazda 3 can impact your Mazda 3 auto insurance rates. The Mazda 3 has the following safety features:

  • 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

The lower percentage means lower Mazda 3 auto insurance rates; higher percentages mean higher Mazda 3 auto insurance rates. The Mazda 3’s insurance loss probability varies for each form 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 auto insurance at the dealership, so be sure to shop around and compare Mazda 3 auto insurance quotes from the best companies using our FREE tool below.

Free Auto Insurance Comparison

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 auto insurance costs. For example, try these five tips:

  • Be Picky About Who Drives Your Mazda 3
  • Reduce Your Coverage on an Older Mazda 3
  • Start Searching for New Mazda 3 Insurance Rates a Month Before Your Renewal
  • Add a More Experienced Driver to Your Mazda 3 Policy
  • Consider Mazda 3 Insurance Rates Before Buying a Mazda 3

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
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Compare Free Mazda 3 Insurance Quotes Online

You can start comparing quotes for Mazda 3 auto insurance rates from some of the best auto insurance companies by using our free online tool now.