Mazda 3 Car Insurance Cost

Getting insurance for a Mazda 3 typically runs about $651 annually through Mercury Insurance Company. However, the actual cost varies based on factors like age, the year of the car model, and other considerations. You can check our quote tables below to estimate your specific cost.

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Updated: 04 April 2024
Written by
Bob Phillips
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If you’re considering purchasing a Mazda 3, it’s essential to factor in the cost of insurance. Insurance plays a significant role in car ownership, so it’s crucial to fully grasp the financial implications before making a purchase.

Selecting the appropriate car insurance is vital to prevent unexpected and potentially costly bills down the road. It’s important to ensure you have adequate coverage in the event of an accident to avoid substantial out-of-pocket expenses. Additionally, remember that if you’re found at fault, your insurance premiums may increase.

Having studied car insurance rates for more than a decade, I’ve observed considerable variation in these costs. Factors such as your age, driving record, and location can all substantially influence your insurance premiums.

How Much Does Mazda 3 Car Insurance Cost?

Typically, Mercury Insurance Company provides the most competitive rate, averaging around $651 per year for full coverage insurance on a 2024 Mazda 3.

While Mercury Insurance Company’s rate serves as a useful reference point, it’s crucial to recognize that car insurance costs can vary significantly based on several factors. These factors include your location, driving history, the model year of your car, and the specific coverage options you select. Maintaining a clean driving record can result in lower premiums, while a history of accidents or traffic violations can drive up costs.

Furthermore, residing in urban areas with heavy traffic can lead to higher rates compared to rural areas with lighter traffic. Your choice of coverage also affects your premium—comprehensive coverage, which includes both comprehensive and collision coverage, tends to be pricier than minimum liability coverage.

Insuranceopedia is available to assist you in shopping around and comparing quotes from different insurance companies to ensure you secure the best deal possible.

2024 Mazda 3 Insurance Rates

Insurance Provider Average Annual Cost
Mercury Insurance Company $651
Kemper Auto Premier $1,092
Infinity Special $1,061
Mercury $1,367
New York Central Mutual Fire $1,404
Direct Auto $1,472
21st Century $1,548
USAA $1,608
California Capital $1,672
Erie $1,802

2023 Mazda 3 Insurance Rates

Insurance Provider Average Annual Cost
Safeco $108
Texas Farm Bureau Group $728
Mercury Insurance Company $807
Plymouth Rock Assurance $936
Utica National Ins Group $993
North Carolina Farm Bureau $1,042
Kemper Auto Premier $1,056
Capital Insurance Group $1,062
Infinity Special $1,086
Titan $1,104

2022 Mazda 3 Insurance Rates

Insurance Provider Average Annual Cost
Kemper Auto | Infinity $316
Safeco $729
Victoria $829
Kemper Auto Premier $898
Infinity Special $892
Buckeye Insurance Group $904
Kemper Auto $925
Pekin Insurance $1,036
Mercury Insurance Company $1,129
American National P $1,193

2021 Mazda 3 Insurance Rates

Insurance Provider Average Annual Cost
Safeco $315
Jupiter Auto Insurance $635
Victoria $776
Mercury Insurance $976
Buckeye Insurance Group $1,021
American National P $1,015
Indiana Farmers Mutual Ins $1,055
SECURA Insurance $1,044
Pekin Insurance $1,070
Virginia Farm Bureau $1,142

2020 Mazda 3 Insurance Rates

Insurance Provider Average Annual Cost
Mercury Insurance $366
Safeco $567
AssuranceAmerica Economy $781
AssuranceAmerica Elite $1,224
Virginia Farm Bureau $1,249
SECURA Insurance $1,251
Farm Bureau Mutual (IA Group) $1,340
Hastings Mutual Insurance Co $1,380
Texas Farm Bureau Group $1,435
New Jersey Manufacturers $1,464

2019 Mazda 3 Insurance Rates

Insurance Provider Average Annual Cost
Mercury Insurance $696
Safeco $721
Clearcover $801
Pekin Insurance $888
Virginia Farm Bureau $967
PEMCO $960
Safety Group $998
Norfolk and Dedham Group $1,059
North Carolina Farm Bureau $1,086
General Casualty $1,200

2018 Mazda 3 Insurance Rates

Insurance Provider Average Annual Cost
Kemper Auto Premier $327
NatGen Custom 360 $414
Jupiter Auto Insurance $427
Kemper Personal Insurance $490
SAFECO $559
National General RAD $734
American National P $994
Countryway Insurance $1,103
PEMCO $1,179
Liberty Mutual $1,184

2017 Mazda 3 Insurance Rates

Insurance Provider Average Annual Cost
Kemper Auto Premier $242
Safety Group $727
American National P&C $717
Concord Group $764
Commerce Group Inc $833
Kemper Auto $942
Virginia Farm Bureau $917
MMG Insurance Company $936
SAFECO $958
SECURA Insurance $975

2016 Mazda 3 Insurance Rates

Insurance Provider Average Annual Cost
Jupiter Auto Insurance $188
NatGen Custom 360 $258
SAFECO $612
American National P $750
Ameriprise Group $801
NatGen Advantage $974
EMC Insurance $963
Farmers Mutual of Nebraska $1,052
SECURA Insurance $1,071
North Carolina Farm Bureau $1,077

2015 Mazda 3 Insurance Rates

Insurance Provider Average Annual Cost
Kemper Personal Insurance $309
American National P&C $422
SAFECO $478
New York Central Mutual Fire $670
Cameron Mutual Group $875
Kemper Premium $881
Atlantic States Insurance $994
Tennessee Farmers $998
Southern Farm Bureau $1,022
New Jersey Manufacturers $1,043

2014 Mazda 3 Insurance Rates

Insurance Provider Average Annual Cost
Jupiter Auto Insurance $144
Kemper Personal Insurance $232
Dairyland Broadform $529
SAFECO $734
North Carolina Farm Bureau $755
Cameron Mutual Group $778
Mercury Insurance $767
PEMCO $803
Tennessee Farmers $782
NatGen PPA $830

2013 Mazda 3 Insurance Rates

Insurance Provider Average Annual Cost
Jupiter Auto Insurance $80
SAFECO $246
Kemper Personal Insurance $341
American National P&C $530
North Carolina Farm Bureau $739
Utica National Ins Group $892
SECURA Insurance $905
Tennessee Farmers $907
Wolverine Mutual $965
Countryway Insurance $1,002

2012 Mazda 3 Insurance Rates

Insurance Provider Average Annual Cost
Kemper Personal Insurance $110
Jupiter Auto Insurance $199
Kemper Auto Premier $207
NatGen Custom 360 $239
Kemper Auto Premium $544
Dairyland FR Bond $633
Concord Group $641
SAFECO $650
American National P $679
MMG Insurance Company $672

2011 Mazda 3 Insurance Rates

Insurance Provider Average Annual Cost
Jupiter Auto Insurance $153
Kemper Auto Premium $220
Kemper Auto Premier $268
SAFECO $318
Mercury Insurance $327
Union Mutual Fire Group $429
NatGen Custom 360 $427
American National P&C $514
AssuranceAmerica Mobile Max $565
American National P $563

2010 Mazda 3 Insurance Rates

Insurance Provider Average Annual Cost
NatGen Custom 360 $166
Jupiter Auto Insurance $189
Kemper Personal Insurance $191
SAFECO $273
Mercury Insurance $304
Kemper Auto Premier $367
Kemper Auto Premium $586
American National P $637
Dairyland Auto 6 Month $713
AssuranceAmerica Mobile Max $732

Cost of Mazda 3 Car Insurance By Age

Driver Age Good Driver Recent Accident Poor Credit
17 $4,949 $7,254 $8,470
18 $4,613 $6,751 $7,917
19 $4,060 $5,968 $6,976
20 $3,560 $5,209 $6,103
21 $2,994 $4,372 $5,124
22 $2,881 $4,238 $4,986
23 $2,556 $3,719 $4,345
24 $2,399 $3,550 $4,133
25 $2,086 $3,045 $3,583
30 $1,630 $2,384 $2,796
35 $1,525 $2,240 $2,610
40 $1,448 $2,158 $2,527
45 $1,441 $2,077 $2,449
55 $1,318 $1,909 $2,235
65 $1,379 $2,014 $2,353
75 $1,704 $2,538 $2,963

Mazda 3 Car Insurance Rates By State

State Good Driver Recent Accident Poor Credit
Delaware $1,725 $2,308 $2,988
Florida $2,062 $2,858 $3,750
Hawaii $683 $905 $676
Idaho $1,165 $1,545 $1,899
Illinois $1,211 $1,838 $2,122
Indiana $1,244 $1,921 $2,167
Iowa $987 $1,390 $1,616
Kansas $1,349 $1,937 $2,267
Kentucky $1,919 $2,836 $3,344
Louisiana $2,450 $3,716 $4,054
Maine $947 $1,270 $1,892
Maryland $1,492 $2,213 $2,427
Massachusetts $1,193 $2,095 $1,232
Michigan $2,935 $4,468 $7,018
Minnesota $1,213 $1,604 $2,238
Mississippi $1,454 $2,088 $2,067
Missouri $1,358 $1,956 $2,564
Montana $1,380 $1,942 $2,251
Nebraska $1,175 $1,757 $1,873
Nevada $1,941 $2,861 $3,022
New Hampshire $1,369 $2,149 $2,714
New Jersey $1,494 $2,332 $3,053
New Mexico $1,537 $2,277 $2,330
New York $1,394 $1,755 $2,962
North Carolina $865 $1,477 $1,054
North Dakota $1,172 $1,817 $2,143
Ohio $1,070 $1,640 $1,670
Oklahoma $1,711 $2,426 $2,737
Oregon $1,540 $2,079 $2,482
Pennsylvania $1,283 $1,898 $2,228
Rhode Island $2,170 $3,191 $3,595
South Carolina $1,464 $2,030 $2,828
South Dakota $1,322 $1,905 $2,220
Tennessee $1,547 $2,275 $3,052
Texas $1,569 $2,274 $2,806
Utah $1,348 $1,851 $2,567
Vermont $1,022 $1,595 $1,654
Virginia $967 $1,493 $1,440
Washington $1,267 $1,759 $2,077
West Virginia $1,306 $1,829 $2,325
Wisconsin $1,289 $1,991 $2,292
Wyoming $1,191 $1,687 $1,807
Georgia $1,694 $2,530 $2,540

FAQs

Who has the cheapest car insurance for a Mazda 3?

Mercury Insurance Company has the cheapest car insurance for the Mazda 3 for model year 2024.

Which company offers the best car insurance for a Mazda 3?

Based on a combination of having the lowest rates, comprehensive coverage, and top-rated customer service, we believe Mercury Insurance Company offers the best car insurance for a Mazda 3.

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