Mazda 3 Car Insurance Cost 2025
Getting insurance for a Mazda 3 costs an average of $2,071 per year. However, the actual cost can vary based on factors such as your age, the year of the car model, and other considerations. You can use our quote tables below to get an estimate of your specific costs.
We’ve saved shoppers an average of $600 per year on their car insurance.
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. On average, insurance for a Mazda 3 cost $2,071 per year.
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, Mazda 3 drivers can find car insurance at an average rate of $2,071 per year.
The cost of car insurance for a Mazda 3 can vary significantly based on several factors. These include your location, driving history, the model year of your car, and the coverage options you select. A clean driving record can help reduce your premiums, while a history of accidents or traffic violations may lead to higher costs.
Living in an urban area with heavy traffic can result in higher insurance rates compared to rural areas with less traffic. Additionally, the type of coverage you opt for plays a role – comprehensive insurance, which covers both comprehensive and collision, generally costs more than basic liability coverage.
As shown in the comparison, the cost of insurance for a Mazda 3 is typically cheaper than the average for all Mazda models, and also lower than the average cost for all cars. Insuranceopedia is here to help you compare quotes from multiple auto insurance providers, ensuring you find the best deal for your specific needs.
| Vehicle | Average Monthly Premium |
| Mazda 3 | $165 |
| All Mazdas | $168 |
| All Cars | $175 |
Average Insurance Cost Of Mazda 3 Model Year
| Model Year | Average Premium |
| 2024 Mazda 3 | $1,368 |
| 2023 Mazda 3 | $892 |
| 2022 Mazda 3 | $885 |
| 2021 Mazda 3 | $905 |
| 2020 Mazda 3 | $1,106 |
| 2019 Mazda 3 | $938 |
| 2018 Mazda 3 | $741 |
| 2017 Mazda 3 | $801 |
| 2016 Mazda 3 | $775 |
| 2015 Mazda 3 | $769 |
| 2014 Mazda 3 | $635 |
| 2013 Mazda 3 | $661 |
| 2012 Mazda 3 | $457 |
| 2011 Mazda 3 | $378 |
| 2010 Mazda 3 | $416 |
2024 Mazda 3 Insurance Rates
The average annual insurance cost for a 2024 Mazda 3 is $1,368. However, Mercury Insurance Company offers the cheapest rates, averaging $651 per year.
| 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
The average annual insurance cost for a 2023 Mazda 3 is $892. However, Safeco offers the cheapest rates, averaging $108 per year.
| 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
The average annual insurance cost for a 2022 Mazda 3 is $885. However, Kemper Auto | Infinity offers the cheapest rates, averaging $316 per year.
| 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
The average annual insurance cost for a 2021 Mazda 3 is $905. However, Safeco offers the cheapest rates, averaging $315 per year.
| 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
The average annual insurance cost for a 2020 Mazda 3 is $1,106. However, Mercury Insurance offers the cheapest rates, averaging $366 per year.
| 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
The average annual insurance cost for a 2019 Mazda 3 is $938. However, Mercury Insurance offers the cheapest rates, averaging $696 per year.
| 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
The average annual insurance cost for a 2018 Mazda 3 is $741. However, Kemper Auto Premier offers the cheapest rates, averaging $327 per year.
| 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
The average annual insurance cost for a 2017 Mazda 3 is $801. However, Kemper Auto Premier offers the cheapest rates, averaging $242 per year.
| 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 |
Find Affordable Mazda 3 Insurance Rates
2016 Mazda 3 Insurance Rates
The average annual insurance cost for a 2016 Mazda 3 is $775. However, Jupiter Auto Insurance offers the cheapest rates, averaging $188 per year.
| 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
The average annual insurance cost for a 2015 Mazda 3 is $769. However, Kemper Personal Insurance offers the cheapest rates, averaging $309 per year.
| 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
The average annual insurance cost for a 2014 Mazda 3 is $635. However, Jupiter Auto Insurance offers the cheapest rates, averaging $144 per year.
| 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
The average annual insurance cost for a 2013 Mazda 3 is $661. However, Jupiter Auto Insurance offers the cheapest rates, averaging $80 per year.
| 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
The average annual insurance cost for a 2012 Mazda 3 is $457. However, Kemper Personal Insurance offers the cheapest rates, averaging $110 per year.
| 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
The average annual insurance cost for a 2011 Mazda 3 is $378. However, Jupiter Auto Insurance offers the cheapest rates, averaging $153 per year.
| 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
The average annual insurance cost for a 2010 Mazda 3 is $416. However, NatGen Custom 360 offers the cheapest rates, averaging $166 per year.
| 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 |
Is A Mazda 3 Expensive To Insure?
The cost to insure a Mazda 3 is lower than the overall average for all cars. However, the exact amount you’ll pay depends on various factors, including your age, the car’s model year, your location, driving history, and the level of coverage you choose. Comparing quotes from multiple providers can help you find the best rate for your specific situation.
Cost of Mazda 3 By Age
Age is a key factor in determining car insurance rates. Teenagers generally pay the highest premiums due to their higher likelihood of being involved in accidents. As drivers gain more experience and maintain a clean record, their insurance costs typically decrease. Older, more experienced drivers are seen as lower risk, leading to more affordable rates over time.
| 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
Your location plays a crucial role in determining your Mazda 3 insurance rates. Each state has its own regulations, which can affect the minimum coverage required and overall costs. For example, Michigan tends to have higher premiums due to its no-fault insurance system and higher coverage requirements.
Additionally, factors such as local crime rates, accident statistics, and climate conditions also impact insurance costs. Areas prone to extreme weather—like hurricanes, flooding, or hailstorms—may see higher premiums due to increased risks. Similarly, cities with high rates of car theft or accidents typically have higher insurance costs compared to rural areas with lower incident rates.
Insurance providers consider all these factors when determining your exact insurance premium.
| 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 |
Find Affordable Mazda 3 Car Insurance Rates
Cheapest Car Insurance Companies For A Mazda 3
If you’re looking for the most affordable insurance policy for your Mazda 3, it’s essential to compare different providers. ACG offers the lowest average rate at $55 per month, making it a budget-friendly option. However, insurance premiums vary based on factors such as your driving history, location, age, and coverage needs.
To ensure you’re getting the best rate for your specific profile, it’s recommended to shop around and compare quotes from multiple insurance companies. This way, you can find the most competitive rate while ensuring you have the coverage that meets your needs.
| Company | Average Monthly Rate |
| ACG | $28 |
| American Family | $44 |
| Foremost | $45 |
| Encompass | $45 |
| CaliforniaCasualty | $43 |
Common Mazda 3 Car Insurance Discounts
Discounts are an excellent way to reduce your car insurance costs. While each provider offers different discount options, some common ones you may qualify for include:
- Multi-policy discount – Bundling your home and auto insurance with the same provider can lead to savings.
- Pay-in-full discount – Paying your premium in one lump sum instead of monthly installments may lower your rate.
- Defensive driving discount – Completing a certified defensive driving course can make you eligible for additional savings.
Other discounts may be available depending on your insurer. Speaking with your insurance agent is the best way to explore all potential savings opportunities.
Ways To Save On Mazda 3 Car Insurance Costs
Maintaining a clean driving record is one of the best ways to keep your Mazda 3 insurance costs low. Traffic violations or accidents can lead to higher premiums. Drivers with a ticket may pay around $102 per month, while those with multiple accidents can expect rates to rise to $124 per month.
Your annual mileage also impacts your insurance rates. Lower mileage generally means lower premiums since it reduces accident risk. Drivers who log 5,000 to 7,500 miles per year typically pay $83 per month, whereas those driving over 10,000 miles per year might pay around $92 per month. By keeping a clean record and monitoring your mileage, you can minimize your Mazda 3 insurance costs.
Compare Mazda 3 To Other Mazda Models
Our Methodology
To determine the average cost of car insurance, Insuranceopedia analyzed thousands of quotes from top auto insurance providers. The sample profile used for these calculations was a 40-year-old male driver purchasing full-coverage insurance with coverage limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, individual rates may vary based on factors such as location, driving history, and specific coverage choices.
FAQs
Do You Need Insurance Before You Can Purchase A Mazda 3?
Yes, you must provide proof of insurance before driving your Mazda 3 off the dealership lot. The best approach is to purchase a policy in advance and inform your insurance provider about your upcoming car purchase, rather than opting for insurance through the dealership.
How Can You Get The Cheapest Insurance For Your Mazda 3?
The best way to find the cheapest rates for your Mazda 3 is by shopping around and comparing quotes from various auto insurance companies. Fortunately, Insuranceopedia offers a platform where you can compare quotes from multiple providers to help you find the best deal for your needs.
