Mazda CX-3 Car Insurance Cost 2025
Getting insurance for a Mazda CX-3 costs $1,270 per year, on average. However, the exact cost can vary depending on factors such as your age, the model year of your car, your location, and the level of coverage you select. You can use our quote tables below to get a more personalized estimate based on your specific circumstances.
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The Mazda CX-3 is a compact crossover SUV known for its sporty styling and efficient performance, and insuring it tends to be more budget-friendly than many larger vehicles. On average, drivers can expect to pay around $1,270 per year for full coverage insurance on a 2025 Mazda CX-3. However, actual rates vary depending on factors like driving history, location, age, and chosen coverage limits. Thanks to its safety features and relatively low repair costs, the CX-3 often qualifies for competitive insurance rates. Comparing quotes from multiple insurers can help drivers find the best deal tailored to their profile and needs.
How Much Does Mazda CX-3 Car Insurance Cost?
Typically, Mazda CX-3 drivers can find car insurance at an average rate of $1,270 per year. However, the actual cost can vary depending on factors such as age, driving history, location, and the coverage options you choose.
It’s important to understand that car insurance costs can differ greatly due to several influencing factors. These include your location, driving history, the age and model of your car, and the level of coverage you choose. Having a clean driving record can lower your premiums, while a history of accidents or violations could increase them.
Living in an urban area with more traffic usually means higher insurance rates compared to rural areas with less congestion. Additionally, the type of insurance coverage you select plays a role—comprehensive insurance, which covers both comprehensive and collision, tends to be more expensive than minimum liability coverage.
For the Mazda CX-3, insurance rates are generally lower compared to other Mazda models, and more affordable than the average insurance cost for all cars. To help you find the best deal, Insuranceopedia offers tools to compare quotes from different providers, ensuring you get the most suitable and cost-effective coverage for your needs.
| Vehicle | Average Monthly Premium |
| Mazda CX-3 | $159 |
| All Mazdas | $163 |
| All Cars | $175 |
Average Insurance Cost Of Mazda CX-3 By Model Year
| Model Year | Average Premium |
| 2025 Mazda CX-3 | $1,366 |
| 2024 Mazda CX-3 | $1,668 |
| 2022 Mazda CX-3 | $826 |
| 2021 Mazda CX-3 | $914 |
| 2020 Mazda CX-3 | $1,084 |
| 2019 Mazda CX-3 | $570 |
| 2018 Mazda CX-3 | $723 |
| 2017 Mazda CX-3 | $720 |
| 2016 Mazda CX-3 | $651 |
2025 Mazda CX-3 Insurance Rates
The average annual insurance cost for a 2025 Mazda CX-3 is $1,366. However, Erie offers the cheapest rates, averaging $1,136 per year.
| Insurance Provider | Average Annual Cost |
| Erie | $1,136 |
| USAA | $1,248 |
| Progressive | $1,320 |
| Geico | $1,380 |
| Allstate | $1,560 |
| State Farm | $1,200 |
| Nationwide | $1,320 |
| Farmers | $1,440 |
| Liberty Mutual | $1,500 |
| American Family Insurance | $1,560 |
2024 Mazda CX-3 Insurance Rates
The average annual insurance cost for a 2024 Mazda CX-3 is $1,668. However, Metropolitan offers the cheapest rates, averaging $960 per year.
| Insurance Provider | Average Annual Cost |
| Metropolitan | $960 |
| Allstate | $1,315 |
| National Farmers Union P | $1,437 |
| Farmers | $2,959 |
2022 Mazda CX-3 Insurance Rates
The average annual insurance cost for a 2022 Mazda CX-3 is $1,668. However, Buckeye Insurance Group offers the cheapest rates, averaging $761 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $761 |
| Direct Auto | $983 |
| Auto-Owners Insurance Co | $947 |
| Motorists Mutual | $903 |
| Safeco | $200 |
| Erie | $857 |
| Hastings Mutual Insurance Co | $671 |
| American Family | $994 |
| Ohio Mutual Ins Group | $1,011 |
| National General Value | $928 |
2021 Mazda CX-3 Insurance Rates
The average annual insurance cost for a 2021 Mazda CX-3 is $1,668. However, Kemper Auto | Infinity offers the cheapest rates, averaging $719 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto | Infinity | $719 |
| Farm Bureau Mutual (IA Group) | $1,317 |
| Texas Farm Bureau Group | $1,102 |
| Pekin Insurance | $979 |
| Safeco | $175 |
| Westfield | $828 |
| Mercury Insurance | $517 |
| SECURA Insurance | $1,224 |
| National Grange Mutual | $1,234 |
| Countryway Insurance | $1,042 |
2020 Mazda CX-3 Insurance Rates
The average annual insurance cost for a 2020 Mazda CX-3 is $1,084. However, Wolverine Mutual offers the cheapest rates, averaging $997 per year.
| Insurance Provider | Average Annual Cost |
| Wolverine Mutual | $997 |
| Western Reserve | $1,338 |
| Kemper Auto | Infinity | $1,203 |
| Safeco | $1,076 |
| Pekin Insurance | $636 |
| SECURA Insurance | $1,039 |
| Buckeye Insurance Group | $796 |
| Safety Group | $1,277 |
| Capital Insurance Group | $1,311 |
| Indiana Farmers Mutual Ins | $1,169 |
2019 Mazda CX-3 Insurance Rates
The average annual insurance cost for a 2019 Mazda CX-3 is $570. However, American National P offers the cheapest rates, averaging $398 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $398 |
| United Farm Bureau of IN Group | $856 |
| Rural Mutual Insurance | $792 |
| AssuranceAmerica Mobile Max | $610 |
| Safeco | $119 |
| Kemper Auto | $480 |
| Mercury Insurance | $96 |
| Buckeye Insurance Group | $794 |
| Norfolk and Dedham Group | $850 |
| West Bend Mutual | $704 |
2018 Mazda CX-3 Insurance Rates
The average annual insurance cost for a 2018 Mazda CX-3 is $723. However, Mercury Insurance offers the cheapest rates, averaging $559 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $559 |
| Celina Insurance Group | $998 |
| Western Reserve | $929 |
| Ohio Mutual Ins Group | $717 |
| Safeco | $188 |
| Texas Farm Bureau Group | $692 |
| National General Value | $497 |
| Buckeye Insurance Group | $940 |
| Concord Group | $982 |
| NatGen PPA | $729 |
2017 Mazda CX-3 Insurance Rates
The average annual insurance cost for a 2017 Mazda CX-3 is $720. However, AssuranceAmerica Mobile Max offers the cheapest rates, averaging $702 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $702 |
| Oregon Mutual | $944 |
| Capital Insurance Group | $808 |
| National General Value | $726 |
| Mercury Insurance | $246 |
| Texas Farm Bureau Group | $737 |
| NatGen Custom 360 | $656 |
| Direct Auto | $813 |
| Kemper Auto | $830 |
| Safety Group | $736 |
2016 Mazda CX-3 Insurance Rates
The average annual insurance cost for a 2016 Mazda CX-3 is $651. However, Dairyland FR Bond offers the cheapest rates, averaging $430 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland FR Bond | $430 |
| SafeAuto | $893 |
| North Carolina Farm Bureau | $777 |
| Western Reserve | $726 |
| Safeco | $264 |
| Buckeye Insurance Group | $661 |
| National General Value | $343 |
| Clearcover | $811 |
| NatGen PPA | $830 |
| Ohio Mutual Ins Group | $775 |
Find Affordable Mazda CX-3 Insurance Rates
Is A Mazda CX-3 Expensive To Insure?
The Mazda CX-3 is generally considered affordable to insure compared to other subcompact SUVs. The average annual insurance cost for a Mazda CX-3 is approximately $1,904, which is about $991 less than the national average for popular SUV models . However, insurance premiums can vary based on several factors, including the driver’s age, location, driving history, and the specific model year of the vehicle. For instance, a younger driver or someone with a less favorable driving record may face higher premiums. It’s advisable for prospective Mazda CX-3 owners to obtain personalized insurance quotes to determine the most accurate costs for their specific circumstances.
Cost of Mazda CX-3 Car Insurance By Age
Age is a key factor in determining car insurance rates. Teenagers usually face the highest premiums because they are statistically more likely to be involved in accidents. As you age and gain more driving experience, your premiums typically decrease since you’re considered a lower risk. Drivers in their 30s and 40s often see the most affordable rates, as they have a proven track record of safe driving. However, premiums tend to rise again for drivers in their 60s and beyond, as older drivers may experience slower reaction times or other health-related risks.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,453 | $9,462 | $11,100 |
| 18 | $6,042 | $8,807 | $10,345 |
| 19 | $5,328 | $7,775 | $9,123 |
| 20 | $4,623 | $6,820 | $7,949 |
| 21 | $3,868 | $5,686 | $6,671 |
| 22 | $3,773 | $5,557 | $6,482 |
| 23 | $3,301 | $4,847 | $5,656 |
| 24 | $3,139 | $4,633 | $5,400 |
| 25 | $2,717 | $4,001 | $4,619 |
| 30 | $2,107 | $3,095 | $3,644 |
| 35 | $1,955 | $2,892 | $3,371 |
| 40 | $1,875 | $2,759 | $3,267 |
| 45 | $1,807 | $2,716 | $3,201 |
| 55 | $1,698 | $2,455 | $2,872 |
| 65 | $1,746 | $2,616 | $3,048 |
| 75 | $2,268 | $3,264 | $3,847 |
Mazda CX-3 Car Insurance Rates By State
Where you live has a significant impact on your car insurance rates. Each state has its own regulations, which can affect premiums. For example, drivers in Michigan tend to pay more because the state requires higher levels of coverage. Additionally, your region’s climate plays a role—states with extreme weather like hurricanes, storms, and flooding may have higher insurance costs due to increased risks. Local crime rates, including car thefts, as well as accident and fatality statistics, also influence your insurance premiums. Areas with higher crime or more frequent accidents are considered higher risk, leading to higher rates.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,009 | $2,915 | $3,694 |
| Alaska | $1,673 | $2,332 | $2,255 |
| Arizona | $1,859 | $2,767 | $4,049 |
| Arkansas | $2,066 | $3,216 | $3,575 |
| California | $2,272 | $4,069 | $2,293 |
| Colorado | $2,152 | $3,018 | $3,816 |
| Connecticut | $2,730 | $4,275 | $5,405 |
| Delaware | $2,255 | $3,036 | $3,896 |
| Florida | $2,712 | $3,731 | $4,862 |
| Georgia | $2,169 | $3,325 | $3,314 |
| Hawaii | $862 | $1,174 | $865 |
| Idaho | $1,544 | $2,062 | $2,467 |
| Illinois | $1,611 | $2,432 | $2,792 |
| Indiana | $1,656 | $2,526 | $2,790 |
| Iowa | $1,312 | $1,836 | $2,103 |
| Kansas | $1,705 | $2,545 | $2,939 |
| Kentucky | $2,521 | $3,691 | $4,339 |
| Louisiana | $3,219 | $4,870 | $5,261 |
| Maine | $1,259 | $1,716 | $2,526 |
| Maryland | $1,965 | $2,851 | $3,201 |
| Massachusetts | $1,587 | $2,800 | $1,569 |
| Michigan | $3,814 | $5,799 | $9,158 |
| Minnesota | $1,579 | $2,120 | $2,951 |
| Mississippi | $1,903 | $2,686 | $2,751 |
| Missouri | $1,747 | $2,547 | $3,323 |
| Montana | $1,835 | $2,515 | $2,945 |
| Nebraska | $1,573 | $2,258 | $2,466 |
| Nevada | $2,525 | $3,756 | $3,971 |
| New Hampshire | $1,775 | $2,792 | $3,507 |
| New Jersey | $1,960 | $3,068 | $3,968 |
| New Mexico | $1,966 | $2,931 | $3,068 |
| New York | $1,816 | $2,293 | $3,866 |
| North Carolina | $1,128 | $1,974 | $1,386 |
| North Dakota | $1,594 | $2,375 | $2,785 |
| Ohio | $1,398 | $2,148 | $2,190 |
| Oklahoma | $2,221 | $3,174 | $3,589 |
| Oregon | $2,004 | $2,701 | $3,246 |
| Pennsylvania | $1,699 | $2,476 | $2,902 |
| Rhode Island | $2,824 | $4,157 | $4,676 |
| South Carolina | $1,909 | $2,684 | $3,669 |
| South Dakota | $1,737 | $2,479 | $2,862 |
| Tennessee | $2,037 | $2,972 | $3,981 |
| Texas | $2,088 | $2,945 | $3,657 |
| Utah | $1,752 | $2,435 | $3,355 |
| Vermont | $1,330 | $2,052 | $2,178 |
| Virginia | $1,223 | $1,916 | $1,911 |
| Washington | $1,708 | $2,253 | $2,709 |
| West Virginia | $1,685 | $2,395 | $3,050 |
| Wisconsin | $1,701 | $2,595 | $2,985 |
| Wyoming | $1,552 | $2,183 | $2,326 |
Find Affordable Mazda CX-3 Insurance Rates
Cheapest Car Insurance Companies For A Mazda CX-3
Insuring a 2025 Mazda CX-3 is generally affordable compared to other subcompact SUVs. Based on available data, the average annual insurance premium for a Mazda CX-3 is approximately $1,271, though this can vary depending on factors such as the driver’s profile, location, and the specific model year .
| Company | Average Monthly Rate |
| Erie | $53 |
| USAA | $61 |
| Progressive | $66 |
| Geico | $69 |
| Allstate | $78 |
Common Mazda CX-3 Insurance Discounts
Discounts can significantly help lower your car insurance costs. While each provider offers unique discounts, here are some common ones you can look into:
- Multi-policy discount: If you bundle your home and auto insurance policies with the same provider, you could get a reduced rate.
- Pay annually: Opting to pay your premium all at once, instead of monthly installments, may lead to discounts.
- Defensive driving: Completing a defensive driving course from a certified institution can make you eligible for a discount.
Additionally, many providers offer other discounts based on factors like vehicle safety features, good driving behavior, and more. Be sure to speak with your insurance agent to explore all the discounts available to you!
Ways To Save On Mazda CX-3 Insurance Costs
Maintaining a clean driving record is one of the most effective ways to keep your Mazda CX-3 insurance costs low. Traffic violations, such as speeding tickets, and being involved in accidents can result in higher premiums.
For instance, Mazda CX-3 drivers with a speeding ticket on their record can expect to pay around $65 per month for insurance, while those with multiple accidents may face an average monthly premium of $100. To avoid these increases, it’s important to maintain a safe driving record.
Additionally, your annual mileage plays a role in your insurance rate. Drivers who cover less distance tend to pay lower premiums since they are considered to be at a reduced risk of accidents. Mazda CX-3 drivers who drive between 7,501-10,000 miles per year can expect to pay approximately $89 per month, while those who drive more than 10,000 miles per year typically pay $78 per month.
Compare Mazda CX-3 To Other Mazda Models
Our Methodology
Insuranceopedia calculated average car insurance costs by aggregating thousands of quotes from leading auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage car insurance with the following coverage limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, it's important to note that your personal insurance rates may vary depending on several factors, such as your age, location, driving history, the car model, and the specific coverage options you select.
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FAQs
Do You Need Insurance Before You Can Purchase A Mazda CX-3?
Yes, you will need to provide proof of insurance before driving your Mazda CX-3 out of the dealership. The best way to handle this is by purchasing a policy in advance and then informing your insurance company that you are about to buy the car. This way, you can avoid getting insurance through the dealership, which may not always offer the best rates or coverage options.
How Can You Get The Cheapest Insurance For Your Mazda CX-3 ?
The best way to find the cheapest rates for your Mazda CX-3 is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia makes this easy by allowing you to compare quotes from multiple providers directly on our website, helping you find the best deal tailored to your needs.
