Mazda 3 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Mazda 3 costs less than most other cars to insure.
• Liability car insurance for a 3 comes in at about $83 a month, while full coverage typically tends to be around $170.
• AmericanAlliance is the lowest insurance carrier for a 3.

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3 Overview

The Mazda 3 is a great budget-friendly option for any driver, with base prices starting at just $22,700 for 2021 models. There are five different trim levels currently available, so there's something there for every driver.

Based on thousands of auto insurance quotes from Compare.com, we've found that average Mazda 3 insurance premiums run about $162 per month. But how does that fare against its competitors?

How Much is Car Insurance for a Mazda 3?

If you look at the table above, you'll find that compared to other vehicles, Mazda 3 insurance rates are right around average. 3 drivers can expect to pay about $170 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $83 per month for liability only insurance (discover more about the difference with our guide "State Minimum vs. Full Coverage").

Comparing it to other models, the 3 is slightly more expensive, with prices more than 5% higher than other vehicles in Mazda's lineup. But 3 insurance is less expensive than average when compared to other vehicles of a similar body style, with full coverage insurance rates coming in at $7 less than other cars and liability insurance prices averaging exactly the same rates.

Compared to all vehicles, regardless of body style, make, or model, liability only premiums run around the same for the 3, while full coverage car insurance is slightly more expensive than average.

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Who has the Cheapest Car Insurance for a Mazda 3?

Browsing for an auto insurance policy for your Mazda 3? You're probably wondering which company offers the most affordable prices. While there will never be one carrier that offers the cheapest rates for everyone, the lowest average rates for liability only insurance are sometimes just $20 a month from ACG. With car insurance as little as just $34 monthly, Foremost is the next most affordable auto insurance company.

Rounding out the list are CaliforniaCasualty, American Family, and Encompass. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

Insurance companies take a range of different things into consideration when calculating how much to charge you. The only way to guarantee you find the cheapest rates is to compare quotes from a wide array of insurance carriers.

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What Factors Affect Car Insurance Rates for a Mazda 3?

There are several factors that auto insurance companies take into account to choose how much to charge you for car insurance -- and every carrier weighs certain pieces more than others, so there's not a singular company that's the lowest for everyone.

The following sections show quite a few variables insurance carriers use to calculate rates:

Vehicle Age

The Mazda 3 has been around for a while -- that means vehicle age will likely play a role in what you end up paying for auto insurance. Usually, it costs less to insure older cars because they're worth less than newer models, and as time goes on and 3s begin to depreciate, insurance costs will gradually get lower.

According to the table above, the Mazda 3 bucks the trend, as the cheapest models to insure are those that are 2 to 3 years old, while on average, the most expensive 3s are 11 to 14 years old.

Your Age

Your age is another variable that makes a big difference in how much car insurance companies will charge for a policy. Based on the information in the table above, drivers who have more experience on the road have more affordable prices compared to teenage 3 drivers. Mazda 3 drivers under 18 actually pay more than twice as much as those 25 or older.

Auto insurance prices continue to go down as you get older, with the cheapest age group for 3 drivers being 55-64.

Your Gender

Because women are less likely to get into collisions and get tickets, they have a lower chance of filing a claim with insurance. So, insurance carriers will tend to offer women more affordable premiums. When it comes to 3 drivers specifically, men pay about $4 more than women a month for insurance.

Where You Live

You may think it's obvious that factors such as what vehicle you drive and how old you are play a role in your auto insurance rates, but you may not realize that where you live matters just as much. Car insurance is regulated on the state level and not nationally, so premiums can vary quite a bit from state to state.

For example, the average Mazda 3 owner from New York pays around $189 per month for liability coverage. Meanwhile, on average, the same driver from California will pay less than 50% of that price. The table above shows average prices for the 10 largest states by population, just to give you a good idea of how much rates can change across states.

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Mazda 3 Car Insurance Discounts

No matter what state you call home, which car you drive, or how old you are, using as many discounts as possible when it comes to your car insurance is always important when shopping around for a policy.

Not every auto insurance carrier will offer the same discounts, but there are a few that are relatively common. These include discounts like:

• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution
• Multi-policy discounts for getting both your home and auto policies from the same company
• Pay-in-full discounts for agreeing to pay your entire policy rate up front, rather than by monthly payments

These are just a few of the discounts car insurance companies offer, and sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like not having recent insurance claims, avoiding lapses in coverage, and driving safely.

Although you can't control every single aspect of your insurance profile (like some of the factors we mentioned above), there is quite a bit that you do have control over. Below are just a few of the things you can use to your favor when it comes to saving cash:

Your Driving Record

You've probably heard ads from auto insurance carriers promoting big savings for responsible drivers. And you probably wouldn't be surprised that if you get speeding tickets or get into an accident, car insurance prices will go higher. But how much will they cost you?

Looking at the table above, you'll notice that accidents will usually cost 3 drivers more than tickets, but both will cause a significant increase in rates. Mazda 3 drivers with one ticket will pay an average of $91 monthly, while drivers with a single accident on their record pay about $97 every month (up $14 from the $83/mo. overall average). The rates only increase the more tickets you get or collisions you have.

How Much You Drive

Another factor that plays a role in your insurance premiums is the total amount of miles you drive. Those who are on the roads less are less likely to get speeding tickets, so they'll normally end up paying less for auto insurance. Above, you can see that Mazda 3 owners who drive 10,000 miles or more pay $84 for car insurance, while those who drive fewer than 2,500 miles per year pay about $75 a month.

If you don't use your Mazda 3 that often, you might consider getting a usage-based or pay-per-mile insurance policy. With these plans, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Mazda 3s Compare to Other Vehicles?

If you're considering buying a new car and a Mazda 3 is on your shortlist, you're probably wondering how it compares to other vehicles. Auto insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth considering carefully.

Check out the table below to see how the Mazda 3 stacks up:

As you can see, a Mazda 3 is a great value when it comes to overall price tag. The 3 has an MSRP of $22,700, which is quite a bit lower than the national average vehicle price of $46,296.

Although the 3's price is on the low end of the spectrum, car insurance rates are slightly higher when compared to other vehicles on the market. Full coverage insurance for a Mazda 3 is about $29 per month more than average, while liability only coverage is $2 cheaper per month.

When it comes to usage, Mazda 3 owners drive about the same amount annually as the national average, with 12,073 miles each year compared to 11,617 for all vehicles.

Mazda 3 Car Insurance Costs by Model Year

Thus far, you've seen how different variables have an impact on how much the average driver pays to insure a Mazda 3. If you're considering purchasing a new 3, having a good idea of how much you'll likely pay can be extremely valuable as you weigh your options.

Choose Your Model

2021 Mazda 3 Car Insurance 2020 Mazda 3 Car Insurance 2019 Mazda 3 Car Insurance 2018 Mazda 3 Car Insurance 2017 Mazda 3 Car Insurance 2016 Mazda 3 Car Insurance 2015 Mazda 3 Car Insurance 2014 Mazda 3 Car Insurance 2013 Mazda 3 Car Insurance 2012 Mazda 3 Car Insurance 2011 Mazda 3 Car Insurance 2010 Mazda 3 Car Insurance

2021 Mazda 3 Car Insurance

On average, drivers who own a 2021 3 can expect to pay $79 to $198 monthly for liability only and full coverage insurance, respectively.

With rates as low as just $17 per month, Hugo offered the lowest policy we found for the 2021 Mazda 3.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2020 Mazda 3 Car Insurance

You can expect full coverage for a 2020 Mazda 3 to run around $176 a month, while liability only coverage will average about $79 monthly.

We found Hugo offered the most affordable policy, with rates sometimes as low as $20 a month.

Interested in what your auto insurance premium could look like? Just enter your ZIP code below to get lots of personalized quotes for free.

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2019 Mazda 3 Car Insurance

2019 3 drivers can expect to pay an average of $91 monthly for liability or $205 for full coverage.

Liberty Mutual has premiums sometimes as cheap as $16 per month for the 2019 Mazda 3.

If you want to know exactly how much you can expect to pay for your 3, just enter your ZIP code below and get several free quotes in minutes.

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2018 Mazda 3 Car Insurance

The average cost to insure a 2018 Mazda 3 with liability only coverage is $74 monthly, while full coverage runs around $176 per month.

If you're looking for the most affordable 2018 Mazda 3 insurance policy, Hugo offered the cheapest policy we found, with rates sometimes as little as $17 a month.

If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.

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2017 Mazda 3 Car Insurance

It costs about $81 per month for liability or $180 for a full coverage policy for the 2017 3.

Hugo offered the most affordable policy we found, with rates as little as $16 monthly.

Want to know exactly what your insurance premium will be? Just enter your ZIP code below to get a variety of free personalized quotes.

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2016 Mazda 3 Car Insurance

The average cost to insure a 2016 Mazda 3 with liability only coverage is $80 a month, while full coverage runs around $172 monthly.

With prices as cheap as $16 per month, Hugo offered the cheapest policy we found.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2015 Mazda 3 Car Insurance

It costs about $76 a month for liability or $164 for a full coverage policy for the 2015 3.

Looking for the lowest policy? StateAuto offered liability only coverage for as low as $18 monthly.

Interested in exactly how much you'll pay? Get multiple personalized quotes for free by just entering your ZIP code below.

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2014 Mazda 3 Car Insurance

On average, drivers who own a 2014 Mazda 3 can expect to pay $82 to $164 a month for liability only and full coverage car insurance, respectively.

We found Aspire offered the cheapest policy, with rates as cheap as just $17 per month.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

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2013 Mazda 3 Car Insurance

You can expect full coverage for a 2013 3 to run around $166 monthly, while liability only coverage will average about $69 a month.

With rates as low as just $17 per month, MetroMile offered the most affordable policy we found.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

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2012 Mazda 3 Car Insurance

2012 Mazda 3 drivers can expect to pay an average of $78 monthly for liability or $160 for full coverage.

StateAuto has premiums sometimes as cheap as $17 a month for the 2012 Mazda 3.

If you want to find the best prices for insurance for a 2012 Mazda 3, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2011 Mazda 3 Car Insurance

The average cost to insure a 2011 3 with liability only coverage is $84 per month, while full coverage runs around $175 a month.

If you're looking for the lowest possible 2011 Mazda 3 insurance policy, Liberty Mutual offered the lowest policy we found, with rates as little as $20 per month.

If you're looking for a more exact figure on what you should pay for car insurance for a 2011 Mazda 3, you can get free quotes in minutes by just entering your ZIP code below.

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2010 Mazda 3 Car Insurance

2010 Mazda 3 drivers can expect to pay an average of $87 monthly for liability or $171 for full coverage.

With rates as cheap as $16 a month, Liberty Mutual offered the most affordable policy we found for the 2010 Mazda 3.

What will your auto insurance rate be? Just enter your ZIP code below to get several free customized quotes.

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Mazda 3 Insurance FAQs

Is a Mazda 3 expensive to insure?

Liability insurance runs an average of $83 per month, while full coverage will cost you around $170. Compared to the national average of all cars, premiums come in on the cheaper end of the spectrum.

How can I get the best price on car insurance for my Mazda 3?

There's only one way to make sure you're getting the cheapest rates -- regularly shopping around and getting quotes. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from numerous companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Mazda 3 affect my insurance premiums?

You might have heard the old adage that red cars cost more to insure than cars of other colors, but that's actually a myth. There are a variety of things car insurance carriers examine when they offer you a premium, but the color of your Mazda 3 is not used to make that determination.

Do I need to have insurance before I buy a Mazda 3?

Before you can legally drive your new (or new to you) 3 off the dealership lot, you'll need to have valid insurance for it. As part of the buying process, some dealerships may offer you a car insurance policy, but the best thing to do when buying a a new car is to talk with your auto insurance carrier beforehand.

What car insurance discounts can I get for my Mazda 3?

You will find many different discounts out there for insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are based less on your vehicle and more on you, but if your 3 has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may be eligible for certain discounts. You'll only know about which discounts you qualify for if you get in touch with your insurance company and ask about their discounts.