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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.
Table of Contents
The average Mazda 3 auto insurance rates are $1,400 a year or $117 a month.
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 |
However, there are a few things you can do to find the cheapest Mazda insurance rates online.
The Mazda 3 trim and model you choose can impact the total price you will pay for Mazda 3 insurance coverage.
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 |
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.
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 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.
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 | |
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 | ||||
|---|---|---|---|---|
The safety features of the Mazda 3 can impact your Mazda 3 auto insurance rates. The Mazda 3 has the following safety features:
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 | |
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.
You have more options at your disposal to save money on your Mazda 3 auto insurance costs. For example, try these five tips:
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 | |||
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.
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