Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Mazda CX-3? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Mazda CX-3 insurance facts

  • Average full coverage auto insurance premium: $119/month

  • Most affordable companies: Nationwide ($76/month) & Progressive ($78/month)

  • CX-3 insurance cost vs. average rates: $44 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Mazda CX-3 by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Mazda CX-3 insurer costs by state:

Risk factors affecting Mazda CX-3 car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Mazda CX-3 car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Mazda models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Mazda automobile brand

Mazda Motor Corporation referred to as Mazda, is a Japanese multinational automaker’s vehicle brand specializing in fuel-efficient, sporty and affordable cars for the United States market. The target market of Mazda is urban youth of the middle and upper-middle class. Mazda focuses on advanced technology, top-of-the-line design elements, and affordability. All Mazda automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Mazda CX-5, MX-5 Miata, and the Mazda 6 are some of their most popular vehicles.

Lower than average Mazda CX-3 repair costs equal lower coverage rates

Many consumers are attracted to Mazda’s top line design elements, increased fuel efficiency, and driver-assist technologies, like Mazda’s Active Safety Technology. Automotive parts are common and less expensive than popular vehicles, like the Toyota, Honda, or Subaru. Repairing a Mazda is lower than average since repair parts are less costly. For this reason, many Mazda’s are going to have lower than average car insurance rates to similar cars in their class.

Rapid depreciation for Mazda CX-3 affecting auto policies

Another factor to consider for Mazdas is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Mazda models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Mazda is known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as the Lane Keep Assist System (LAS), and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Mazda models. The Mazda 3 Hatchback, CX-3, CX-4, and CX-9 are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Mazda automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Mazda automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Mazda CX-3

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1601
Allied$1638
Allstate$1409
American Family$1229
Amica$1757
Country Financial$1488
Erie$1130
GEICO$1199
Kentucky Farm Bureau$1506
Liberty Mutual$1170
Mercury$1376
Nationwide$926
Progressive$1022
State Farm$1080
Tennessee Farmers$1316
Texas Farm Bureau$1224
The Hanover$1533
Travelers$1459

Compare all 2021 Mazda CX-3 rates

Average Cost to Insure Per Year

$1427

List Price

$20790

Trims Available

Sport - Touring - Grand Touring - Base Engine: 148-horsepower 2.0-liter four-cylinder engine with Mazda I-Activsense Technologies including automated emergency braking, blind-spot monitoring, and rear cross-traffic alert, lane-departure warning, adaptive cruise control, Smart City Brake Support, Active and Passive safety features: Hill Launch Assist, Rearview Camera, Driver Attention Alert Traction Control System, Child Safety Door Locks, Dynamic Stability Control, Mazda Radar Cruise Control w/Stop & Go, Engine-Immobilizer Anti-Theft System

2020 Mazda CX-3

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1580
Allstate$1354
American Family$1216
Country Financial$1426
Erie$1127
GEICO$1171
Kentucky Farm Bureau$1430
Liberty Mutual$1169
Mercury$1329
Nationwide$913
Progressive$987
State Farm$1064
Tennessee Farmers$1287
Texas Farm Bureau$1214
The Hanover$1467
Travelers$1406

Compare all 2020 Mazda CX-3 rates

Average Cost to Insure Per Year

$1359

List Price

$20640

Trims Available

Sport - Touring - Grand Touring - Base Engine: 148-horsepower 2.0-liter four-cylinder engine with Mazda I-Activsense Technologies including automated emergency braking, blind-spot monitoring, and rear cross-traffic alert, lane-departure warning, adaptive cruise control, Smart City Brake Support, Active and Passive safety features: Hill Launch Assist, Rearview Camera, Driver Attention Alert Traction Control System, Child Safety Door Locks, Dynamic Stability Control, Mazda Radar Cruise Control w/Stop & Go, Engine-Immobilizer Anti-Theft System

2019 Mazda CX-3

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1573
Allstate$1307
American Family$1138
Country Financial$1325
Erie$965
GEICO$1035
Kentucky Farm Bureau$1367
Liberty Mutual$1005
Mercury$1245
Nationwide$850
Progressive$897
State Farm$936
Tennessee Farmers$1160
Texas Farm Bureau$1060
The Hanover$1430
Travelers$1329

Compare all 2019 Mazda CX-3 rates

Average Cost to Insure Per Year

$1321

List Price

$20390

Trims Available

Sport - Touring - Grand Touring - Base Engine: 148-horsepower 2.0-liter four-cylinder engine with Mazda I-Activsense Technologies including automated emergency braking, blind-spot monitoring, and rear cross-traffic alert, lane-departure warning, adaptive cruise control, Smart City Brake Support, Active and Passive safety features: Hill Launch Assist, Rearview Camera, Driver Attention Alert Traction Control System, Child Safety Door Locks, Dynamic Stability Control, Mazda Radar Cruise Control w/Stop & Go, Engine-Immobilizer Anti-Theft System

2018 Mazda CX-3

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1498
Allstate$1254
American Family$1124
Country Financial$1326
Erie$927
GEICO$1034
Kentucky Farm Bureau$1345
Liberty Mutual$987
Mercury$1189
Nationwide$823
Progressive$860
State Farm$925
Tennessee Farmers$1151
Texas Farm Bureau$1059
The Hanover$1427
Travelers$1283

Compare all 2018 Mazda CX-3 rates

Average Cost to Insure Per Year

$1260

List Price

$20110

Trims Available

Sport - Touring - Grand Touring - Base Engine: 148-horsepower 2.0-liter four-cylinder engine with Mazda I-Activsense Technologies including automated emergency braking, blind-spot monitoring, and rear cross-traffic alert, lane-departure warning, adaptive cruise control, Smart City Brake Support, Active and Passive safety features: Hill Launch Assist, Rearview Camera, Driver Attention Alert Traction Control System, Child Safety Door Locks, Dynamic Stability Control, Mazda Radar Cruise Control w/Stop & Go, Engine-Immobilizer Anti-Theft System

2017 Mazda CX-3

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1068
Acuity$ 1068
Allied$ 1000
Allied$ 1000
Arbella$ 1098
Arbella$ 1098
Erie$ 902
Erie$ 902
GEICO$ 948
GEICO$ 948
Plymouth Rock Insurance$ 1014
Plymouth Rock Insurance$ 1014
Progressive$ 1101
Progressive$ 1101
State Farm$ 1068
State Farm$ 1068
Tennessee Farmers$ 868
Tennessee Farmers$ 868
Texas Farm Bureau$ 804
Texas Farm Bureau$ 804
USAA$ 964
USAA$ 964
Vermont Mutual$ 914
Vermont Mutual$ 914

Compare all 2017 Mazda CX-3 rates

Average Cost to Insure Per Year

$ 1058

List Price

$ 19960

Trims Available

Sport - Touring - Grand Touring

2016 Mazda CX-3

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 998
Allied$ 998
American Family$ 1031
American Family$ 1031
Erie$ 734
Erie$ 734
GEICO$ 535
GEICO$ 535
Nationwide$ 949
Nationwide$ 949
Plymouth Rock Insurance$ 984
Plymouth Rock Insurance$ 984
Progressive$ 747
Progressive$ 747
State Farm$ 859
State Farm$ 859
Tennessee Farmers$ 815
Tennessee Farmers$ 815
Texas Farm Bureau$ 775
Texas Farm Bureau$ 775
USAA$ 813
USAA$ 813
Vermont Mutual$ 906
Vermont Mutual$ 906

Compare all 2016 Mazda CX-3 rates

Average Cost to Insure Per Year

$ 916

List Price

$ 19960

Trims Available

Sport - Touring - Grand Touring