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 Mazda3? 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.

Mazda3 car insurance facts

  • Average full coverage auto insurance premium: $112/month

  • Most affordable companies: GEICO ($82/month) & Tennessee Farmers ($88/month)

  • Mazda3 car insurance cost vs. average rates: $63 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Mazda3 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 Mazda3 insurer costs by state:

Risk factors affecting Mazda3 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 Mazda3 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 Mazda3 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 ToyotaHonda, 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 Mazda3 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 Mazda3

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1627
Allstate$1349
American Family$1167
Erie$1084
GEICO$987
Kentucky Farm Bureau$1436
Liberty Mutual$1141
Mercury$1262
Nationwide$1430
Progressive$1135
Safeco$1749
State Farm$1340
Tennessee Farmers$1030
Texas Farm Bureau$1326
The Hanover$1549
Travelers$1389
USAA$1216

Compare all 2021 Mazda Mazda3 rates

Average Cost to Insure Per Year

$1337

List Price

$20650

Trims Available

Sport - Touring - Grand Touring - Base Engine: 155-horsepower 2.0-liter four-cylinder 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 Mazda3

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1580
Allstate$1311
American Family$1126
Erie$1035
Farmers$1430
GEICO$955
Liberty Mutual$1077
Mercury$1240
Nationwide$1406
Progressive$1056
State Farm$1305
Tennessee Farmers$986
Texas Farm Bureau$1271
The Hanover$1541
Travelers$1328
USAA$1130

Compare all 2020 Mazda Mazda3 rates

Average Cost to Insure Per Year

$1329

List Price

$21500

Trims Available

Sport - Touring - Grand Touring - Base Engine: 155-horsepower 2.0-liter four-cylinder 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 Mazda3

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1571
Allstate$1324
American Family$1087
Erie$1021
GEICO$930
Kentucky Farm Bureau$1429
Liberty Mutual$1056
Mercury$1149
Nationwide$1428
Progressive$1055
State Farm$1319
Tennessee Farmers$965
Texas Farm Bureau$1305
The Hanover$1540
Travelers$1350
USAA$1106

Compare all 2019 Mazda Mazda3 rates

Average Cost to Insure Per Year

$1287

List Price

$21000

Trims Available

Sport - Touring - Grand Touring - Base Engine: 155-horsepower 2.0-liter four-cylinder 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 Mazda3

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1158
Acuity$ 1158
Allied$ 1168
Allied$ 1168
American Family$ 1080
American Family$ 1080
Country$ 1185
Country$ 1185
Erie$ 838
Erie$ 838
GEICO$ 621
GEICO$ 621
Nationwide$ 1038
Nationwide$ 1038
Progressive$ 925
Progressive$ 925
State Farm$ 736
State Farm$ 736
Tennessee Farmers$ 1169
Tennessee Farmers$ 1169
USAA$ 754
USAA$ 754
Vermont Mutual$ 1078
Vermont Mutual$ 1078

Compare all 2018 Mazda Mazda3 rates

Average Cost to Insure Per Year

$ 1062

List Price

$ 18095

Trims Available

Sport - Touring - Grand Touring

2017 Mazda Mazda3

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1142
Acuity$ 1142
American Family$ 1073
American Family$ 1073
Erie$ 806
Erie$ 806
GEICO$ 548
GEICO$ 548
Nationwide$ 1088
Nationwide$ 1088
Plymouth Rock Insurance$ 1164
Plymouth Rock Insurance$ 1164
Progressive$ 965
Progressive$ 965
State Farm$ 784
State Farm$ 784
Tennessee Farmers$ 1041
Tennessee Farmers$ 1041
Texas Farm Bureau$ 837
Texas Farm Bureau$ 837
USAA$ 779
USAA$ 779
Vermont Mutual$ 1033
Vermont Mutual$ 1033

Compare all 2017 Mazda Mazda3 rates

Average Cost to Insure Per Year

$ 1043

List Price

$ 17845

Trims Available

i Grand Touring - i Touring - s Touring - Sport - Touring - Touring 2.5 - Grand Touring

2016 Mazda Mazda3

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1072
Acuity$ 1072
American Family$ 930
American Family$ 930
Country$ 1021
Country$ 1021
Erie$ 744
Erie$ 744
GEICO$ 421
GEICO$ 421
Nationwide$ 1026
Nationwide$ 1026
Progressive$ 744
Progressive$ 744
State Farm$ 665
State Farm$ 665
Tennessee Farmers$ 955
Tennessee Farmers$ 955
Texas Farm Bureau$ 865
Texas Farm Bureau$ 865
USAA$ 673
USAA$ 673
Vermont Mutual$ 1006
Vermont Mutual$ 1006

Compare all 2016 Mazda Mazda3 rates

Average Cost to Insure Per Year

$ 891

List Price

$ 17845

Trims Available

i Sport - i Touring - i Grand Touring - s Grand Touring - s Touring

2015 Mazda Mazda3

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1070
Acuity$ 1070
American Family$ 988
American Family$ 988
Country$ 1066
Country$ 1066
Erie$ 722
Erie$ 722
GEICO$ 491
GEICO$ 491
Nationwide$ 1079
Nationwide$ 1079
Progressive$ 827
Progressive$ 827
State Farm$ 697
State Farm$ 697
Tennessee Farmers$ 957
Tennessee Farmers$ 957
Texas Farm Bureau$ 832
Texas Farm Bureau$ 832
USAA$ 668
USAA$ 668
Vermont Mutual$ 970
Vermont Mutual$ 970

Compare all 2015 Mazda Mazda3 rates

Average Cost to Insure Per Year

$ 928

List Price

$ 16945

Trims Available

i SV - i Sport - i Touring - i Grand Touring - s Touring - s Grand Touring

2014 Mazda Mazda3

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1046
Acuity$ 1046
American Family$ 1056
American Family$ 1056
Country$ 1107
Country$ 1107
Erie$ 704
Erie$ 704
GEICO$ 522
GEICO$ 522
Plymouth Rock Insurance$ 1070
Plymouth Rock Insurance$ 1070
Progressive$ 901
Progressive$ 901
State Farm$ 792
State Farm$ 792
Tennessee Farmers$ 972
Tennessee Farmers$ 972
Texas Farm Bureau$ 794
Texas Farm Bureau$ 794
USAA$ 708
USAA$ 708
Vermont Mutual$ 916
Vermont Mutual$ 916

Compare all 2014 Mazda Mazda3 rates

Average Cost to Insure Per Year

$ 968

List Price

$ 16945

Trims Available

i SV - i Sport - i Touring - i Grand Touring - s Touring - s Grand Touring

2013 Mazda Mazda3

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$ 1023
Allstate$ 1023
American Family$ 951
American Family$ 951
Erie$ 668
Erie$ 668
GEICO$ 471
GEICO$ 471
Nationwide$ 1031
Nationwide$ 1031
Plymouth Rock Insurance$ 1027
Plymouth Rock Insurance$ 1027
Progressive$ 754
Progressive$ 754
State Farm$ 631
State Farm$ 631
Tennessee Farmers$ 938
Tennessee Farmers$ 938
Texas Farm Bureau$ 817
Texas Farm Bureau$ 817
USAA$ 594
USAA$ 594
Vermont Mutual$ 935
Vermont Mutual$ 935

Compare all 2013 Mazda Mazda3 rates

Average Cost to Insure Per Year

$ 853

List Price

$ 16700

Trims Available

i SV - i Sport - i Touring - i Grand Touring - s Grand Touring

2012 Mazda Mazda3

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 978
Acuity$ 978
Allstate$ 970
Allstate$ 970
American Family$ 907
American Family$ 907
Erie$ 632
Erie$ 632
GEICO$ 421
GEICO$ 421
Nationwide$ 978
Nationwide$ 978
Progressive$ 744
Progressive$ 744
State Farm$ 576
State Farm$ 576
Tennessee Farmers$ 888
Tennessee Farmers$ 888
Texas Farm Bureau$ 729
Texas Farm Bureau$ 729
USAA$ 567
USAA$ 567
Vermont Mutual$ 876
Vermont Mutual$ 876

Compare all 2012 Mazda Mazda3 rates

Average Cost to Insure Per Year

$ 805

List Price

$ 15200

Trims Available

i SV - i Sport - i Touring - s Touring - s Grand Touring - i Grand Touring

2011 Mazda Mazda3

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$ 1010
Allstate$ 1010
American Family$ 965
American Family$ 965
Arbella$ 1026
Arbella$ 1026
Erie$ 648
Erie$ 648
GEICO$ 495
GEICO$ 495
Plymouth Rock Insurance$ 981
Plymouth Rock Insurance$ 981
Progressive$ 723
Progressive$ 723
State Farm$ 667
State Farm$ 667
Tennessee Farmers$ 926
Tennessee Farmers$ 926
Texas Farm Bureau$ 780
Texas Farm Bureau$ 780
USAA$ 597
USAA$ 597
Vermont Mutual$ 846
Vermont Mutual$ 846

Compare all 2011 Mazda Mazda3 rates

Average Cost to Insure Per Year

$ 857

List Price

$ 15800

Trims Available

i SV - i Sport - i Touring - s Sport - s Grand Touring