Model year drives Mazda3 insurance costs more than almost any other variable. A 2025 Mazda3 averages $252 a month. Older versions average $62. Newer models cost more to insure because they cost more to replace.
Mazda3 Insurance Cost
Key Takeaways
GEICO offers the most affordable Mazda3 insurance on average, though full coverage costs vary widely by model year and insurer, averaging $162 monthly nationwide. Read more
Sedans cost less to insure than other vehicle types due to better safety ratings and lower repair costs, with the Mazda3 ranking 69th out of 199 sedans for affordability in the US market. Read more
Your Mazda3's specific model year makes a big difference in insurance rates, especially if you're adding a teen driver to your policy. Read MoneyGeek's analysis of rates by company for specific 3 model years, depending on the age of the drivers
How Much Is Mazda3 Insurance?
Insurer choice is the other major variable. Full coverage costs $137 a month with Travelers and $301 with AIG. Minimum coverage is $55 with GEICO and $145 with UAIC.
A $90 gap on minimum coverage and a $164 gap on full coverage indicate different underwriting models. Getting multiple quotes is the only way to find your lowest rate.
| AAA | $95 | $198 |
| AIG | $122 | $301 |
| Allstate | $109 | $210 |
| Amica | $107 | $218 |
| Chubb | $114 | $224 |
| Farmers | $124 | $219 |
| Geico | $55 | $118 |
| Kemper | $88 | $178 |
| Nationwide | $91 | $157 |
| Progressive | $84 | $156 |
| State Farm | $79 | $165 |
| The Hartford | $96 | $164 |
| Travelers | $75 | $137 |
| UAIC | $145 | $182 |
Is Mazda3 Expensive to Insure?
The Mazda3 ranks 69th for affordability among 199 sedans in MoneyGeek's database. It sits just above the Volkswagen Jetta and just below the Nissan Versa.
Across all 827 models in the database, the Mazda3 ranks 244th, which puts it in the top half for affordability overall. Sedans as a category price reasonably. The Saturn S-Series is the cheapest sedan to insure; the Cadillac CTS-V is the most expensive.
| Infiniti G-Series | $122 | 66 |
| Kia Rio | $122 | 67 |
| Volkswagen Jetta | $122 | 68 |
| Mazda 3 | $122 | 69 |
| Nissan Versa | $123 | 70 |
| Ford Focus | $123 | 71 |
| Hyundai Azera | $123 | 72 |
- Average repair costs. At $553 a year, the Mazda3 is the second-cheapest Mazda model to maintain among Mazda's 17 vehicles. Lower repair costs translate directly to lower claim payouts, which keeps premiums in check.
- Trim, features and accessories. The Mazda3's power output ranges from 155 to 250 horsepower depending on trim. Higher-output trims carry more expensive parts and a higher accident risk profile, both of which push premiums up.
- Driver profile. Mazda3 drivers tend to fall between ages 30 and 50, with a median around 40, a bracket insurers treat as lower risk. Younger drivers pay more regardless of the vehicle.
Mazda3 Insurance Cost by State
Wyoming drivers pay $31 a month for minimum coverage on a Mazda3. Louisiana drivers pay $169. That difference reflects state-level differences in claims frequency, litigation rates and insurance regulations.
| Alabama | $70 | $133 |
| Alaska | $60 | $128 |
| Arizona | $100 | $187 |
| Arkansas | $67 | $150 |
| California | $79 | $160 |
| Colorado | $81 | $193 |
| Connecticut | $116 | $200 |
| Delaware | $118 | $198 |
| Florida | $108 | $249 |
| Georgia | $126 | $207 |
| Hawaii | $45 | $101 |
| Idaho | $45 | $92 |
| Illinois | $75 | $141 |
| Indiana | $54 | $106 |
| Iowa | $46 | $110 |
| Kansas | $58 | $136 |
| Kentucky | $103 | $174 |
| Louisiana | $169 | $363 |
| Maine | $42 | $88 |
| Maryland | $128 | $217 |
| Massachusetts | $86 | $181 |
| Michigan | $126 | $243 |
| Minnesota | $68 | $141 |
| Mississippi | $70 | $139 |
| Missouri | $96 | $191 |
| Montana | $58 | $137 |
| Nebraska | $60 | $137 |
| Nevada | $151 | $274 |
| New Hampshire | $58 | $103 |
| New Jersey | $139 | $229 |
| New Mexico | $68 | $152 |
| New York | $103 | $186 |
| North Carolina | $69 | $136 |
| North Dakota | $49 | $106 |
| Ohio | $63 | $122 |
| Oklahoma | $76 | $169 |
| Oregon | $102 | $178 |
| Pennsylvania | $70 | $165 |
| Rhode Island | $103 | $183 |
| South Carolina | $86 | $160 |
| South Dakota | $44 | $133 |
| Tennessee | $64 | $130 |
| Texas | $104 | $211 |
| Utah | $91 | $154 |
| Vermont | $37 | $89 |
| Virginia | $79 | $128 |
| Washington | $77 | $142 |
| West Virginia | $71 | $144 |
| Wisconsin | $53 | $117 |
| Wyoming | $31 | $97 |
Mazda3 Costs by Model Year and Insurance Company
A 2016 Mazda3 costs an average of $192 monthly to insure for drivers aged 35 to 55, while a 2025 model jumps to $250 per month for full coverage. Insurance costs for your Mazda3 may change greatly depending on your model year and the age of the drivers on your policy. Newer car models are more expensive than older models, and young drivers in their teens and early twenties will pay much more to insure.
GEICO is the cheapest insurer across all model years.
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Mazda3
| Geico | $69 | $151 |
| Nationwide | $93 | $162 |
| Travelers | $94 | $173 |
| Progressive | $97 | $180 |
| National General | $101 | $206 |
| State Farm | $110 | $230 |
| Kemper | $122 | $251 |
| The Hartford | $127 | $217 |
| AAA | $131 | $273 |
| Allstate | $138 | $267 |
| Amica | $152 | $313 |
| AIG | $173 | $437 |
| Chubb | $177 | $352 |
| Farmers | $178 | $316 |
| UAIC | $181 | $229 |
Cost of Car Insurance for 2024 Mazda3
| Geico | $66 | $143 |
| Nationwide | $88 | $154 |
| Travelers | $89 | $164 |
| Progressive | $92 | $171 |
| National General | $95 | $196 |
| State Farm | $104 | $218 |
| Kemper | $115 | $238 |
| The Hartford | $121 | $206 |
| AAA | $124 | $258 |
| Allstate | $131 | $254 |
| Amica | $144 | $297 |
| AIG | $164 | $415 |
| Chubb | $168 | $334 |
| Farmers | $169 | $299 |
| UAIC | $171 | $217 |
Cost of Car Insurance for 2023 Mazda3
| Geico | $54 | $117 |
| Nationwide | $72 | $125 |
| Travelers | $73 | $134 |
| Progressive | $75 | $139 |
| National General | $78 | $160 |
| State Farm | $85 | $178 |
| Kemper | $94 | $194 |
| The Hartford | $98 | $168 |
| AAA | $102 | $211 |
| Allstate | $107 | $207 |
| Amica | $118 | $242 |
| AIG | $134 | $339 |
| Chubb | $137 | $273 |
| Farmers | $138 | $244 |
| UAIC | $140 | $177 |
Cost of Car Insurance for 2022 Mazda3
| Geico | $51 | $112 |
| Nationwide | $69 | $119 |
| Travelers | $69 | $128 |
| Progressive | $71 | $133 |
| National General | $74 | $152 |
| State Farm | $81 | $170 |
| Kemper | $90 | $185 |
| The Hartford | $94 | $160 |
| AAA | $97 | $201 |
| Allstate | $102 | $197 |
| Amica | $112 | $231 |
| AIG | $128 | $323 |
| Chubb | $130 | $260 |
| Farmers | $131 | $233 |
| UAIC | $133 | $169 |
Cost of Car Insurance for 2021 Mazda3
| Geico | $46 | $100 |
| Nationwide | $62 | $107 |
| Travelers | $62 | $114 |
| Progressive | $64 | $119 |
| National General | $66 | $136 |
| State Farm | $73 | $152 |
| Kemper | $80 | $166 |
| The Hartford | $84 | $143 |
| AAA | $87 | $180 |
| Allstate | $91 | $177 |
| Amica | $101 | $206 |
| AIG | $114 | $289 |
| Chubb | $117 | $233 |
| Farmers | $117 | $208 |
| UAIC | $119 | $151 |
Cost of Car Insurance for 2020 Mazda 3
| Geico | $55 | $119 |
| National General | $70 | $144 |
| Travelers | $77 | $142 |
| Progressive | $88 | $164 |
| State Farm | $91 | $190 |
| Kemper | $100 | $203 |
| AAA | $102 | $211 |
| The Hartford | $103 | $176 |
| Nationwide | $106 | $183 |
| Allstate | $107 | $206 |
| Amica | $109 | $223 |
| Chubb | $120 | $238 |
| AIG | $129 | $323 |
| Farmers | $135 | $239 |
| UAIC | $145 | $182 |
Cost of Car Insurance for 2019 Mazda3
| Geico | $48 | $105 |
| National General | $64 | $131 |
| Travelers | $68 | $124 |
| Progressive | $74 | $138 |
| State Farm | $82 | $171 |
| Nationwide | $94 | $163 |
| AAA | $95 | $196 |
| Allstate | $96 | $186 |
| The Hartford | $97 | $165 |
| Amica | $100 | $204 |
| Kemper | $101 | $206 |
| Chubb | $110 | $218 |
| AIG | $119 | $297 |
| Farmers | $120 | $212 |
| UAIC | $135 | $168 |
Cost of Car Insurance for 2018 Mazda3
| Geico | $44 | $95 |
| National General | $55 | $113 |
| Travelers | $62 | $113 |
| Progressive | $68 | $128 |
| State Farm | $74 | $153 |
| AAA | $84 | $175 |
| Nationwide | $86 | $148 |
| Amica | $87 | $177 |
| The Hartford | $89 | $151 |
| Allstate | $92 | $176 |
| Chubb | $93 | $183 |
| Kemper | $98 | $202 |
| AIG | $104 | $258 |
| Farmers | $108 | $191 |
| UAIC | $123 | $154 |
Cost of Car Insurance for 2017 Mazda3
| Geico | $55 | $119 |
| National General | $68 | $139 |
| Travelers | $79 | $145 |
| State Farm | $82 | $171 |
| Progressive | $98 | $184 |
| Kemper | $102 | $207 |
| AAA | $102 | $211 |
| Nationwide | $105 | $180 |
| Amica | $107 | $219 |
| Chubb | $107 | $212 |
| The Hartford | $108 | $184 |
| Allstate | $117 | $226 |
| AIG | $124 | $305 |
| Farmers | $134 | $237 |
| UAIC | $151 | $189 |
Cost of Car Insurance for 2016 Mazda3
| Geico | $54 | $117 |
| National General | $67 | $137 |
| Travelers | $79 | $145 |
| State Farm | $79 | $164 |
| Kemper | $96 | $194 |
| AAA | $100 | $207 |
| Progressive | $100 | $188 |
| Nationwide | $103 | $178 |
| Chubb | $104 | $205 |
| Amica | $106 | $216 |
| The Hartford | $106 | $181 |
| Allstate | $117 | $225 |
| AIG | $122 | $298 |
| Farmers | $133 | $234 |
| UAIC | $149 | $186 |
Mazda3 Insurance Cost by Trim
Mazda3 insurance costs range from $252 monthly for full coverage on high-performance variants like the 2.5 Turbo Premium Plus down to just $62 for minimum coverage on basic models like the 2.0 Sedan 4d. Performance features and market value determine where your trim falls in this range.
| 2.0 Sedan 4d | $62 | $121 |
| 2.5 S Sedan 4d | $66 | $129 |
| Grand Touring Hatchback 4d | $67 | $130 |
| 2.5 S Hatchback 4d | $69 | $135 |
| Grand Touring Sedan 4d | $70 | $137 |
| Select Hatchback 4d | $71 | $138 |
| I Sedan 4d | $71 | $136 |
| Touring 2.5 Hatchback 4d | $73 | $141 |
| Sedan 4d | $75 | $146 |
| Select Sedan 4d | $76 | $147 |
| I Sv Sedan 4d | $77 | $148 |
| S Sedan 4d | $78 | $151 |
| S Hatchback 4d | $79 | $151 |
| I Sport Sedan 4d | $79 | $153 |
| Preferred Sedan 4d | $79 | $154 |
| I Touring Sedan 4d | $80 | $154 |
| Preferred Hatchback 4d | $80 | $155 |
| Carbon Edition Sedan 4d | $80 | $156 |
| I Sport Hatchback 4d | $80 | $155 |
| Premium Sedan 4d | $81 | $157 |
| I Touring Hatchback 4d | $81 | $155 |
| Hatchback 4d | $81 | $157 |
| S Sport Hatchback 4d | $81 | $156 |
| Mazdaspeed3 Touring Hatchback 4d | $81 | $157 |
| 2.5 Turbo Sedan 4d | $81 | $159 |
| I Touring Value Sedan 4d | $83 | $159 |
| Sport Hatchback 4d | $83 | $160 |
| S Grand Touring Sedan 4d | $83 | $161 |
| I Grand Touring Sedan 4d | $84 | $161 |
| S Touring Sedan 4d | $84 | $161 |
| S Sport Sedan 4d | $84 | $162 |
| Carbon Edition Hatchback 4d | $84 | $165 |
| Sp Hatchback 4d | $85 | $163 |
| I Grand Touring Hatchback 4d | $87 | $167 |
| S Touring Hatchback 4d | $87 | $167 |
| 2.5 S | $89 | $173 |
| 2.5 Turbo Hatchback 4d | $89 | $173 |
| Mazdaspeed3 Sport Hatchback 4d | $89 | $171 |
| S Grand Touring Hatchback 4d | $90 | $173 |
| Premium Hatchback 4d | $90 | $175 |
| Touring Hatchback 4d | $90 | $174 |
| 2.5 S Select Sport | $91 | $177 |
| Touring Sedan 4d | $91 | $175 |
| Sp Sedan 4d | $92 | $176 |
| Premium Plus Sedan 4d | $92 | $179 |
| Premium Plus Hatchback 4d | $96 | $188 |
| 2.5 S Preferred | $96 | $188 |
| Sport Sedan 4d | $98 | $189 |
| Mazdaspeed3 Grand Touring Hatchback 4d | $102 | $196 |
| 2.5 S Carbon Edition | $107 | $208 |
| 2.5 S Premium | $111 | $217 |
| 2.5 Carbon Turbo | $116 | $226 |
| 2.5 Turbo Premium Plus | $129 | $252 |
How to Lower the Cost of Mazda3 Insurance
Here are the most effective ways to lower your insurance costs:
- 1Choose the right coverage
Coverage needs depend on how you own the Mazda3. Paid off: state minimum liability plus comprehensive and collision at a $1,000 deductible is the baseline. Financed or leased: lenders require 100/300/100 liability limits, comprehensive and collision at a $500 deductible and gap insurance.
If you own outright and want higher liability limits, 100/300/100 with a $500 deductible is the step up.
- 2Know what you should be paying
Average auto insurance costs for compact sedans give you a baseline before you start getting quotes. Without that reference point, an above-market quote looks competitive. Our data on the cheapest car insurance companies shows which carriers price low for Mazda3 drivers specifically.
- 3Check insurer quality, not just price
A low quote from an insurer with poor claims handling isn't a deal. Before committing, check J.D. Power satisfaction ratings, AM Best financial stability scores and BBB complaint records. Forum discussions on claims processing surface problems that don't appear in formal ratings. Our data on the best car insurance companies covers all of those factors together.
- 4Find every discount you qualify for
Mazda3 owners commonly qualify for safety feature discounts, good driver credits, multi-vehicle savings and bundling discounts when combining auto with home insurance. The full list of car insurance discounts shows what's available and which ones stack.
- 5Consider usage-based insurance
Progressive Snapshot and Allstate Drivewise monitor speed, braking and mileage, then price the policy on actual driving behavior. Mazda3 drivers who keep mileage low and drive conservatively tend to come out ahead on these programs.
- 6Check rates annually
Insurers don't flag when competitors drop their rates. Comparing quotes at each renewal catches pricing shifts before they compound.
Mazda3 Insurance Cost: Bottom Line
Mazda3 insurance costs less than average, making it an affordable choice for drivers. You'll find decent rates by shopping multiple insurers and claiming available discounts for your coverage needs.
Mazda3 Insurance Rates: FAQ
What is the average cost of car insurance for a Mazda3?
Insurance costs average $1,007 annually for state minimum coverage and $1,947 for full coverage. The Mazda3 ranks 69th out of 199 sedans for insurance affordability, placing it in the more affordable half of its category.
What company has the cheapest car insurance for a Mazda3 ?
GEICO offers the most affordable minimum coverage for a Mazda3 at $660 per year. Drivers seeking full coverage find the best rates with Travelers at $1,644 per year.
Are Mazda3 cars expensive to insure?
No, Mazda3 insurance is not expensive compared to most vehicles. Among sedans specifically, this model places 69th out of 199 for affordability, ranking in the more affordable half of its category.
What factors affect insurance costs for a Mazda3?
The Mazda3 averages $123 a month, which is below the national average. Driving record, credit score, coverage level, location and age all move that figure. The vehicle's low repair costs ($553 a year) are the main reason it prices below many comparably sized sedans.
How can I lower Mazda3 insurance costs?
Start with quotes from at least three insurers because the $164 full coverage gap between Travelers and AIG shows how wide Mazda3 pricing spreads. Stack available discounts: good driver, multi-vehicle and bundling home or renters insurance are the highest-value options. Usage-based programs like Progressive Snapshot cut costs further for lower-mileage drivers with clean habits.
How We Determined Mazda3 Insurance Costs
Mazda3 cost estimates are drawn from hundreds of millions of quote estimates for U.S. models sold from 2000 to 2025. Data are from Quadrant Information Services. Rates reflect a 40-year-old unmarried male driver with a clean record, no prior claims, a good credit score, a valid license with no suspensions and 12,000 miles driven annually.
Coverage definitions. Minimum coverage reflects state-required liability limits. Full coverage is 100/300/100 liability plus comprehensive and collision with $1,000 deductibles.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!