Compare the Cost of Mazda3 Insurance by Model Year and Company

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Updated: January 15, 2025

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Age is one of the influencers of auto insurance rates for any car, including a Mazda3.

For example, a 2009 Mazda3 costs, on average, $1,284 annually for a 40-year-old driver with full coverage, but a 16-year-old pays a whopping $5,938 for the same coverage.

For a 2022 model, a 16-year-old spends an average of $6,956 per year with full coverage, while a 40-year-old only pays a budget-friendly average premium of $1,538.

Although cost is essential when choosing an insurance carrier, MoneyGeek evaluated the best Mazda3 insurance companies based on affordability, claims management and customer satisfaction.

Key Takeaways

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When it comes to finding the cheapest insurance for a Mazda3, affordability alongside quality service is crucial. Based on the provided data, here are the most budget-friendly insurers for both full and minimum coverage:

Full Coverage Insurance for a Mazda3:
For affordable full coverage, State Farm emerges as the clear winner. It offers the most competitive rates across different scenarios:

- **Average Premium for All Drivers: $**1,055 per year
- **For a 40-Year-Old Driver (2022 Model): $**1,229 per year
- **For a 16-Year-Old Driver: $**3,952 per year

Farmers is the most expensive option for full coverage, costing approximately $1,715 annually for general rates and up to $9,795 for a 16-year-old driver, making it a less economical choice for tight budgets.

Minimum Coverage Insurance for a Mazda3:
State Farm also stands out as the most affordable for minimum coverage:

- **Average Minimum Coverage Premium: $**487 per year

Meanwhile, Farmers charges an average of $785 per year for the same minimal coverage, making it the most costly option in this category as well.

Highlights:
- State Farm is consistently the affordable choice for both full and minimum coverage across various driver profiles, maintaining a balance of low cost and high customer satisfaction.
- Opting for State Farm can result in significant savings, especially for younger drivers or those with newer car models.

In conclusion, if affordability is your primary concern, State Farm offers the most economical options for insuring a Mazda3 without compromising on service quality. As insurance costs can vary by location and personal factors, obtaining personalized quotes remains essential to secure the best rate possible.

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Based on the data provided, State Farm is highlighted as the best car insurance provider for a Mazda3. It stands out with a MoneyGeek score of 90 out of 100, which indicates strong performance in affordability, claims handling, and customer satisfaction. State Farm offers competitive rates for full coverage policies, providing the cheapest insurance cost for both a 2009 model and a 2022 Mazda3.

Key Highlights for State Farm:
- MoneyGeek Score: 90 out of 100
- Average Annual Premiums:
- 2009 Mazda3: $960 per year for full coverage
- 20**22 Mazda3: $1,229 per year for full coverage
- Overall Average for Mazda3: $1,**055 per year for full coverage

Additionally, for younger drivers, particularly 16-year-olds, State Farm remains the most affordable option with an annual premium of approximately $3,952 for full coverage. 

Overall, while cost is a significant consideration, State Farm balances affordability with excellent customer satisfaction and claims handling, making it the top choice for insuring a Mazda3 according to MoneyGeek's analysis.

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Age is a significant factor impacting car insurance premiums, with younger drivers generally facing higher costs due to inexperience and increased risk. For a Mazda3, insurance premiums vary considerably based on the driver's age, as demonstrated by the rates for a 16-year-old driver compared to a 40-year-old driver.

Insurance Premiums for 16-Year-Old vs. 40-Year-Old Drivers

#2009 Mazda3 Model:
- 16-Year-Old Driver: On average, a 16-year-old pays $5,938 annually for full coverage.
- 40-Year-Old Driver: A 40-year-old pays approximately $1,284 annually for the same coverage.

#2022 Mazda3 Model:
- 16-Year-Old Driver: The average premium is $6,956 per year.
- 40-Year-Old Driver: The premium reduces significantly to $1,538 per year.

Trend of Decreasing Rates Over Time
Insurance costs for young drivers like 16-year-olds are notably higher due to their increased likelihood of accidents. However, these rates decrease over time, typically stabilizing when drivers reach their 20s. For instance, the insurance cost for a Mazda3 averages $6,312 per year for a 16-year-old, compared to $1,376 for a 40-year-old driver, further highlighting this trend. As drivers gain experience and demonstrate responsible driving habits, insurers perceive them as less risky, leading to reduced premiums.

State Farm and Farmers Comparison:
For a Mazda3, State Farm offers the most affordable rates for both teens and adults:
- 16-Year-Old Driver: State Farm charges around $3,952, whereas Farmers costs about $9,795.
- Premium Savings: Including a teen on a family policy can provide substantial savings compared to an individual teen policy.

Other Influencers on Insurance Costs
In addition to age, factors such as the model year of the vehicle, the selected insurance provider, and geographical location also influence insurance premiums. For instance, newer models like the 2022 Mazda3 are generally more expensive to insure than older ones due to their higher market value. 

Considerations Beyond Cost
While cost is crucial, insurance quality factors like claims management, customer satisfaction, and provider reputation (as rated by MoneyGeek) should inform the decision-making process. For instance, State Farm and GEICO receive high scores for their balance of affordability and service quality, making them top choices for insuring a Mazda3.

In summary, age significantly impacts car insurance premiums, with costs decreasing as drivers gain experience. It's advisable for young drivers to be added to family policies to lower costs, and for all drivers to compare rates and consider both expense and service quality when selecting an insurance provider for their Mazda3.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

Why do we need ZIP code?

Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze the average rates for a Mazda3.

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These rates were updated to reflect the average cost of car insurance for a Mazda3 as of 2023.

10Companies Compared
 
41,832 Quotes Analyzed

Average Cost and Cheapest Companies for Insuring a Mazda3

Mazda3 auto insurance costs around $1,424 yearly, but the provider you select can influence your actual cost significantly.

At an average yearly cost of $1,055, State Farm provides the cheapest auto insurance for a Mazda3 for a full coverage policy. Meanwhile, Farmers is the priciest, costing about $1,715 for the same coverage.

For Mazda3 drivers with a minimum coverage policy, State Farm is still the most affordable insurer, at around $487 per year, whereas Farmers remains the most expensive, costing an average of $785 per year.

Data filtered by:Results filtered by:
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Age:40
Select
Coverage:Full Coverage
State Farm$1,055
GEICO$1,135
Travelers$1,376
Allstate$1,433
Nationwide$1,457
Progressive$1,503
Farmers$1,715

Is a Mazda3 Expensive to Insure?

Insurance companies consider several factors when determining a premium for a Mazda3, such as safety ratings and the sedan’s value.

The Mazda3 car insurance cost is moderate for a compact car. It received an overall excellent crash test rating and has a low theft rate and restrained horsepower. It’s also an inexpensive car to purchase (the 2022 MSRP was $21,865), which means repairs or replacement may cost less, reducing the risk an insurer takes on. All of the aforementioned often lead to a lower cost for auto insurance.

However, some cars may cost more than others in their class for various reasons that only insurance companies are privy to, as seems to be the case with the Mazda3, which is why it is not cheap to insure.

Best Companies for Insuring a Mazda3

Although the cost of insuring a Mazda3 plays a vital role when selecting a company, it should not be your only consideration. The best auto insurance providers also offer a good customer experience. MoneyGeek analyzed insurers based on the key factors contributing to a positive experience: customer satisfaction, claims handling and affordability.

Our findings show that the top insurers for a Mazda3 are:

  • State Farm: MoneyGeek score of 90 out of 100 ($1,055 per year)
  • GEICO: MoneyGeek score of 89 out of 100 ($1,135 per year)

State Farm features the lowest premium and second-highest customer satisfaction for a Mazda3.

MoneyGeek Top Pick: State Farm

State Farm

pros

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The average cheapest full coverage policy for Mazda3 drivers

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Has good customer satisfaction

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Provides add-on rental car and travel reimbursement coverage and roadside assistance

cons

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Offers no unique coverage options

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Lacks accident forgiveness and gap insurance

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Low claims management rating

COMPANY HIGHLIGHTS

State Farm is an attractive insurer for Mazda3 drivers looking for an affordable full coverage policy and quality service. With this insurer, you will not need to sacrifice quality to stay on budget — the company ranked the highest for affordability and second-highest for customer satisfaction.

State Farm offers add-on coverage options that may benefit Mazda3 owners. One is the emergency roadside assistance that may be of value to those in need of towing, locksmith and other services after a covered breakdown.

Another add-on from State Farm is rental car and travel expenses reimbursement, which pays for a rental car after a covered claim up to policy limits and, in some circumstances, up to $500 in meals, transportation and accommodation after the policyholder is in an accident.

Read MoneyGeek's State Farm Auto Insurance Review

MoneyGeek Runner-Up: GEICO

GEICO

pros

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Affordable full coverage Mazda3 premium

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Third-best rating for customer satisfaction

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Offers mechanical breakdown insurance (MBI), rental car reimbursement and roadside assistance

cons

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Lacks new car replacement, deductible modification and gap insurance

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Below-average claims handling

COMPANY HIGHLIGHTS

GEICO ranked second in affordability and third in customer satisfaction, making it our runner-up for Mazda3 owners in need of an insurer that blends cost and reliable customer service.

GEICO provides several add-on coverages that help policyholders, including MBI, rental car reimbursement and roadside assistance. Mechanical breakdown insurance covers costly repairs for all systems and parts, offering a cheaper alternative than dealer-extended warranties.

GEICO’s roadside assistance is handy during emergencies, such as flat tires, shortage of oil or gas or a dead battery. The company’s rental car coverage pays for a rental car, up to policy limits, if your Mazda3 becomes unusable for more than 24 hours after a covered accident.

Cost of Insuring a Mazda3 by Model Year

A full coverage policy for a 2009 Mazda3 costs about $1,284 per year, whereas a 2022 model costs around $1,538.

As you can see above, the average cost of car insurance varies for a Mazda3 based on the model year of the sedan. As a general rule, insurance for newer models tends to cost more than for older ones since the value of a new vehicle is higher. As the value depreciates, so should the cost of auto insurance.

Data filtered by:Results filtered by:
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Age:40
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Coverage:Full Coverage
2022$1,538
2021$1,511
2020$1,447
2019$1,439
2018$1,405
2017$1,368
2016$1,386
2015$1,379
2014$1,324
2013$1,325
2012$1,299
2011$1,265
2010$1,288
2009$1,284

Along with your car’s model year, the insurer you select could influence your Mazda3 insurance costs, but we found it does not change for this sedan.

For a 2009 model, State Farm offers the lowest average full coverage auto insurance at $960 per year and is also the cheapest for a 2022 model, costing around $1,229 annually.

The same insurer is not always the cheapest for each model year, and your motor vehicle record and age will affect what you pay, too. You can determine the best cheap insurer for your needs by shopping around and comparing quotes.

Data filtered by:Results filtered by:
Select
Model Year:2022
Select
Age:40
Select
Coverage:Full Coverage
State Farm$1,229
GEICO$1,268
Nationwide$1,407
Travelers$1,476
Progressive$1,682
Allstate$1,781
Farmers$1,952

Cost of Insuring a Mazda3 for 16- to 25-Year-Olds

Insurers do consider your age when calculating your Mazda3 premium. Auto insurance for teen drivers and those in their early 20s usually costs more than drivers aged 30 and above because young drivers are riskier to insure due to inexperience.

The average Mazda3 insurance cost for a 16-year-old with a full coverage policy is $6,312 per year, while a 40-year-old driver only pays $1,376 for the same coverage.

Car insurance rates for teens decrease with each passing year and become more stable into their 20s.

Data filtered by:Results filtered by:
Select
Coverage:Full Coverage
16$6,312
17$5,129
18$4,507
19$3,117
20$2,823
21$2,169
22$2,007
23$1,867
24$1,774
25$1,600

For a Mazda3, a 16-year-old pays around $3,952 for a full coverage policy at State Farm, which is the cheapest option, and roughly $9,795 with Farmers, the most expensive insurer. These rates represent an individual policy, but a teen under 18 usually cannot get auto insurance without an adult co-signer.

To save a good percentage on the premium for a 16-year-old, adding them to a family policy is the best route. To secure the best car insurance for teen drivers, compare multiple quotes.

Data filtered by:Results filtered by:
Select
Age:16
Select
Model Year:2022
Select
Coverage:Full Coverage
State Farm$3,952
Nationwide$5,555
Travelers$5,867
GEICO$5,965
Allstate$8,261
Progressive$8,972
Farmers$9,795

How Does Location Affect the Cost of Mazda3 Insurance?

Mazda3 insurance costs vary greatly based on factors like the vehicle’s model year, the driver’s age and the insurance provider. Location may also influence actual rates.

Our research indicates that Idaho has the lowest average auto insurance costs, while Florida is the highest. When choosing auto insurance for your Mazda3, obtaining quotes from the most affordable insurers within your state is worthwhile.

Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Full Coverage
AlabamaNationwide$709$59
AlaskaState Farm$699$58
ArizonaRoot Insurance Company$682$57
ArkansasState Farm$629$52
CaliforniaAAA California$1,001$83
ColoradoAmerican National P&C$541$45
ConnecticutGEICO$693$58
DelawareState Farm$881$73
District of ColumbiaGEICO$662$55
FloridaState Farm$1,058$88
GeorgiaCountry Financial$665$55
HawaiiGEICO$565$47
IdahoAmerican National P&C$299$25
IllinoisCountry Financial$663$55
IndianaAmerican Family$555$46
IowaState Farm$509$42
KansasNationwide$670$56
KentuckyNationwide$790$66
LouisianaLouisiana Farm Bureau$1,048$87
MaineConcord Group$521$43
MarylandProgressive$938$78
MassachusettsState Farm$483$40
MichiganGEICO$898$75
MinnesotaState Farm$797$66
MississippiDirect General Insurance$723$60
MissouriNationwide$909$76
MontanaProgressive$437$36
NebraskaAmerican National P&C$405$34
NevadaCSAA$940$78
New HampshireState Farm$540$45
New JerseyPlymouth Rock Assurance$895$75
New MexicoState Farm$644$54
New YorkKemper$781$65
North CarolinaErie$630$52
North DakotaAmerican Family$616$51
OhioNationwide$485$40
OklahomaState Farm$662$55
OregonState Farm$706$59
PennsylvaniaNationwide$580$48
Rhode IslandState Farm$700$58
South CarolinaAmerican National P&C$463$39
South DakotaAllstate$746$62
TennesseeState Farm$579$48
TexasState Farm$699$58
UtahNationwide$725$60
VermontState Farm$493$41
VirginiaAmerican Family$601$50
WashingtonPEMCO$534$44
West VirginiaErie$784$65
WisconsinGEICO$556$46
WyomingState Farm$745$62

Frequently Asked Questions About Mazda3 Insurance

Mazda3 drivers or those considering purchasing the car usually have concerns about the service quality and cost of coverage for this model. Below are answers to commonly asked questions about Mazda3 auto insurance.

What company has the cheapest car insurance for a Mazda3?

What company offers the best car insurance for a Mazda3?

About Mark Fitzpatrick

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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!

He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

Read Full Bio »

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