Mazda3 full coverage insurance costs range from $992 to $6,014 annually, depending on the model year, driver age, location, driving history, coverage level and insurer. This article provides insights into Mazda3 insurance costs and highlights affordable options and top companies.
Mazda3 Insurance Cost
Updated: March 18, 2025
Key Takeaways
With a starting rate of $487 per year, State Farm offers the cheapest insurance for a Mazda3.
For a Mazda3, the average annual cost is $621 for minimum coverage and $1,372 for full coverage.
MoneyGeek analyzed 4,183 quotes for a Mazda3 using data from Quadrant Information Services to provide these insights.
Mazda3 Insurance Rates
What Is the Average Mazda3 Car Insurance Cost?
Mazda3 insurance costs about $114 per month or $1,372 per year for full coverage, based on a 40-year-old male with a clean driving record. Minimum coverage averages $52 monthly or $621 annually.
| Minimum Coverage | $621 |
| Full Coverage | $1,372 |
Read more: Average Cost of Car Insurance
Mazda3 Insurance Costs by Company
Mazda3 insurance costs range from $1,022 to $1,896 annually, varying by age, model year and coverage level. The table below compares average Mazda3 insurance rates with the averages for all vehicles from several national and mid-size providers.
| Allstate | $1,503 | $1,813 | -17% |
| Auto-Owners | $1,165 | $1,227 | -5% |
| Farmers | $1,794 | $1,956 | -8% |
| GEICO | $1,152 | $1,333 | -14% |
| Kemper | $1,896 | $2,214 | -14% |
| Nationwide | $1,544 | $1,588 | -3% |
| Progressive | $1,565 | $1,744 | -10% |
| State Farm | $1,088 | $1,270 | -14% |
| Travelers | $1,421 | $1,521 | -7% |
| USAA | $1,022 | $1,201 | -15% |
Read more: Best Car Insurance Companies
Cost of Insuring a Mazda3 by Model Year
The year your Mazda3 was produced can impact your insurance rates, with older models typically costing less. For instance, full coverage for a 2022 model costs $1,540 annually, while it costs $1,260 for a 2009 model. Below are the average full and minimum coverage rates for every production year.
| 2022 | $616 | $1,540 |
| 2021 | $620 | $1,526 |
| 2020 | $599 | $1,490 |
| 2019 | $627 | $1,460 |
| 2018 | $628 | $1,423 |
| 2017 | $611 | $1,407 |
| 2016 | $645 | $1,389 |
| 2015 | $651 | $1,372 |
| 2014 | $626 | $1,346 |
| 2013 | $651 | $1,320 |
| 2012 | $649 | $1,293 |
| 2011 | $627 | $1,282 |
| 2010 | $655 | $1,271 |
| 2009 | $656 | $1,260 |
Mazda3 Insurance Costs by Driver Age
Mazda3 auto insurance rates vary significantly depending on the driver's age. For example, 16-year-olds pay $6,014 annually for full coverage, while 40-year-olds pay around $1,384. Below are the average minimum and full coverage rates based on different ages.
| 16 | $2,907 | $6,014 |
| 17 | $2,362 | $4,898 |
| 18 | $2,061 | $4,315 |
| 19 | $1,460 | $3,069 |
| 20 | $1,311 | $2,790 |
| 21 | $1,038 | $2,249 |
| 22 | $946 | $2,066 |
| 23 | $878 | $1,930 |
| 24 | $833 | $1,837 |
| 25 | $740 | $1,643 |
| 26 | $720 | $1,587 |
| 27 | $703 | $1,553 |
| 28 | $691 | $1,529 |
| 29 | $681 | $1,508 |
| 30 | $658 | $1,455 |
| 35 | $640 | $1,410 |
| 40 | $633 | $1,384 |
| 45 | $628 | $1,366 |
| 50 | $612 | $1,325 |
| 55 | $596 | $1,289 |
| 60 | $596 | $1,284 |
| 65 | $635 | $1,339 |
| 70 | $690 | $1,433 |
| 75 | $766 | $1,571 |
| 80 | $868 | $1,750 |
| 85 | $939 | $1,877 |
| 90 | $991 | $1,966 |
Mazda3 Insurance Rates Explained
Several factors tied to your vehicle can impact your insurance rates, including the car's make, model, age and repair costs. Insurers assess them to determine the risk of insuring your car. Here's a breakdown of the key vehicle-related cost factors.
Mazda3 Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Mazda3
Average Full Coverage Rate
$1,372Premiums for Mazda3 are:$76 more
This is 6% more expensive.
Value
The Mazda3's MSRP of $36,635 classifies it as a sedan, and its price can influence insurance costs.
Repair costs
The Mazda3's annual repair cost is $433, below the national average. Lower repair costs can help reduce insurance premiums, as the overall expense of maintaining the vehicle is less likely to drive up claims.
Performance
The Mazda3 delivers 191 to 227 horsepower and accelerates from 0 to 60 mph in 5.6 seconds. Its moderate performance may result in average insurance costs, as insurers often associate higher performance with greater risk.
Vehicle age
Newer Mazda3 models are typically more expensive to insure than older ones.
Trim level
Vehicles with higher trim levels, like the Mazda3 Select Sport and Turbo Premium Plus, often have more premium upgrades, leading to a higher MSRP and higher insurance costs.
Cheapest Mazda3 Insurance
State Farm offers the cheapest minimum coverage for a Mazda3 at $487 per year, based on a 40-year-old male with a clean driving record. Below is a breakdown of the lowest car insurance rates across coverage levels, age groups, driving records, model years and more.
Cheapest Mazda3 Insurance by Coverage Level
Choosing your coverage level greatly affects your Mazda3 insurance rate. State Farm provides the most affordable minimum and full coverage rates. Below is a breakdown of the cheapest providers for both types.
Cheapest Mazda3 Minimum Coverage
State Farm offers the cheapest minimum coverage for Mazda3 at $41 per month. GEICO, Travelers and Progressive also provide competitive rates ranging from $42 to $56.
| USAA | $34 | $412 |
| State Farm | $41 | $487 |
| GEICO | $42 | $505 |
| Travelers | $53 | $640 |
| Progressive | $56 | $671 |
| Allstate | $58 | $696 |
| Nationwide | $62 | $739 |
| Farmers | $62 | $747 |
*State Farm offers non-military-affiliated Mazda3 owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Mazda3 Insurance Rates by Model Year
Because the above list doesn't account for model production year, you might find lower rates depending on your Mazda3's age. To find the most affordable minimum coverage rate, filter the table below by your vehicle's production year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $714 | $60 |
| Farmers | $786 | $65 |
| GEICO | $524 | $44 |
| Nationwide | $787 | $66 |
| Progressive | $684 | $57 |
| State Farm | $482 | $40 |
| Travelers | $707 | $59 |
| USAA | $442 | $37 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Mazda3 Insurance
State Farm offers the cheapest full coverage insurance for a Mazda3 at $1,058 annually or $88 monthly. Below is the complete list of full coverage providers and rates.
| USAA | $83 | $992 |
| State Farm | $88 | $1,058 |
| GEICO | $94 | $1,125 |
| Travelers | $117 | $1,408 |
| Allstate | $120 | $1,437 |
| Nationwide | $121 | $1,458 |
| Progressive | $124 | $1,492 |
| Farmers | $140 | $1,680 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Mazda3 owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Mazda3 Insurance by Age
Drivers aged 16 to 25 and 55 and up often face higher Mazda3 insurance rates. Below is a breakdown of the cheapest options by age.
Cheapest Mazda3 Insurance for Young Drivers
State Farm offers the cheapest auto insurance for young drivers, averaging $89 monthly or $1,064 annually for minimum coverage. Below is the complete list of affordable rates for Mazda3 drivers aged 16 to 25.
| USAA | $71 | $850 |
| State Farm | $89 | $1,064 |
| GEICO | $101 | $1,211 |
| Travelers | $112 | $1,349 |
| Allstate | $135 | $1,624 |
| Progressive | $156 | $1,874 |
| Nationwide | $164 | $1,973 |
| Farmers | $169 | $2,022 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Mazda3 Insurance for Seniors
State Farm offers the cheapest car insurance for seniors aged 55 and up at $45 monthly or $535 annually. See the full list of affordable Mazda3 insurers below:
| State Farm | $45 | $535 |
| USAA | $46 | $547 |
| GEICO | $50 | $605 |
| Travelers | $64 | $772 |
| Allstate | $71 | $853 |
| Progressive | $72 | $859 |
| Nationwide | $72 | $869 |
| Farmers | $83 | $997 |
Cheapest Mazda3 Insurance After an Accident
State Farm, GEICO and Travelers offer Mazda3 drivers the cheapest car insurance after an accident. Explore the complete list of options below.
| State Farm | $51 | $610 |
| USAA | $52 | $627 |
| GEICO | $66 | $795 |
| Travelers | $77 | $928 |
| Allstate | $80 | $955 |
| Progressive | $92 | $1,101 |
| Nationwide | $96 | $1,153 |
| Farmers | $123 | $1,478 |
Mazda3 Insurance Cost: Bottom Line
Make it a habit to compare car insurance rates from different providers to find the best deal. This article explores Mazda3 insurance in detail, covering the vehicle's costs across various demographics and identifying the most affordable providers.
Mazda3 Insurance Rates: FAQ
Below are some frequently asked questions about the cost of insuring a Mazda3.
What company has the cheapest car insurance for a Mazda3?
State Farm offers the cheapest insurance for a Mazda3, with an annual minimum coverage rate of $487.
What is the average cost of car insurance for a Mazda3?
The average annual insurance cost for a Mazda3 is $621 for minimum coverage and $1,372 for full coverage.
Mazda3 Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 Mazda3 insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Mazda3:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Mazda3 insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Mazda3.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds 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 five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.