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Mazda 3 insurance rates

Average MZ3 insurance cost? $159. At this price point, look for more perks to protect your ride.

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We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a Mazda 3 is $159.11 a month — or $1,909.26 a year. However, your actual costs depend on your driving history, vehicle model and year, ZIP plus other factors. And some older models may cost less to insure than others depending on which safety features your vehicle has and which insurer you choose.

Model YearProgressiveGeicoState FarmFarmersAverage
2011 Mazda 3$108.07$89.66$152.79$198.33$137.21
2016 Mazda 3$134.41$101.32$171.08$216.37$155.80
2021 Mazda 3$157.42$113.89$183.74$181.37$159.11

How we got these rates

Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that doesn’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:

  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability: $50,000
  • Comprehensive deductible: $500
  • Collision deductible: $500
  • Medical payments: $5,000
  • Uninsured motorist bodily injury: $50,000/$100,000
Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The Zebra
Yes
Yes
Yes
Yes
All 50 states
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Liberty Mutual
Yes
Yes
RightTrack
Yes
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime.
Bankrate
Bankrate
Yes
Yes
Yes
Yes
All 50 states
Compare personalized rates from multiple insurance companies in one go. Plus, access a live agent for any questions along the way.
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Mazda 3 money-saving safety features

You could save money on car insurance for your Mazda 3 if it comes equipped with these safety features.

  • Antilock brakes
  • Stability control
  • Airbags
  • Seatbelt pretensioners
  • Anti theft system

How safe is the Mazda 3?

The 2017 Mazda 3 was named a Top Safety Pick+ car by the Insurance Institute for Highway Safety (IIHS). The IIHS gave good ratings, highest possible rating, to all crash tests.

The National Highway Traffic Safety Administration (NHTSA) awarded the Mazda 3 with a 5-Star Overall Safety Rating. The NHTSA gave 5 stars, the highest rating, for the frontal crash test and the side crash test. The government organization gave a four star rating for the rollover test.

The latest model of the Mazda 3 include blind-spot monitoring with rear cross-traffic alert, automatic emergency braking system and antilock brakes.

How does the Mazda 3 compare to other car models?

From a price standpoint, the Mazda 3 ranks right in the middle of our list of the 360 priciest car models to insure. Learn the price of other car brands and models.

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