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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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The average cost of car insurance for a 2021 Mazda 3 is $159.11 a month —or $1,909.26 a year. However, your actual costs depend on your driving history, car model, location and other factors.

We pulled Mazda 3 car insurance quotes from top insurance companies to find that the average monthly cost to insure a 2021 Mazda 3 is $159.11. However, some older models may cost more 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 don’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
Allstate
Yes
Yes
Drivewise
Yes
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

Speak to an agent: 877-526-1527

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.
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.
Root
No
Yes
Telematics only
Yes
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
The AARP Auto Insurance Program from the Hartford
Yes
Yes
TrueLane®
No
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
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.
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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.

  • Anti-lock 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 five 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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