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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
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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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Publisher

Roslyn McKenna Ayers is insurance manager at ValuePenguin and a former publisher at Finder, specializing in home and auto coverage. Her expertise and analysis has been featured on Bankrate, MSN and Reader's Digest. She holds a BA in writing and communications from Maryville College. See full bio

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