Mazda 3 insurance group and cost

The Mazda 3 hatchback, which prides itself on its unique styling. This vehicle is slightly more upscale than its immediate competitors, although you’ll pay more for this extra touch of class. In this guide, you’ll learn the key facts about insuring this vehicle.

Mazda 3 insurance groups and cost by driver’s age

Mazda 3 models range from insurance groups 13 to 25, so although you can generally expect the cost of your insurance to fall on the cheaper end of the scale, the cost of your insurance still might vary quite a bit.

The difference in costs between insurance groups can vary due to a number of different factors including your car’s performance, safety and security features, and cost of repair. For example, a 30-year-old driver in an average postcode could pay around £704 for cover on a Mazda 3 1.6 S 5d (insurance group 13), or around £613 for a Mazda 3 2.0 TS2 5d Auto which falls in insurance group 25. In this example, the Mazda 3 2.0 TS2 5d Auto is an extra £51 a year to insure compared to the Mazda 3 1.6 S 5d and is 12 insurance groups higher.

You can find the insurance group and likely cost of car insurance of your Mazda 3 model in the table below.

• How we got these rates

  These rates are based on the average cost of cover for cars in the insurance groups shown, for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: June 2024 (source: Confused).

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Average Mazda 3 insurance cost

To provide you with an idea of how much it may cost you to insure your Mazda 3, we ran several quotes to find an average figure. Based on our results, on average, you could insure your Mazda 3 with a comprehensive policy for the monthly price of £83.52, or an annual sum of £932.44.

• How we got this rate

  To generate these quotes we used the following information:

  • The vehicle is a 2018 model
  • Manual transmission
  • Petrol
  • 1.2 litre engine
  • 5 seats
  • 5 doors
  • Factory fitted alarm system
  • The car is not modified
  • Used for social, domestic and commuting purposes
  • 10,000 mileage per year
  • The car is parked in a work car park during the day
  • The car is parked on a driveway at night
  • Owner is a 30-year-old, single teacher from London
  • Owner is a homeowner
  • Five years no claim discount
  • No driving or other convictions in the last 5 years

Mazda 3 insurance cost by location

The table above shows the average cost of Mazda 3 insurance based on insurance groups and driver age. However, a number of other factors can affect the cost of your car insurance premiums, one of the biggest being your location.

To show how much your location can impact your premium, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a Mazda 3 1.6d TS2 Nav 5d.

• Expensive: £1,059 (London SE1)
• Average: £646 (Newcastle NE1)
• Cheap: £610 (Galashiels TD1)

• How we got these rates

  These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations. Updated: June 2024 (source: Confused).

Which factors affect my Mazda 3 insurance rate?

Along with the insurance group, there are other key factors that impact your insurance premium costs:

• Engine type and capacity. The size and performance of the engine plays a big part in determining the insurance costs of a vehicle. In general, the bigger the engine, the higher the cost of your insurance. An average 30-year-old may pay £704 for the Mazda 3 1.6 TS2 5d, but could pay around £679 for the Mazda 3 2.2d (185bhp) Sport Nav (Leather) 5d. The difference in cost for the Mazda 3 model that has an engine 0.6 litres bigger, is an extra £112.
• Driver location. Your location is a huge factor when it comes to determining your insurance costs. Providers will look at personal accident and fraudulent claims in the area, how many uninsured drivers live there and also vandalism and car theft. For example, a 30-year-old in central London may pay £908 for insurance for a Mazda 3 2.0 Sport Nav 5d, while the same 30-year-old in Newcastle may only pay £706.
• Driver age. The younger you are, the more risk you represent to insurers, and the more you’re likely to pay for insurance. The average 20-year-old driver in London may pay £2,356 for the Mazda 3 2.0 TS2 5d Auto, while the average 40-year-old Londoner will only pay £798.

Other factors that influence the cost of your insurance include:

• Your marital status
• Your credit history and job
• Your car’s safety rating score
• The model of your car
• The age of your car
• Your car’s security and any extra anti-theft precautions
• Your car usage
• Your driving history and activity
• No claim discount

Bottom line

There’s a lot to excite drivers about the Mazda 3. Its unique appearance, lush interiors and large range of powerful engine choices are among them. Now you’ve read this guide, you can add cheaper car insurance premiums to that list.

Frequently asked questions

• How much does a Mazda 3 cost?

  In the United Kingdom, the on-the-road price of a Mazda 3 starts from £21,570.

• What is the top speed of a Mazda 3?

  Depending on the model, Mazda 3s can reach top speeds of 122mph.

• Is the Mazda 3 safe?

  The Mazda 3 was awarded 5 out of 5 stars under the Euro NCAP safety analysis. Mazda 3 models score extremely well across the board with 98% on adult occupant safety and 87% for child occupant safety.

• How much car tax do I have to pay for the Mazda 3?

  The UK standard car tax rate sites at £145 per year. However, you might pay more or less depending on your car’s emissions.

• Where can I buy a Mazda 3?

  You can buy a Mazda 3 online or by visiting your local Mazda retailer. You can also buy Mazda 3s through various motor resellers and websites.

• Is the Mazda 3 expensive to insure?

  This depends on the specific model of Mazda 3 you have and the insurance group it falls under. Mazda 3 models can range between insurance groups 13 and 25, so in general the insurance costs should fall on the cheaper side in comparison to other car makes and models.

Written by

Danny Butler

Publisher

Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio

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Danny has written 335 Finder guides across topics including:

• Car, home and business insurance
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