Best Mazda 3 Car Insurance in 2024

When the time comes to start researching Mazda 3 car insurance quotes, you may not even know where to begin. Whether you’re looking for comprehensive or liability auto insurance coverage, finding the cheap car insurance rates can be a daunting task.

That’s why we have constructed this easy-to-follow guide that includes key information about Mazda 3 insurance such as car insurance rates.

How much is insurance for a Mazda 3? We’ll answer that in this guide and help you be able to determine good Mazda 3 insurance rates when you see them.

You can start comparing quotes for Mazda 3 car insurance rates from some of the best car insurance companies by using our free online tool now.

Mazda 3 Car Insurance Cost: How much does it cost to insure a Mazda 3?

Let’s get right to it. How much is insurance on a Mazda 3?

The average auto insurance rates for a Mazda 3 cost $1,400 a year or $117 a month for a full coverage policy. They aren’t the cheapest cars to insure, but they’re actually on the lower end considering some companies classify them as sports cars.

Mazda 3 insurance cost is calculated based on a lot of factors, and whether or not it’s a sports car is just one of them. Theft rates, vehicle safety ratings, sticker price, and accident statistics all play into the final rate.

And, of course, so does your driving record, where you live, and how you drive.

In the following sections, we’ll break down the factors about the car itself that influence car insurance rates.

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Are Mazda 3s expensive to insure?

Is the Mazda 3 considered a sports car for insurance? The chart below details how Mazda 3 insurance rates compare to other sedans like the Hyundai Elantra, Chrysler 300, and Nissan Maxima.

However, there are a few things you can do to find the cheapest Mazda insurance rates online.

Mazda 3 Car Insurance Facts: What impacts the cost of Mazda 3 insurance?

The Mazda 3 trim and model you choose can impact the total price you will pay for Mazda 3 auto insurance coverage.

Mazda 3 theft rate and Mazda 3 repair costs all play a part in the cost of Mazda 3 car insurance rates, and should be included in your Mazda 3 cost of ownership calculation.

Age of the Vehicle

Why is Mazda 3 insurance so high? Older Mazda 3 models generally cost less to insure. For example, auto insurance for a 2020 Mazda 3 costs $1,400, while 2010 Mazda 3 insurance costs are $1,148, a difference of $252.

Driver Age

Driver age can have a significant impact on Mazda 3 hatchback insurance rates. For example, 20-year-old drivers pay approximately $1,712 more each year for their Mazda 3 auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Mazda 3 insurance rates. For example, drivers in New York may pay $854 a year more than drivers in Seattle.

Your Driving Record

Your driving record can have an impact on the cost of Mazda 3 auto insurance. Teens and drivers in their 20s see the highest jump in their Mazda 3 car insurance with violations on their driving record.

How safe is Mazda’s Mazda 3?: Safety Ratings

Your Mazda 3 auto insurance rates are influenced by the Mazda 3’s safety ratings. See the breakdown below:

Mazda 3 Car Insurance Safety Ratings

Test Type	Rating
Small overlap front: driver-side	Good
Small overlap front: passenger-side	Good
Moderate overlap front	Good
Side	Good
Roof strength	Good
Head restraints and seats	Good
Source: Insurance Institute for Highway Safety

Mazda 3 Crash Test Ratings

Mazda 3 crash test ratings will affect your Mazda 3 car insurance rates. Take a look at the Mazda 3 crash test ratings from the National Highway Traffic Safety Administration.

Mazda 3 Cost-Effective Safety Features

The numerous safety features of the Mazda 3 help contribute to lower insurance rates. The 2020 Mazda 3 has the following safety features:

• Driver Air Bag
• Passenger Air Bag
• Front Head Air Bag
• Rear Head Air Bag
• Front Side Air Bag
• 4-Wheel ABS
• 4-Wheel Disc Brakes
• Brake Assist
• Electronic Stability Control
• Daytime Running Lights
• Child Safety Locks
• Traction Control
• Lane Departure Warning
• Lane Keeping Assist

What about insurance losses?

Mazda 3 Insurance Loss Probability

Insurance loss probability on the Mazda 3 fluctuates between each type of coverage. The lower percentage means lower Mazda 3 car insurance rates; higher percentages mean higher Mazda 3 car insurance rates.

Mazda 3 Insurance Loss Probability Percentage

Insurance Coverage Category	Loss Rate
Collision	-6%
Property Damage	12%
Comprehensive	-21%
Personal Injury	10%
Medical Payment	15%
Bodily Injury	15%
Source: Insurance Institute for Highway Safety

Mazda 3 Finance and Car Insurance Cost

When financing a Mazda 3, most lenders will require you to carry higher Mazda 3 coverage options including comprehensive coverage, so be sure to shop around and compare Mazda 3 car insurance rates from the best companies using our FREE tool below.

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4 Ways to Save on Mazda 3 Car Insurance

There are several ways you can save even more on your Mazda 3 car insurance rates. Take a look at the following five tips:

• Provide your Mazda 3 VIN when requesting Mazda 3 auto insurance quotes
• Use paperless billing for your Mazda 3 insurance policy
• Save money on young driver Mazda 3 insurance by mentioning grades or GPA
• Make sure you’re raising a safe driver

You can also reduce your coverage level on an older Mazda 3.

Top Mazda 3 Car Insurance Companies

Several top car insurance companies offer competitive rates for the Mazda 3 based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with Mazda 3 drivers organized by market share.

Compare Free Mazda 3 Insurance Quotes Online

The Mazda 3 is a compact, sporty car that’s fun to drive, but what can you expect from Mazda 3 car insurance rates? Is a Mazda expensive to insure?

Insurance is just one of the things you need to think about when buying a car, and it’s certainly not the most enjoyable part. You don’t have time to do the research, but we do.

Mazda 3 Car Insurance Overview

This comprehensive article will walk you through everything you need to know to own and insure a Mazda 3.

We’ll cover the basics of the Mazda 3, its size and class, safety features, pricing, theft rates, repair costs, and how all of those things impact insurance rates for a Mazda 3.

You can even begin comparing quotes for cheap car insurance on a Mazda 3 right now by entering your five-digit ZIP code in the box below.

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What is the cost of car insurance for a Mazda 3?

Let’s get right to it. How much is insurance on a Mazda 3?

The Mazda 3 costs an average of $114 a month to insure on a full coverage policy. They aren’t the cheapest cars to insure, but they’re actually on the lower end considering some companies classify them as sports cars.

Mazda 3 insurance cost is calculated based on a lot of factors, and whether or not it’s a sports car is just one of them. Theft rates, vehicle safety ratings, sticker price, and accident statistics all play into the final rate.

And, of course, so does your driving record, where you live, and how you drive.

In the following sections, we’ll break down the factors about the car itself that influence car insurance rates.

What are the theft rates of the Mazda 3?

Even though automakers like Mazda have made great strides with anti-theft technology, the reality is that some Mazda 3 vehicles still get stolen.

But how many?

The NHTSA reported that 38 out of 93,224 total Mazda 3 vehicles were stolen for the 2014 model year. That’s a rate of 0.41 for every 1,000 that were manufactured.

How do the theft rates of the Mazda 3 affect comprehensive car insurance rates?

Since comprehensive insurance offers coverage in so many areas, providers are mostly interested to know your home address. They do this because if you live in an area with a high volume of vehicle theft, they are likely to increase your comprehensive rate.

Even though the theft rates for the Mazda 3 are low, it’s at a greater risk of getting stolen if it is kept in an urban area with a high volume of car theft.

How does the frequency of claims filed on the Mazda 3 affect car insurance rates?

When you consider every vehicle type on the road, some models have more claims than others.

Insurance companies keep a watchful eye over which types of models tend to see more claims and adjust insurance rates accordingly.

The Insurance Information Institute (III) has broken down how the frequency of claims filed on each vehicle class impacts car insurance rates.

As a small four-door hatchback or sedan, the Mazda 3 is part of the “passenger cars and minivans” category. Take a look at the following table to see the claim frequency and losses for this class as it compares to the average for all vehicle types.

Car Insurance Collision Coverage Claim and Loss – Passenger Cars and Mini Vans

These figures inform us that all models in the “passenger cars and minivans” category, including the Mazda 3, see a claim frequency of 8.4 per 100 insured vehicle years.

That is just over one more claim compared to the average for other vehicle types, which is 7.3 for every 365 days of insurance coverage.

How does the size and class of the Mazda 3 affect liability car insurance rates?

According to the Insurance Institute for Highway Safety (IIHS), the Mazda 3 is classified as both a small four-door hatchback and a small four-door sedan.

Throughout this article, we will use the information on all small four-door car models so we can see how certain data on the hatchback and sedan differ from one another.

Vehicles similar to the Mazda 3 include the following listed in alphabetical order by the name of the auto manufacturer.

Small 4-Door Car Make and Model

So how do the industry experts decide the size and class of a particular model? When determining which group a vehicle should belong to, the IIHS records the total interior capacity, number of axles, and weight of the car.

After reviewing these statistics, the organization is able to accurately assess the safety of each car as it compares to other similar models.

Bodily injury liability auto insurance coverage will protect you when you are deemed at fault for an accident. Specifically, this type of insurance will cover costs like medical expenses and lost wages for the other party.

The following table displays the loss percentages for each model that belongs to the same class as the Mazda 3. Knowing these figures will give you an understanding of how the hatchback and sedan versions of the Mazda 3 have different data.

Car Insurance Bodily Injury Liability Loss Percentages for Small 4-Door Cars

A general rule of thumb to go by is the lower the loss percentage, the better the insurance rate will be for the driver. At -17 percent, the Mazda 3 hatchback has a more favorable loss percentage than the sedan’s 15 percent.

The actual amount you pay for bodily insurance coverage on the Mazda 3 varies based on coverage level. Check out the following table that breaks down these costs from low to high coverage.

Average Car Insurance Bodily Injury Coverage Rates – Mazda 3

Your monthly insurance bill will be in the ballpark of $119.05 if you get the lowest level of bodily injury liability coverage. Alternatively, the highest level of coverage will cost roughly $136.08 per month.

Property damage liability insurance is another form of coverage that will protect you when you are at fault. This type of insurance will pay for any damages that were done to the opposing party’s property, including their car.

Each vehicle that is part of the small four-door car class has a certain loss percentage for property damage liability insurance. See for yourself by reviewing the following table.

Car Insurance Property Damage Liability Loss Percentages for Small 4-Door Cars

Once again, the Mazda 3 hatchback has a more favorable loss percentage at -10 percent. Still, the sedan version is very close to the average with a property damage loss percentage of 12 percent.

In order to give us a sense of how these percentages look in the form of actual rates, let’s take a look at property damage liability insurance for the Mazda 3 based on coverage level.

Average Car Insurance Property Damage Coverage Rates – Mazda 3

As an itemized cost, your property damage liability rate fluctuates between $107.90 for the lowest form of coverage and $111.20 on the high end. This amount is minimal, especially considering that the high coverage will insure you for up to $100,000 worth of damages.

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What is the MSRP of the Mazda 3?

The Manufacturer’s Suggested Retail Price (MSRP) and fair market value are both used to determine the value of the Mazda 3. Both the sedan and hatchback versions of the car come at different price points based on the model year and trim level.

In order to help us organize the varying styles of the Mazda 3, we are going to take a look at two tables that outline the prices of each body type with data pulled from Kelley Blue Book.

The first will show a breakdown of pricing for the Mazda 3 sedan on models ranging from 2020 to 2017.

Mazda 3 Sedan MSRP & Fair Market Value (2017–2020)

With an MSRP of $22,445, the 2020 base model sedan provides a great value for a brand-new car. By upgrading to the highest trim level, you can expect to pay an additional $5,000 for the premium trim level.

The most affordable Mazda 3 sedan model is the 2017 base-level edition. This car has a suggested listing price of $13,440, and you might be able to get an even better deal if you find a dealership who is trying to get rid of older inventory.

Now, we will turn our attention to the hatchback version of the Mazda 3. Take a look at the following table to see how this body style compares to the sedan edition.

Mazda 3 Hatchback MSRP & Fair Market Value (2017–2020)

A 2020 base model hatchback has an MSRP of $24,645. That’s a full $2,200 more expensive than the sedan version.

The main reason for this is the versatility that the hatchback gives you. By folding the seats down in the backseat of the Mazda 3 hatchback, you get a full 43 cubic feet of cargo space, which is comparable to some small SUVs.

To summarize, the Mazda 3 sedan is more affordable, while the hatchback provides more options for utilizing the interior space of the vehicle.

Both are great choices, and you are bound to find the right model for a good price during the research phase of the car-buying process. Of course, this car has been around for a while, so you can get a great deal on a used Mazda 3 if you want to save money.

How does the MSRP of the Mazda 3 affect collision car insurance rates?

What is collision coverage on car insurance? Collision auto insurance is another form of additional coverage that drivers can choose to include as part of their policy.

This type of car insurance will pay for any costs associated with repairing or even replacing your vehicle if it gets damaged after colliding with another object, including a car.

The following table will show average collision insurance rates for the Mazda 3 based on the model year.

Average Car Insurance Collision Rates for 2018–2014 Mazda 3

These insurance rates scale down from high to low based on the model year of the Mazda 3. The 2018 model has the highest collision coverage rate at $536, while the 2014 version is the most affordable at $450.

In order to see how these rates stack up to similar vehicles, let’s take a look at loss percentages for all small four-door cars.

Car Insurance Collision Losses Percentages for Small 4-Door Cars

With a collision loss percentage of -20 percent, the Mazda 3 hatchback has the second-best in the class. Comparatively, the Mazda 3 sedan has a loss percentage of -6 percent, which is still considered to be better than average.

How does the MSRP of the Mazda 3 affect comprehensive car insurance rates?

Comprehensive car insurance can be added to your policy even though most states don’t legally require you to carry it.

This form of coverage will cover you for any damage your vehicle sustains that is outside of your control.

Let’s see how much you can expect to pay for comprehensive coverage on the Mazda 3 based on which model year you are driving.

Average Car Insurance Comprehensive Rates for 2018–2014 Mazda 3

The comprehensive insurance rates on the Mazda 3 don’t vary as greatly as other types of coverage. The 2018 model is the most expensive at $282, while the most affordable rate is the 2014 model at $238. That’s a difference of only $44.

If you are curious to see how other vehicles compare for comprehensive rates, take a look at the following table.

Car Insurance Comprehensive Liability Loss Percentages for Small 4-Door Cars

At -25 percent and -21 percent, respectively, both the Mazda 3 hatchback and sedan have a comprehensive loss percentage that is considered to be very favorable for drivers.

Other Car Insurance Coverage Rates for the Mazda 3

No one wants to pay outrageous rates for their car insurance, which is why it’s a good idea to know how to find the best rates possible.

Part of the cost of maintaining your Mazda 3 is making sure you have a proper car insurance policy. This is essential to understand while researching car insurance companies, so you know specific details about your car along with its features.

There are many different factors that may affect the cost of Mazda 3 insurance rates.

Insurance is regulated at the state level, and insurance costs differ from area to area—even when insuring the exact same driver with the exact same car.

On top of rates changing from one geographic region to the next, there is also the issue of rates changing over time. If you compare 2013 Mazda 3 car insurance rates to 2014 Mazda 3 car insurance rates, then they will most likely be different.

Your best bet to obtaining an affordable rate is focusing on what you can control, like your driving behavior. If you’re diligent in making sure you’re a safe driver, that effort will likely be reflected in the form of lower insurance premiums.

How do safety ratings of Mazda 3 affect Personal Injury Protection (PIP) car insurance rates?

Personal Injury Protection (PIP) insurance pays the minimum benefit amount for each person inside your vehicle who sustained an injury as a result of an accident.

The following table contains loss percentages for each model in the small four-door car class when it comes to PIP rates. Looking through this data will give us an idea of how affordable PIP rates are for the Mazda 3 compared to other similar vehicles.

Car Insurance Personal Injury Protection Loss Percentages for Small 4-Door Cars

At -16 percent, the Mazda 3 hatchback has a PIP loss percentage that is above average for drivers. The Mazda 3 sedan has a loss percentage of 10 percent, which is right around the average.

How do safety ratings of the Mazda 3 affect Med Pay car insurance rates?

Medical Payment (Med Pay) coverage is reserved for covering expenses like medical bills for you and any passengers in your vehicle that resulted after an accident.

The following table shows how the safety ratings of the Mazda 3 translate to Med Pay loss percentages compared to other small four-door cars.

Car Insurance Med Pay Loss Percentages for Small 4-Door Cars

With a Med Pay loss percentage of -20 percent, the hatchback version of the Mazda 3 is more favorable than the sedan, which has a loss percentage of 15.

How much will it cost to repair my Mazda 3?

Everybody knows that there is some upkeep that is required to keep your car in great working condition. So long as you regularly change the oil and make sure each part of the vehicle is in decent shape, you should be in a good position.

The average annual cost to maintain a Mazda 3 is $433, which includes regularly scheduled maintenance appointments and any serious repair work.

Some parts of the Mazda 3 are more expensive to repair than others. Take a look at the following table to see a variety of Mazda 3 repair costs by part.

Mazda 3 Repair Costs

Since the roof is the most expensive part of the vehicle to repair with an average repair bill of $426.20, it’s a good idea to be mindful of where you park it.

If you leave it close to a tree or another large object that might fall, you might end up having to take your Mazda 3 into the shop for repair work.

How does the cost of repairs affect collision & comprehensive car insurance rates?

Every state has a minimum amount of car insurance that you are legally required to carry in order to drive. Still, you are free to get additional coverage like collision and comprehensive insurance to help you with repair bills.

Both collision and comprehensive coverage are great resources to have because together they essentially eliminate the need for you to pay anything out-of-pocket for unexpected repairs for your Mazda 3.

As we touched on earlier, collision will pay for the cost of repairs on your vehicle after it gets damaged from colliding with another car or object.

Comprehensive coverage provides even more protection by paying for damages to your vehicle that are outside of your control, such as an object falling onto your car.

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What are the safety features of the Mazda 3?

Insurance rates are generally lower for cars that have a good amount of safety technology. Some of these features on the Mazda 3 that will help lower these costs include the following:

• Anti-Lock Brake system – designed to stop on a dime
• Dynamic Stability Control (DSC) – designed to help the driver maintain control under adverse weather conditions
• Traction Control System (TCS) – detects loss of traction and gauges the engine accordingly

Additional things can be added to help lower the insurance rate for your Mazda 3, such as an anti-theft alarm system, auto-dimming rearview mirror, and wheel locks.

What are the safety ratings of the Mazda 3?

Car insurance companies rely on the safety ratings of vehicles to determine insurance rates. In short, models with positive safety marks come with better rates than those that test poorly.

The IIHS named the Mazda 3 as a “2020 Top Safety Pick+” winner, which is the highest honor that any model can receive. This award is reserved for vehicles that perform well in a wide variety of tests, such as crashworthiness.

Let’s take a look at the following table that provides crashworthiness scores for the Mazda 3.

Mazda 3 Crashworthiness Ratings

The four possible scores that each part of the car can receive are as follows: poor, marginal, acceptable, and good. As you can see from the results, the Mazda 3 achieved the highest rating possible for each part of the vehicle.

How does the safety of the Mazda 3 compare with other car models of the same size & class?

As a winner of the IIHS “2020 Top Safety Pick+” award, it’s no secret that the Mazda 3 is one of the most dependable vehicles on the road. But you might be curious to know how other small four-door cars compare.

We will uncover that information by taking a look at fatality rates for every vehicle listed as a small car.

Crash Fatality Statistics for Small Cars

This data tells us that the fatality rate for small car drivers is 54 per million registered vehicles. That is marginally higher than the average of 37 deaths per million registered vehicles.

Since the fatality rate for small cars is above average, we can reasonably conclude that there are a number of other similar vehicle models that might not be as safe as the Mazda 3.

However, driving is an inherently dangerous activity, and the Mazda 3 is not indestructible. Certain parts of the car are more vulnerable than others. And crashes can turn from a fender bender to fatal based on the point of impact.

Take a look at the following table to see fatality rates based on the initial point of contact for small cars like the Mazda 3.

Crash Occupant Deaths by Point of Impact – Small Minivan & Cars

The point of impact that yields the highest fatality rate is the front part of the car. As you can imagine, driving at high speed toward another vehicle or inanimate object is very dangerous, which is why crashes that end this way end up with a 57 percent fatality rate.

Automakers like Mazda have taken great strides over the past several years to improve the safety of its vehicles. We can see proof of that by viewing the fatality rate numbers for each year over the past decade.

Driver and Passenger Deaths (2009–2018)

While these figures have changed from year-to-year, the overall driver and passenger fatality rate have gone down a total of 25 percent since 2009.

The History of the Mazda 3

The Mazda 3 is a sporty compact car that first began arriving in dealerships in 2003. The fourth-generation model was produced in 2019, with the biggest change coming in the form of an all-new precision driving system called SkyActiv technology.

With each new generation of the Mazda 3, the Japanese automaker has incorporated new design elements or technology.

These consistent upgrades are one of the biggest reasons as to why the Mazda 3 has continued to sell at a high volume for almost two decades.

The following table includes Mazda 3 sales figures in the U.S. and Canada so you can see how this compact car has remained popular for much of its life.

Mazda 3 Sales Numbers (2005–2019)

Even though the sales numbers have dipped in the last couple of years, a total of 50,741 units were sold in 2019. That’s still an impressive amount of vehicles despite a -21.5 percent change from 2018.

Only time will tell if the fourth-generation Mazda 3 will capture the interest of drivers and lead to more sales.

The biggest points to take away from this review is that the Mazda 3 is a high-performing yet practical compact car. The combination of the powertrain and SkyActiv technology make it a joy to drive.

In short, you can get a lot of cars at a great value, given its reasonable price tag. So if you are on the fence about owning or leasing a Mazda 3, do yourself a favor and take one for a test drive so you can get a feel for the vehicle.

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