Best Mazda 3 Car Insurance in 2024 (Find the Top 10 Companies Here)
State Farm, Geico, and USAA are the top and leading providers of the best Mazda 3 car insurance, offering rates starting at just $35 per month. These insurers provide competitive pricing, extensive coverage options, and robust protection, delivering excellent value and dependability for your Mazda 3 car insurance.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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UPDATED: Oct 24, 2024
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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State Farm is the top choice for best Mazda 3 car insurance, offering excellent rates and coverage. Geico and USAA also provide competitive pricing and robust coverage options.
Our Top 10 Company Picks: Best Mazda 3 Car Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 17% B Customer Service State Farm
#2 25% A++ Affordable Rates Geico
#3 10% A++ Military Members USAA
#4 12% A+ Snapshot Program Progressive
#5 25% A+ Coverage Options Allstate
#6 20% A+ Claims Satisfaction Nationwide
#7 15% A Essential Workers Farmers
#8 15% A++ Flexible Policies Travelers
#9 10% A Regional Focus Mercury
#10 20% A+ Low Rates Erie
You can start comparing quotes for Mazda 3 car insurance rates from some of the best car insurance companies by entering your ZIP code now.
- State Farm is a top option for low rates and full coverage
- Prices depend on vehicle age, driver age, and location
- Mazda 3 car insurance starts at $35 per month
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#1 – State Farm: Top Overall Pick
Pros
- Strong Customer Service: Highly rated for responsive and helpful customer support, often considered among the best Mazda 3 car insurance options for personalized service. Their local agents provide tailored support, enhancing overall satisfaction.
- Discount Opportunities: Offers a variety of discounts, including a 17% multi-policy discount and for vehicle safety features, making it easier to save on the best Mazda 3 car insurance premiums which you can check out in our State Farm car insurance review.
- Local Agents: Extensive network of local agents for personalized service and support, ensuring that you can get face-to-face assistance if needed, making it a top choice for the best Mazda 3 car insurance.
Cons
- Rate Variability: Insurance rates can vary widely based on location and individual driving history, potentially leading to unpredictable costs for the best Mazda 3 car insurance.
- Limited Online Services: Some customers may find the online interface and claims process less user-friendly compared to competitors, which could be inconvenient for those seeking the best Mazda 3 car insurance.
#2 – Geico: Best for Affordable Rates
Pros
- Affordable Rates: Known for offering competitive pricing and numerous discounts, including a 25% multi-policy discount. Geico’s rates are often among the most affordable for the best Mazda 3 car insurance.
- User-Friendly Online Tools: Provides an easy-to-navigate website and mobile app for managing your policy, with 24/7 access to support and account management, enhancing the experience for Mazda 3 drivers.
- Wide Range of Discounts: Discounts available for good drivers, military members, and those with certain safety features, helping to further reduce costs for the best Mazda 3 car insurance. Find out more in our Geico car insurance review.
Cons
- Customer Service Variability: Service quality can vary, with mixed reviews on customer support experiences, potentially affecting the overall customer satisfaction with the best Mazda 3 car insurance.
- Higher Premiums for Some Drivers: Rates may be higher for drivers with poor credit or driving records, making it less affordable for certain individuals seeking the best Mazda 3 car insurance.
#3 – USAA: Best for Military Members
Pros
- Excellent Rates: Offers competitive pricing specifically for military members and their families, with a 10% multi-policy discount available. This makes it a top choice for the best Mazda 3 car insurance for eligible individuals.
- Outstanding Customer Service: High ratings for customer service and support, ensuring that military families receive exceptional care and attention, making it ideal for the best Mazda 3 car insurance.
- Comprehensive Coverage: Includes specialized coverage options tailored to military needs, such as deployment and overseas coverage, enhancing the best Mazda 3 car insurance experience for service members. Find out more through our USAA car insurance review.
Cons
- Eligibility Restrictions: Only available to military members and their families, limiting access for non-military individuals who might benefit from the best Mazda 3 car insurance.
- Limited Physical Locations: Fewer local offices and agents compared to some competitors, which may affect in-person service for those who prefer face-to-face interactions when securing the best Mazda 3 car insurance.
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#4 – Progressive: Best for Snapshot Program
Pros
- Snapshot Program: Offers personalized discounts based on driving behavior through the Snapshot program, with up to 12% off for safe driving, making it a great option for the best Mazda 3 car insurance.
- Flexible Policy Options: Provides a range of customizable coverage options and add-ons to suit different needs and preferences for Mazda 3 drivers, enhancing their insurance experience.
- Strong Digital Presence: Highly rated for its user-friendly website and mobile app, making it convenient to manage your insurance online and get the best Mazda 3 car insurance experience.
Cons
- Higher Premiums for Some: Premiums may be higher for drivers with less favorable driving histories or credit scores, impacting the affordability of the best Mazda 3 car insurance. Read more in our review of Progressive car insurance.
- Complex Pricing Structure: The pricing model can be complex, with various factors influencing rates, which might make it difficult for some customers to understand their final costs for the best Mazda 3 car insurance.
#5 – Allstate: Best for Coverage Options
Pros
- Wide Coverage Options: Offers extensive coverage choices and customizable policy options, including a variety of endorsements and add-ons, making it a strong contender for the best Mazda 3 car insurance.
- Many Discount Opportunities: Discounts available for safe driving, bundling, and more, including a 25% multi-policy discount that can significantly lower premiums for the best Mazda 3 car insurance.
- Strong Claims Service: Known for good claims handling and customer satisfaction, with a reputation for efficient and fair claims processing, making it a reliable choice for Mazda 3 owners. Find out more through our Allstate car insurance review.
Cons
- Higher Premiums: Insurance rates can be higher compared to some other providers, which might affect affordability for those seeking the best Mazda 3 car insurance.
- Mixed Customer Service Reviews: Customer service experiences can be inconsistent, with some reports of slow response times and less effective support impacting the best Mazda 3 car insurance experience.
#6 – Nationwide: Best for Claims Satisfaction
Pros
- High Claims Satisfaction: Known for strong claims handling and customer satisfaction, with positive reviews for prompt and fair claim resolutions, making it a top choice for the best Mazda 3 car insurance.
- Variety of Discounts: Offers discounts for safe driving, bundling, and more, including a 20% multi-policy discount, helping to lower overall premiums for the best Mazda 3 car insurance.
- User-Friendly Online Platform: Easy-to-use website and app for managing your policy, with tools for tracking claims and making updates, enhancing the experience for the best Mazda 3 car insurance.
Cons
- Rates Can Be Higher: Premiums might be higher compared to competitors, particularly for drivers with less favorable records or credit scores, which could impact the cost of the best Mazda 3 car insurance.
- Limited Regional Presence: Fewer local agents and offices in some areas, which may affect in-person service and support when seeking the best Mazda 3 car insurance, which you can learn about in our Nationwide review.
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#7 – Farmers: Best for Essential Workers
Pros
- Specialized Coverage: Offers coverage options tailored to essential workers and other specialized groups, including unique policies that address specific needs, making it a strong contender for the best Mazda 3 car insurance.
- Variety of Discounts: Discounts available for safe driving, bundling, and more, with a 15% multi-policy discount that can reduce premiums for the best Mazda 3 car insurance.
- Strong Community Involvement: Known for community involvement and support, with initiatives that contribute to local communities, enhancing the overall experience of the best Mazda 3 car insurance. For detailed information, refer to our comprehensive report titled “Farmers Car Insurance Review.”
Cons
- Potentially Higher Rates: Premiums can be higher, especially for drivers with less favorable records or higher risk profiles, which may impact affordability for the best Mazda 3 car insurance.
- Inconsistent Customer Service: Customer service experiences can vary, with some reports of less responsive support and slower resolution times affecting the best Mazda 3 car insurance.
#8 – Travelers: Best for Flexible Policies
Pros
- Flexible Policies: Offers customizable policies to fit various needs and preferences, including a range of coverage options and endorsements, making it a top choice for the best Mazda 3 car insurance.
- Wide Range of Discounts: Provides discounts for safe driving, bundling, and more, including a 15% multi-policy discount that can lower costs for the best Mazda 3 car insurance.
- Strong Financial Ratings: High ratings for financial stability and reliability, ensuring that the company can handle claims effectively and provide the best Mazda 3 car insurance. For a comprehensive analysis, refer to our detailed guide titled “Travelers Car Insurance Review.”
Cons
- Higher Premiums for Some: Rates may be higher for drivers with less favorable records or credit scores, impacting the affordability of the best Mazda 3 car insurance.
- Customer Service Issues: Some customers report issues with claims handling and customer support, which could affect satisfaction with the best Mazda 3 car insurance.
#9 – Mercury: Best for Regional Focus
Pros
- Regional Focus: Strong presence and competitive rates in specific regions, offering tailored coverage and pricing based on local market conditions, making it a good choice for the best Mazda 3 car insurance.
- Affordable Rates: Known for offering competitive pricing, with a 10% multi-policy discount available to reduce premiums, ideal for the best Mazda 3 car insurance.
- Variety of Discounts: Discounts available for safe driving, bundling, and more, helping to lower overall insurance costs for the best Mazda 3 car insurance.
Cons
- Limited Availability: Not available in all states, which may limit access for some drivers seeking the best Mazda 3 car insurance which is covered in our Mercury car insurance review.
- Less Comprehensive Online Tools: Fewer digital tools and resources compared to some competitors, potentially making policy management less convenient for the best Mazda 3 car insurance.
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#10 – Erie: Best for Low Rates
Pros
- Low Rates: Offers competitive pricing, often lower than many other providers, with a 20% multi-policy discount that can reduce premiums for the best Mazda 3 car insurance.
- Variety of Discounts: Discounts available for safe driving, bundling, and more, including a generous multi-policy discount for the best Mazda 3 car insurance.
- Comprehensive Coverage Options: Provides a range of coverage options to fit various needs, with flexibility in policy customization, making it a strong option for the best Mazda 3 car insurance.
Cons
- Limited Geographic Availability: Not available in all regions, which may affect some potential customers seeking the best Mazda 3 car insurance. Learn more through our Erie car insurance review.
- Potentially Slower Claims Processing: Some customers report slower claims processing compared to larger insurers, which could delay resolutions for the best Mazda 3 car insurance.
Mazda 3 Car Insurance Cost: Insuring a Mazda 3
The cost of insuring a Mazda 3 typically averages around $1,400 per year, or about $117 per month for a full coverage policy. While these rates are not the cheapest, they are relatively affordable considering that some insurance companies categorize the Mazda 3 as a sports car, which can drive up premiums.
The insurance cost for a Mazda 3 is determined by various factors beyond its potential sports car classification. These factors include the vehicle’s theft rates, safety ratings, sticker price, and accident statistics.
Mazda 3 Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $61 $120
Erie $52 $107
Farmers $65 $143
Geico $35 $95
Mercury $54 $114
Nationwide $63 $121
Progressive $56 $125
State Farm $41 $88
Travelers $50 $115
USAA $47 $98
Additionally, personal factors such as your driving record, location, and driving habits significantly impact the final insurance rate. In the following sections, we’ll delve into the specific aspects of the Mazda 3 that contribute to its insurance costs.
Comparing Mazda 3 Quotes Online
The Mazda 3 is a compact, sporty vehicle known for its engaging driving experience, but understanding its insurance costs is crucial before making a purchase. Is insuring a Mazda 3 expensive?
This is a common question, and insurance is just one of many factors to consider when buying a car, albeit not the most exciting. However, thorough research is necessary, and we’ve done it for you.
In this detailed guide, we’ll explore everything you need to know about owning and insuring a Mazda 3. We’ll delve into the car’s size, class, safety features, pricing, theft rates, and repair costs, all of which play a role in determining insurance rates.
If you’re looking for cheap car insurance for your Mazda 3, simply enter your ZIP code in the box below to get started immediately.
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Effect of the Frequency of Claims Filed in Mazda 3 Car Insurance Rates
The frequency of claims filed on the Mazda 3 has a notable impact on its car insurance rates. Insurance companies use this data to adjust premiums, as higher claim frequencies often lead to higher costs.
For instance, the Mazda 3, categorized as a small four-door hatchback or sedan, has a claim frequency of 8.4 per 100 insured vehicle years. This is above the average claim frequency of 7.3 for all vehicle types.
Such statistics indicate that Mazda 3 owners are likely to experience higher premiums due to the increased risk associated with more frequent claims. Understanding this aspect is crucial when considering how filing car insurance claims can influence your overall insurance costs.
Other Car Insurance Coverage Rates for the Mazda 3
When it comes to finding the best rates for Mazda 3 car insurance, it’s crucial to understand the factors influencing those rates. Insurance premiums can vary significantly based on several aspects, including the state of residence and even changes over time.
For instance, while insurance costs for a 2013 Mazda 3 might differ from those of a 2014 Mazda 3, other regional variations can also impact rates. One effective way to potentially lower your insurance premiums is by improving your driving behavior.
Safe driving habits often result in lower premiums, as insurers view you as a lower risk. Additionally, the Mazda 3’s safety ratings play a role in determining insurance costs, particularly for personal injury protection insurance (PIP) and medical payments (Med Pay) coverage.
PIP insurance covers injuries sustained by occupants of your vehicle in an accident, and the Mazda 3’s PIP loss percentage for the hatchback model is notably lower than the sedan, reflecting above-average safety.
Schimri Yoyo
Licensed Agent & Financial Advisor
By understanding these nuances and focusing on factors you can control, you can better manage your Mazda 3’s insurance costs. Enter your ZIP code now to begin comparing.
Frequently Asked Questions
Are Mazda 3 car insurance rates higher or lower compared to other vehicles?
Car insurance rates for a Mazda 3 can vary depending on multiple factors, including the ones mentioned earlier. The rates are generally influenced by the vehicle’s safety features, repair costs, and the likelihood of theft or accidents.
It’s recommended to obtain quotes from different insurance providers to determine the specific rates for your Mazda 3 and compare them to rates for other vehicles in a similar category.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
