Mazda 3 Car Insurance Calculator

Get real-time feedback how changes to risk factors and vehicle options impact the insurance cost for a Mazda 3. Adjust factors such as policy coverages, liability limits, deductibles, and driver's age. Instantly see the change in rates and learn exactly why they changed.

The average estimated car insurance premium for a 2024 Mazda 3 is $2,424 per year, or about $202 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,424

Cost Per Month

$202

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Mazda 3 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a Mazda 3.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,424
Average Rate
Your Rate
$2,424

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Mazda 3.

The 'Average Rate' is a combined value for all Mazda 3 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2024 Mazda 3 is $2,424.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2024 Mazda 3 vs. the Small Car Segment

The table below compares insurance rates for the 2024 Mazda 3 against all other models in the small car segment. The Mazda 3 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Mazda 3, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Mazda 3.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2024 Mazda 3 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Toyota GR Corolla$2,034-$390
2Nissan Leaf$2,052-$372
3Honda Civic$2,074-$350
4Nissan Sentra$2,146-$278
5Subaru Impreza$2,154-$270
6Toyota Prius$2,188-$236
7Toyota Corolla$2,282-$142
8Kia Forte$2,288-$136
9Nissan Versa$2,310-$114
2024 Small Car Average$2,315-$109
10Mitsubishi Mirage G4$2,364-$60
11Volkswagen Jetta$2,370-$54
12Mazda 3$2,424--
13Hyundai Elantra$2,542$118
14Volkswagen Golf$2,586$162
15Toyota Mirai$2,916$492

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2024 3 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2024 Mazda 3.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2024 Mazda 3 Insurance Rates by Trim Level
2024 Mazda 3 Trim Level Annual Premium Cost Per Month
2.5 S$2,256$188
2.5 S Select Sport$2,276$190
2.5 S Select Sport Hatchback$2,314$193
2.5 S Preferred$2,334$195
2.5 S Preferred Hatchback$2,370$198
2.5 S Carbon Edition$2,426$202
2.5 S Carbon Edition Hatchback$2,456$205
2.5 S Premium Hatchback$2,460$205
2.5 Carbon Turbo$2,492$208
2.5 Carbon Turbo Hatchback$2,520$210
2.5 S Turbo Premium Plus$2,576$215
2.5 Turbo Premium Plus Hatchback$2,598$217

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2024 Mazda 3 for different driver ages.

2024 Mazda 3 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,581$715
17$8,311$693
18$7,446$621
19$6,790$566
20$5,204$434
21$4,968$414
22$4,452$371
23$3,665$305
24$3,463$289
25$2,814$235
30$2,584$215
35$2,490$208
40$2,424$202
45$2,266$189
50$2,146$179
55$2,002$167
60$2,006$167
65$2,136$178
70$2,306$192
75$2,710$226
80$3,332$278

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Mazda 3 trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Mazda 3.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Mazda 3 Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2024 Mazda 3$2,424$202
2023 Mazda 3$2,180$182
2022 Mazda 3$2,114$176
2021 Mazda 3$1,884$157
2020 Mazda 3$1,834$153
2019 Mazda 3$1,724$144
2018 Mazda 3$1,580$132
2017 Mazda 3$1,502$125
2016 Mazda 3$1,538$128
2015 Mazda 3$1,454$121
2014 Mazda 3$1,414$118
2013 Mazda 3$1,358$113

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Mazda 3 trim levels for each model year.