2013 Mazda 3 Car Insurance Calculator

Watch in real-time how different driver, vehicle, and coverage options influence insurance rates for a 2013 Mazda 3. Change driving record, coverage levels, mileage driven, and vehicle usage plus many other factors. Instantly know if the changes you make have a positive or negative affect on rates.

The average estimated car insurance premium for a 2013 Mazda 3 is $1,358 per year, or about $113 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

$1,358

Cost Per Month

$113

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 2013 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.

$1,358
Average Rate
Your Rate
$1,358

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.

The 'Average Rate' is a combined value for all 2013 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 2013 Mazda 3 is $1,358.

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.

2013 Mazda 3 vs. the Small Car Segment

The table below compares insurance rates for the 2013 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.

2013 Mazda 3 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Smart Fortwo$1,032-$326
2Chrysler Fiat 500$1,064-$294
3Mazda 2$1,084-$274
4Nissan Leaf$1,094-$264
5Toyota Matrix$1,106-$252
6Scion IQ$1,128-$230
7Chevrolet Spark$1,192-$166
8Kia Rio5$1,242-$116
9Hyundai Accent$1,254-$104
10Ford Fiesta$1,262-$96
11Chevrolet Sonic$1,274-$84
12Honda Fit$1,276-$82
13Kia Rio$1,300-$58
14Nissan Versa$1,306-$52
15Toyota Yaris$1,322-$36
16Nissan Sentra$1,330-$28
17Hyundai Elantra$1,336-$22
18Honda CR-Z$1,354-$4
19Mazda 3$1,358--
2013 Small Car Average$1,362$4
20Toyota Corolla$1,364$6
21Honda Civic$1,370$12
22Volkswagen Beetle$1,380$22
23Mazda Mazdaspeed 3$1,432$74
24Volkswagen GTI$1,462$104
25Dodge Dart$1,466$108
26Volkswagen Jetta$1,470$112
27Toyota Prius$1,474$116
28Chevrolet Cruze$1,480$122
29Subaru Impreza$1,484$126
30Kia Forte$1,488$130
31Volkswagen Golf$1,492$134
32Ford Focus$1,496$138
33Volkswagen EOS$1,508$150
34Hyundai Veloster$1,520$162
35Scion FR-S$1,534$176
36Chevrolet Volt$1,598$240
37Scion TC$1,668$310
38Mitsubishi Lancer$1,742$384

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.

2013 3 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2013 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.

2013 Mazda 3 Insurance Rates by Trim Level
2013 Mazda 3 Trim Level Annual Premium Cost Per Month
I SV Sedan$1,260$105
I Sport Sedan$1,312$109
I Touring Hatchback$1,312$109
I Touring Sedan$1,312$109
I Grand Touring Hatchback$1,394$116
I Grand Touring Sedan$1,398$117
S Grand Touring Hatchback$1,434$120
S Grand Touring Sedan$1,436$120

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 2013 Mazda 3 for different driver ages.

2013 Mazda 3 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,022$419
17$4,777$398
18$4,118$343
19$3,816$318
20$2,886$241
21$2,754$230
22$2,441$203
23$2,069$172
24$1,931$161
25$1,566$131
30$1,428$119
35$1,400$117
40$1,358$113
45$1,282$107
50$1,224$102
55$1,142$95
60$1,142$95
65$1,210$101
70$1,340$112
75$1,614$135
80$1,988$166

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.