2016 Mazda 3 Car Insurance Calculator

Gain insights into how different driver and vehicle factors impact the cost of car insurance for a 2016 Mazda 3. Ajust options like coverage amounts, annual mileage, and vehicle usage to see how insurance rates are affected. Immediately see if your choice increases or decreases premiums and why.

The average estimated car insurance premium for a 2016 Mazda 3 is $1,538 per year, or about $128 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

$1,538

Cost Per Month

$128

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 2016 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.

$1,538
Average Rate
Your Rate
$1,538

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 2016 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 2016 Mazda 3 is $1,538.

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.

2016 Mazda 3 vs. the Small Car Segment

The table below compares insurance rates for the 2016 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.

2016 Mazda 3 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Smart Fortwo$1,254-$284
2Chrysler Fiat 500$1,360-$178
3Honda Fit$1,386-$152
4Toyota Yaris$1,394-$144
5Nissan Versa$1,396-$142
6Ford Fiesta$1,408-$130
7Subaru Impreza$1,472-$66
8Scion IM$1,488-$50
9Chevrolet Spark$1,500-$38
10Hyundai Accent$1,504-$34
11Volkswagen Golf$1,518-$20
12Mazda 3$1,538--
13Scion IA$1,540$2
14Honda CR-Z$1,576$38
15Honda Civic$1,586$48
16Nissan Sentra$1,590$52
17Kia Rio$1,612$74
18Toyota Corolla$1,628$90
2016 Small Car Average$1,636$98
19Nissan Leaf$1,642$104
20Toyota Prius$1,644$106
21Hyundai Veloster$1,650$112
22Chevrolet Sonic$1,668$130
23Volkswagen Beetle$1,694$156
24Volkswagen GTI$1,706$168
25Chevrolet Volt$1,708$170
26Chevrolet Cruze$1,712$174
27Volkswagen EOS$1,716$178
28Kia Forte$1,724$186
29Ford Focus$1,744$206
30Hyundai Elantra$1,760$222
31Scion FR-S$1,778$240
32Mitsubishi Lancer$1,838$300
33Volkswagen E-Golf$1,852$314
34Volkswagen Jetta$1,924$386
35Dodge Dart$1,968$430
36Scion TC$2,022$484
37Toyota Mirai$2,036$498

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.

2016 3 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 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.

2016 Mazda 3 Insurance Rates by Trim Level
2016 Mazda 3 Trim Level Annual Premium Cost Per Month
I Sport Sedan$1,394$116
I Sport Hatchback$1,458$122
I Touring Hatchback$1,506$126
I Touring Sedan$1,506$126
I Grand Touring Hatchback$1,554$130
I Grand Touring Sedan$1,554$130
S Grand Touring Hatchback$1,604$134
S Grand Touring Sedan$1,604$134
S Touring Hatchback$1,604$134
S Touring Sedan$1,604$134

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 2016 Mazda 3 for different driver ages.

2016 Mazda 3 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,639$470
17$5,388$449
18$4,688$391
19$4,325$360
20$3,283$274
21$3,132$261
22$2,783$232
23$2,339$195
24$2,190$183
25$1,780$148
30$1,622$135
35$1,584$132
40$1,538$128
45$1,448$121
50$1,382$115
55$1,288$107
60$1,288$107
65$1,368$114
70$1,506$126
75$1,804$150
80$2,220$185

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.