2018 Mazda 3 Car Insurance Calculator

Discover how the choices you make impact the cost of insurance for a 2018 Mazda 3. Modify choices like homeowner status, credit history, policy coverages, and liability limits. Find out instantly if your choice increases or decreases premiums and why.

The average estimated car insurance premium for a 2018 Mazda 3 is $1,580 per year, or about $132 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

$1,580

Cost Per Month

$132

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 2018 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.

$1,580
Average Rate
Your Rate
$1,580

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 2018 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 2018 Mazda 3 is $1,580.

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.

2018 Mazda 3 vs. the Small Car Segment

The table below compares insurance rates for the 2018 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.

2018 Mazda 3 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chrysler Fiat 500$1,452-$128
2Ford Fiesta$1,496-$84
3Fiat 124 Spider$1,552-$28
4Smart Fortwo$1,570-$10
5Mazda 3$1,580--
6Volkswagen Golf$1,600$20
7Subaru Impreza$1,610$30
8Toyota Yaris$1,614$34
9Chevrolet Spark$1,618$38
10Honda Fit$1,622$42
11Hyundai Accent$1,630$50
12Nissan Sentra$1,760$180
13Nissan Versa$1,768$188
14Honda Civic$1,790$210
2018 Small Car Average$1,814$234
15Toyota Prius$1,850$270
16Volkswagen Beetle$1,868$288
17Toyota Corolla$1,874$294
18Hyundai Ioniq$1,880$300
19Nissan Leaf$1,886$306
20Chevrolet Sonic$1,894$314
21Volkswagen GTI$1,930$350
22Chevrolet Cruze$1,940$360
23Chevrolet Volt$1,972$392
24Volkswagen E-Golf$1,988$408
25Honda Clarity$1,998$418
26Kia Rio$2,014$434
27Ford Focus$2,046$466
28Hyundai Elantra$2,064$484
29Kia Forte$2,072$492
30Volkswagen Jetta$2,078$498
31Toyota 86$2,214$634

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.

2018 3 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 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.

2018 Mazda 3 Insurance Rates by Trim Level
2018 Mazda 3 Trim Level Annual Premium Cost Per Month
Sport Hatchback$1,510$126
Sport Sedan$1,510$126
Touring Hatchback$1,564$130
Touring Sedan$1,564$130
Grand Touring Hatchback$1,622$135
Grand Touring Sedan$1,622$135
SE Hatchback$1,622$135
SE Sedan$1,622$135

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 2018 Mazda 3 for different driver ages.

2018 Mazda 3 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,771$481
17$5,516$460
18$4,805$400
19$4,435$370
20$3,365$280
21$3,210$268
22$2,856$238
23$2,399$200
24$2,249$187
25$1,826$152
30$1,668$139
35$1,626$136
40$1,580$132
45$1,486$124
50$1,416$118
55$1,322$110
60$1,324$110
65$1,402$117
70$1,544$129
75$1,848$154
80$2,274$190

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.