2020 Mazda 3 Car Insurance Calculator

View in real-time how choices you make affect car insurance rates for a 2020 Mazda 3. Experiment with factors like annual miles driven, vehicle usage, driver gender, and your marital status. Find out instantly how much rates change and learn exactly why.

The average estimated car insurance premium for a 2020 Mazda 3 is $1,834 per year, or about $153 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

$1,834

Cost Per Month

$153

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 2020 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.

$1,834
Average Rate
Your Rate
$1,834

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 2020 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 2020 Mazda 3 is $1,834.

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.

2020 Mazda 3 vs. the Small Car Segment

The table below compares insurance rates for the 2020 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.

2020 Mazda 3 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chevrolet Spark$1,586-$248
2Honda Fit$1,648-$186
3Fiat 500L$1,666-$168
4Toyota Corolla$1,690-$144
5Volkswagen Golf$1,732-$102
6Toyota Yaris$1,752-$82
7Subaru Impreza$1,778-$56
8Fiat 124 Spider$1,806-$28
9Nissan Sentra$1,820-$14
10Mazda 3$1,834--
11Honda Civic$1,874$40
12Kia Rio$1,880$46
13Hyundai Accent$1,898$64
14Kia Forte$1,916$82
2020 Small Car Average$1,973$139
15Toyota Prius$2,024$190
16Hyundai Veloster$2,080$246
17Volkswagen GTI$2,088$254
18Volkswagen Jetta$2,100$266
19Nissan Versa$2,110$276
20Nissan Leaf$2,128$294
21Mitsubishi Mirage G4$2,130$296
22Chevrolet Sonic$2,168$334
23Honda Clarity$2,206$372
24Hyundai Elantra$2,230$396
25Hyundai Ioniq$2,274$440
26Toyota 86$2,406$572
27Toyota Mirai$2,460$626

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.

2020 3 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 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.

2020 Mazda 3 Insurance Rates by Trim Level
2020 Mazda 3 Trim Level Annual Premium Cost Per Month
Sedan$1,710$143
FWD Hatchback$1,772$148
Select Sedan$1,772$148
AWD$1,834$153
Preferred FWD Hatchback$1,834$153
Preferred Sedan$1,834$153
Select AWD$1,834$153
Preferred AWD$1,864$155
Premium FWD Hatchback$1,894$158
Premium Sedan$1,894$158
Premium AWD$1,916$160

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 2020 Mazda 3 for different driver ages.

2020 Mazda 3 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,607$551
17$6,348$529
18$5,586$466
19$5,133$428
20$3,912$326
21$3,734$311
22$3,331$278
23$2,780$232
24$2,612$218
25$2,122$177
30$1,942$162
35$1,886$157
40$1,834$153
45$1,720$143
50$1,636$136
55$1,526$127
60$1,528$127
65$1,624$135
70$1,772$148
75$2,106$176
80$2,590$216

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.