2021 Mazda 3 Car Insurance Calculator

Learn visually how decisions you make affect the cost of insurance for a 2021 Mazda 3. Customize rate factors like your marital status, location, homeowner status, and credit rating. Instantly know if your rates increased or decreased.

The average estimated car insurance premium for a 2021 Mazda 3 is $1,884 per year, or about $157 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

$1,884

Cost Per Month

$157

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 2021 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.

$1,884
Average Rate
Your Rate
$1,884

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 2021 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 2021 Mazda 3 is $1,884.

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.

2021 Mazda 3 vs. the Small Car Segment

The table below compares insurance rates for the 2021 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.

2021 Mazda 3 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chevrolet Spark$1,630-$254
2Kia Rio5$1,722-$162
3Toyota Corolla$1,736-$148
4Volkswagen Golf$1,788-$96
5Subaru Impreza$1,830-$54
6Nissan Sentra$1,872-$12
7Mazda 3$1,884--
8Honda Civic$1,918$34
9Kia Rio$1,928$44
10Hyundai Accent$1,944$60
11Kia Forte$1,974$90
2021 Small Car Average$2,056$172
12Toyota Prius$2,086$202
13Hyundai Veloster$2,152$268
14Volkswagen Jetta$2,156$272
15Nissan Versa$2,164$280
16Volkswagen GTI$2,168$284
17Nissan Leaf$2,190$306
18Mitsubishi Mirage G4$2,192$308
19Honda Clarity$2,272$388
20Hyundai Elantra$2,298$414
21Hyundai Ioniq$2,340$456
22Toyota 86$2,478$594
23Toyota Mirai$2,574$690

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.

2021 3 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 Mazda 3 Insurance Rates by Trim Level
2021 Mazda 3 Trim Level Annual Premium Cost Per Month
Sedan$1,756$146
FWD Hatchback$1,822$152
Select Sedan$1,822$152
AWD$1,884$157
Preferred FWD Hatchback$1,884$157
Preferred Sedan$1,884$157
Select AWD$1,884$157
Preferred AWD$1,918$160
Premium FWD Hatchback$1,950$163
Premium Sedan$1,950$163
Premium AWD$1,972$164

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 2021 Mazda 3 for different driver ages.

2021 Mazda 3 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,780$565
17$6,518$543
18$5,751$479
19$5,278$440
20$4,026$336
21$3,842$320
22$3,426$286
23$2,857$238
24$2,685$224
25$2,182$182
30$2,000$167
35$1,940$162
40$1,884$157
45$1,768$147
50$1,682$140
55$1,570$131
60$1,570$131
65$1,668$139
70$1,820$152
75$2,160$180
80$2,656$221

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.