Mazda 3 Insurance Costs: Rates and Rankings for 2025

How much does Mazda 3 insurance cost, and how does it rank compared to all compact cars? We analyze average rates since the 2013 model year to see how it stacks up against the competition.

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How much does Mazda 3 insurance cost?

Mazda 3 car insurance rates average $2,424 a year for a policy that includes full coverage. Monthly insurance cost for a Mazda 3 ranges from $188 to $217, depending on the trim level.

Expect to pay around $109 more per year for Mazda 3 insurance compared to the overall average cost for the compact car segment, and $203 more per year than the all-vehicle national average cost of $2,221.

The following chart illustrates how average 2024 Mazda 3 insurance cost varies with changes in driver age and coverage deductibles.

Average 2024 Mazda 3 car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2024 Mazda 3 car insurance premiums for different driver ages and policy deductibles. Rates updated on June 26, 2025.

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Data Methodology: Average premiums are based on a 2024 model year Mazda 3. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2024 Mazda 3 Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$4,106$342
$500$4,852$404
$250$5,642$470
30-Year-Old$1,000$2,164$180
$500$2,584$215
$250$3,018$252
40-Year-Old$1,000$2,038$170
$500$2,424$202
$250$2,824$235
50-Year-Old$1,000$1,812$151
$500$2,146$179
$250$2,492$208
60-Year-Old$1,000$1,696$141
$500$2,006$167
$250$2,330$194

Data Methodology: Rated driver has no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for the 2024 Mazda 3. Updated June 26, 2025

What is the cheapest Mazda 3 insurance?

The cheapest Mazda 3 car insurance can be found on the base 2.5 S at around $2,256 per year. The second cheapest model to insure is the 2.5 S Select Sport at $2,276 per year.

For better-equipped Mazda 3 trim levels, the three most expensive models to insure are the Mazda 3 2.5 Carbon Turbo Hatchback, the 2.5 S Turbo Premium Plus, and the 2.5 Turbo Premium Plus Hatchback trim levels all at an average rate of $2,598 per year.

An average driver can plan on budgeting between $188 to $217 per month for full coverage Mazda 3 insurance. It’s important to note, however, that rates can vary substantially based on factors like driver age, driver location, and any prior at-fault accidents or driving citations.

The rate table below details average yearly and semi-annual car insurance rates, plus a monthly budget figure, for each Mazda 3 model trim level.

2024 Mazda 3 Insurance Rates by Trim Level
2024 Mazda 3 Trim Level Annual Premium Cost Per Month
2.5 S$2,256$188
2.5 S Select Sport$2,276$190
2.5 S Select Sport Hatchback$2,314$193
2.5 S Preferred$2,334$195
2.5 S Preferred Hatchback$2,370$198
2.5 S Carbon Edition$2,426$202
2.5 S Carbon Edition Hatchback$2,456$205
2.5 S Premium Hatchback$2,460$205
2.5 Carbon Turbo$2,492$208
2.5 Carbon Turbo Hatchback$2,520$210
2.5 S Turbo Premium Plus$2,576$215
2.5 Turbo Premium Plus Hatchback$2,598$217

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. Updated June 26, 2025

Insurance cost by trim level for a 2024 Mazda 3 ranging from the 2.5 S model at $2,256 per year to the 2.5 Turbo Premium Plus Hatchback model at $2,598
Insurance cost by trim level for a 2024 Mazda 3 ranging from the 2.5 S model at $2,256 per year to the 2.5 Turbo Premium Plus Hatchback model at $2,598

Where does Mazda 3 insurance cost rank?

The Mazda 3 ranks 12th out of 15 total comparison vehicles in the small car segment. It costs an average of $2,424 per year to insure, while the category median cost is $2,315 annually, a difference of $109 per year.

When the Mazda 3 is compared to other small cars, insurance costs $350 more per year than the Honda Civic, $142 more than the Toyota Corolla, $278 more than the Nissan Sentra, and $118 less than the Hyundai Elantra.

The table below shows how the average car insurance cost for a Mazda 3 compares to the entire small car segment. Also included is the insurance cost difference between each model and the Mazda 3.

Insurance Cost Comparison: Mazda 3 vs Small Cars
Rank Make and Model Annual Premium Difference
1Toyota GR Corolla$2,034-$390
2Nissan Leaf$2,052-$372
3Honda Civic$2,074-$350
4Nissan Sentra$2,146-$278
5Subaru Impreza$2,154-$270
6Toyota Prius$2,188-$236
7Toyota Corolla$2,282-$142
8Kia Forte$2,288-$136
9Nissan Versa$2,310-$114
10Mitsubishi Mirage G4$2,364-$60
11Volkswagen Jetta$2,370-$54
12Mazda 3$2,424--
13Hyundai Elantra$2,542$118
14Volkswagen Golf$2,586$162
15Toyota Mirai$2,916$492

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 vehicle from the 2024 model year. Updated June 27, 2025

At $2,424 per year, insurance cost for a 2024 Mazda 3 ranks 12th out of 15 models in the small car segment
At $2,424 per year, insurance cost for a 2024 Mazda 3 ranks 12th out of 15 models in the small car segment

A Mazda 3 has an average MSRP of $29,550, ranging from the cheapest 2.5 S model at $24,170 to the most expensive 2.5 Turbo Premium Plus Hatchback costing $36,650.

The compact cars that have purchase prices closest to the Mazda 3 are the Honda Civic, Nissan Leaf, Hyundai Elantra, and Volkswagen Jetta.

The next list takes those four models and compares them to the Mazda 3 for both average MSRP and the cost to insure for full coverage. Visit our car insurance rate comparisons index for a full list of our head-to-head insurance rate comparisons.

  • Mazda 3 vs. Honda Civic – The average MSRP for a 2024 Mazda 3 is $421 more expensive than the Honda Civic, at $29,550 compared to $29,130. Buying car insurance for the Honda Civic costs an average of $350 less per year than the Mazda 3.
  • Mazda 3 vs. Nissan Leaf – For a new 2024 model, the MSRP for the Nissan Leaf averages $2,615 more than the average MSRP for the Mazda 3 ($32,165 compared to $29,550). Expect to pay approximately $372 less annually for insurance on the Nissan Leaf compared to a Mazda 3.
  • Mazda 3 vs. Hyundai Elantra – The average MSRP for a 2024 Mazda 3 is $2,874 more expensive than the Hyundai Elantra, at $29,550 compared to $26,676. Insurance for the Hyundai Elantra costs an average of $118 more each year than the Mazda 3.
  • Mazda 3 vs. Volkswagen Jetta – The 2024 Mazda 3 has an average MSRP that is $3,285 more expensive than the Volkswagen Jetta ($29,550 versus $26,265). Insurance on a Mazda 3 costs an average of $54 more every 12 months than the Volkswagen Jetta.

Does a newer model cost more to insure?

Forgoing new 2024 models and instead driving a used 2014 Mazda 3 could cut your insurance cost by $1,010 per year at a bare minimum.

The table below shows the average insurance policy premiums for a Mazda 3 for a range of model years and driver ages. Insurance rates range from a minimum of $1,186 for a 60-year-old driver rated on a 2014 Mazda 3 to the most expensive rate of $4,852 for a 20-year-old driver rated on a 2024 model.

Mazda 3 Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2024 Mazda 3$4,852$2,424$2,006
2023 Mazda 3$4,344$2,180$1,818
2022 Mazda 3$4,222$2,114$1,764
2021 Mazda 3$3,762$1,884$1,570
2020 Mazda 3$3,656$1,834$1,528
2019 Mazda 3$3,448$1,724$1,440
2018 Mazda 3$3,150$1,580$1,324
2017 Mazda 3$2,992$1,502$1,258
2016 Mazda 3$3,074$1,538$1,288
2015 Mazda 3$2,906$1,454$1,220
2014 Mazda 3$2,818$1,414$1,186
2013 Mazda 3$2,706$1,358$1,142

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 Mazda 3 trim levels for each model year. Updated June 26, 2025

Average insurance rates for 2013 to 2024 Mazda 3 models for drivers age 20, 40 and 60
Average insurance rates for 2013 to 2024 Mazda 3 models for drivers age 20, 40 and 60

At some point down the road, the decision needs to be made to delete coverage for physical damage claims from a policy. As a Mazda 3 loses value as it ages, the cost required to keep physical damage insurance is more than the benefits provided by full coverage.

Dropping full coverage on an older Mazda 3 may save $746 per year, depending on where the physical damage deductibles were set and the age of the rated driver.

How much are Mazda 3 insurance rates for teens?

Average car insurance rates for teenage drivers on a 2024 Mazda 3 range from a low of $5,746 for insurance for a 19-year-old female driver to a high of $8,581 for insurance for a 16-year-old male driver. Older models can reduce this cost somewhat, as demonstrated in the chart below.

The Insurance Institute for Highway Safety (IIHS) ranked the Mazda 3 as one of the best small cars for teenagers. The chart below shows average car insurance rates for male and female drivers aged 16 to 19 when insured on a 2017 Mazda 3 with full coverage.

Average cost to insure teenage drivers on a 2017 Mazda 3 with full coverage.
Figure 2: Average cost to insure teenage drivers on a 2017 Mazda 3 with full coverage. Rates updated on June 27, 2025.

Data Methodology: Teenage driver rates are for a 2017 model year Mazda 3 with $500 comprehensive and collision deductibles. Rates are averaged across all U.S. states and all Mazda 3 trim levels. Rates assume a clean driving record and no claims or at-fault accidents.

Mazda 3 Insurance Cost for Teenage Drivers
Driver Age Male Driver Female Driver
16-Year-Old$5,508$5,135
17-Year-Old$5,257$5,089
18-Year-Old$4,558$4,262
19-Year-Old$4,215$3,524

Data Methodology: Rated teen drivers have 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. Premium amounts are averaged for all trim levels available on the 2017 Mazda 3. Updated June 27, 2025

We used a 2017 Mazda 3 as the example vehicle for the chart above, but the IIHS article recommended the Mazda 3 back to the 2014 model year. That may be close to the point where full coverage can be eliminated entirely, since insuring for liability-only coverage is a good way to reduce the cost of insurance for teens.

Other insights about Mazda 3 insurance rates include:

  • Increase physical damage deductibles to save money. Raising your policy deductibles from $500 to $1,000 could save around $386 per year for a 40-year-old driver and $746 per year for a 20-year-old driver.
  • Low deductibles will increase rates. Lowering your physical damage coverage deductibles from $500 to $250 could cost an additional $400 per year for a 40-year-old driver and $790 per year for a 20-year-old driver.
  • Safe drivers have lower car insurance rates. At-fault accidents increase insurance cost, potentially by an extra $1,160 per year for a 30-year-old driver and even $584 per year for a 60-year-old driver.
  • Young male drivers pay the highest rates. For a 2024 Mazda 3, a 20-year-old male driver receives an average rate of $4,852 per year, while a 20-year-old woman will get a rate of $3,490, a difference of $1,362 per year in favor of the women by a long shot. But by age 50, the cost for men is $2,146 and the rate for women is $2,092, a difference of only $54.
  • As you get older, car insurance rates go down. The difference in insurance cost on a 2024 Mazda 3 between a 50-year-old driver ($2,146 per year) and a 30-year-old driver ($2,584 per year) is $438, or a savings of 18.5%.
  • Earn policy discounts to save money. Discounts may be available if the policyholders belong to certain professional organizations, choose electronic billing, are loyal customers, are military or federal employees, or other policy discounts which could save the average driver as much as $412 per year on Mazda 3 insurance.