Mazda 3 Car Insurance Rates for 2023

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 $1,690 a year for a policy that includes full coverage. Monthly insurance cost for a Mazda 3 ranges from $132 to $150, depending on the trim level.

Expect to pay around $67 less per year for Mazda 3 insurance compared to the overall average cost for the compact car segment, and $5 more per year than the all-vehicle national average cost of $1,685.

The following chart illustrates how average 2023 Mazda 3 insurance cost varies with changes in driver age and coverage deductibles.

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Chart Data Details: Chart shows average insurance cost for a 2023 Mazda 3 with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Mazda 3 trim levels.Data last updated on January 23, 2023
Mazda 3 Car Insurance Cost Summary
Mazda 3 Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,882$240
$500$3,334$278
$250$3,810$318
30$1,000$1,510$126
$500$1,768$147
$250$2,036$170
40$1,000$1,454$121
$500$1,690$141
$250$1,934$161
50$1,000$1,330$111
$500$1,542$129
$250$1,762$147
60$1,000$1,302$109
$500$1,510$126
$250$1,726$144

What is the cheapest Mazda 3 insurance?

The cheapest Mazda 3 car insurance can be found on the base 2.5 S at around $1,582 per year. The second cheapest model to insure is the 2.5 S Hatchback at $1,610 per year.

For better equipped Mazda 3 trim levels, the three most expensive models to insure are the Mazda 3 2.5 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 $1,802 per year.

An average driver can plan on budgeting between $132 to $150 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.

2023 Mazda 3 Insurance Cost by Trim Level
Mazda 3 Trim Level Annual Policy 6-month Policy Per Month
2.5 S$1,582$791$132
2.5 S Hatchback$1,610$805$134
2.5 S Select$1,618$809$135
2.5 S Select Hatchback$1,644$822$137
2.5 S Preferred$1,652$826$138
2.5 S Preferred Hatchback$1,676$838$140
2.5 S Carbon Edition$1,686$843$141
2.5 S Carbon Edition Hatchback$1,704$852$142
2.5 S Premium Hatchback$1,720$860$143
2.5 S Premium$1,724$862$144
2.5 Turbo Hatchback$1,768$884$147
2.5 S Turbo Premium Plus$1,786$893$149
2.5 Turbo Premium Plus Hatchback$1,802$901$150

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Mazda 3, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on January 23, 2023
Mazda 3 Insurance Cost by Trim Level

Where does Mazda 3 insurance cost rank?

The Mazda 3 ranks seventh out of 15 total comparison vehicles in the small car segment. It costs an average of $1,690 per year to insure, while the category median cost is $1,757 annually, a difference of $67 per year.

When the Mazda 3 is compared to other small cars, insurance costs $38 less per year than the Honda Civic, $34 more than the Toyota Corolla, $54 more than the Nissan Sentra, and $238 less than the Hyundai Elantra.

The table below shows how 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/Model Insurance Cost Difference
1Subaru Impreza$1,462-$228
2Volkswagen Jetta$1,610-$80
3Nissan Sentra$1,636-$54
4Toyota Corolla$1,656-$34
5Volkswagen Golf$1,660-$30
6Toyota Prius$1,662-$28
7Mazda 3$1,690--
8Honda Civic$1,728$38
9Kia Forte$1,730$40
10Mitsubishi Mirage G4$1,738$48
11Nissan Leaf$1,778$88
12Nissan Versa$1,882$192
13Hyundai Elantra$1,928$238
14Toyota GR Corolla$2,004$314
15Toyota Mirai$2,190$500

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on January 23, 2023
Insurance Cost Comparison: Mazda 3 vs Small Cars

A Mazda 3 has an average MSRP of $27,908, ranging from the cheapest 2.5 S model at $22,550 to the most expensive 2.5 Turbo Premium Plus Hatchback costing $35,300.

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

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 2023 Mazda 3 is $1,479 cheaper than the Honda Civic, at $27,908 compared to $29,387. Buying car insurance for the Honda Civic costs an average of $38 more per year than the Mazda 3.
  • Mazda 3 vs. Hyundai Elantra – For a new 2023 model, the MSRP for the Hyundai Elantra averages $1,951 less than the average MSRP for the Mazda 3 ($25,957 compared to $27,908). Expect to pay approximately $238 more annually for insurance on the Hyundai Elantra compared to a Mazda 3.
  • Mazda 3 vs. Volkswagen Jetta – The average MSRP for a 2023 Mazda 3 is $2,593 more expensive than the Volkswagen Jetta, at $27,908 compared to $25,315. Insurance for the Volkswagen Jetta costs an average of $80 less each year than the Mazda 3.
  • Mazda 3 vs. Toyota Corolla – The 2023 Mazda 3 has an average MSRP that is $3,384 more expensive than the Toyota Corolla ($27,908 versus $24,524). Insurance on a Mazda 3 costs an average of $34 more every 12 months than the Toyota Corolla.

Does a newer model cost more to insure?

Forgoing new 2023 models and instead driving a used 2014 Mazda 3 could cut your insurance cost by $514 per year at a bare minimum.

The table below shows average estimated insurance policy premiums for a Mazda 3 for a range of model years and driver ages. Insurance rates range from a minimum of $1,050 for a 60-year-old driver rated on a 2014 Mazda 3 to the most expensive rate of $3,334 for a 20-year-old driver rated on a 2023 model.

Mazda 3 Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2023 Mazda 3$3,334$1,690$1,510
2022 Mazda 3$3,244$1,642$1,468
2021 Mazda 3$2,890$1,464$1,306
2020 Mazda 3$2,856$1,446$1,290
2019 Mazda 3$2,710$1,372$1,226
2018 Mazda 3$2,490$1,260$1,126
2017 Mazda 3$2,406$1,218$1,088
2016 Mazda 3$2,528$1,274$1,140
2015 Mazda 3$2,394$1,212$1,082
2014 Mazda 3$2,324$1,176$1,050
2013 Mazda 3$2,228$1,128$1,008

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates for each driver age group are for a 12-month period and assume a clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on January 23, 2023
Mazda 3 Insurance Cost by Model Year

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 $584 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 2023 Mazda 3 range from a low of $4,240 for insurance for a 19-year-old female driver to a high of $6,156 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.

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Chart Data Details: Teenage driver rates are for a 2017 model year Mazda 3 with $500 physical damage deductibles. Rates are averaged across all U.S. states and all Mazda 3 trim levels.Data last updated on January 23, 2023
Mazda 3 Insurance Rates for Teenagers
Mazda 3 Insurance Cost for Teenage Drivers
Teen Driver Gender Age 16 Age 17 Age 18 Age 19
Male$4,610$4,224$3,912$3,484
Female$4,072$3,798$3,388$3,098

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 $236 per year for a 40-year-old driver and $452 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 $244 per year for a 40-year-old driver and $476 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 $776 per year for a 30-year-old driver and even $516 per year for a 60-year-old driver.
  • Young male drivers pay the highest rates. For a 2023 Mazda 3, a 20-year-old male driver receives an average rate of $3,334 per year, while a 20-year-old woman will get a rate of $2,498, a difference of $836 per year in favor of the women by a long shot. But by age 50, the cost for men is $1,542 and the rate for women is $1,510, a difference of only $32.
  • As you get older, car insurance rates go down. The difference in insurance cost on a 2023 Mazda 3 between a 50-year-old driver ($1,542 per year) and a 30-year-old driver ($1,768 per year) is $226, or a savings of 12.8%.
  • 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 many other policy discounts which could save the average driver as much as $284 per year on Mazda 3 insurance.