Mazda 3 Car Insurance Rates for 2022

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 $1,500 a year for a policy that includes full coverage. Monthly insurance cost for a Mazda 3 ranges from $116 to $133, depending on the trim level.

Expect to pay around $57 less per year for Mazda 3 insurance compared to the overall average cost for the compact car segment, and $51 less per year than the all-vehicle national average cost of $1,551.

The following chart illustrates how average 2022 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 2022 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 April 14, 2022
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$2,554$213
$500$2,954$246
$250$3,372$281
30$1,000$1,336$111
$500$1,566$131
$250$1,802$150
40$1,000$1,290$108
$500$1,500$125
$250$1,714$143
50$1,000$1,180$98
$500$1,366$114
$250$1,560$130
60$1,000$1,154$96
$500$1,336$111
$250$1,528$127

What is the cheapest Mazda 3 insurance?

The cheapest Mazda 3 car insurance can be found on the base 2.0 Sedan at around $1,390 per year. The second cheapest model to insure is the 2.5 S at $1,414 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 Turbo Premium Plus, and the 2.5 Turbo Premium Plus Hatchback trim levels all at an average rate of $1,596 per year.

An average driver can plan on budgeting between $116 to $133 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.

2022 Mazda 3 Insurance Cost by Trim Level
Mazda 3 Trim Level Annual Policy 6-month Policy Per Month
2.0 Sedan$1,390$695$116
2.5 S$1,414$707$118
2.5 S Hatchback$1,436$718$120
Select$1,444$722$120
Select Hatchback$1,462$731$122
Preferred$1,472$736$123
Preferred Hatchback$1,492$746$124
Carbon Edition$1,502$751$125
Premium$1,516$758$126
Carbon Edition Hatchback$1,518$759$127
Premium Hatchback$1,528$764$127
2.5 Turbo$1,556$778$130
2.5 Turbo Hatchback$1,566$783$131
2.5 Turbo Premium Plus$1,586$793$132
2.5 Turbo Premium Plus Hatchback$1,596$798$133

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Table Data Details: Average rates are for a 2022 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 March 13, 2022
Mazda 3 Insurance Cost by Trim Level

Where does Mazda 3 insurance cost rank?

The Mazda 3 ranks #9 out of 20 total comparison vehicles in the small car segment. It costs an average of $1,500 per year to insure, while the category median cost is $1,557 annually, a difference of $57 per year.

When the Mazda 3 is compared to other small cars, insurance costs $2 more per year than the Honda Civic, $14 more than the Toyota Corolla, $24 more than the Nissan Sentra, and $206 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$1,312-$188
2Chevrolet Spark$1,320-$180
3Volkswagen Golf$1,456-$44
4Volkswagen Jetta$1,470-$30
5Nissan Sentra$1,476-$24
6Toyota Corolla$1,486-$14
7Kia Rio$1,494-$6
8Honda Civic$1,498-$2
9Mazda 3$1,500--
10Toyota Prius$1,512$12
11Hyundai Accent$1,530$30
12Hyundai Veloster$1,546$46
13Kia Forte$1,550$50
14Nissan Leaf$1,616$116
15Hyundai Ioniq$1,620$120
16Honda Clarity$1,666$166
17Hyundai Elantra$1,706$206
18Nissan Versa$1,708$208
19Mitsubishi Mirage G4$1,714$214
20Toyota Mirai$1,956$456

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 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 March 13, 2022
Insurance Cost Comparison: Mazda 3 vs Small Cars

A Mazda 3 has an average MSRP of $26,807, ranging from the cheapest 2.0 Sedan model at $20,800 to the most expensive 2.5 Turbo Premium Plus Hatchback costing $34,400.

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

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.

  • Mazda 3 vs. Honda Civic – The average MSRP for a 2022 Mazda 3 is $375 cheaper than the Honda Civic, at $26,807 compared to $27,182. Buying car insurance for the Honda Civic costs an average of $2 less per year than the Mazda 3.
  • Mazda 3 vs. Hyundai Elantra – For a new 2022 model, the MSRP for the Hyundai Elantra averages $1,703 less than the average MSRP for the Mazda 3 ($25,104 compared to $26,807). Expect to pay approximately $206 more annually for insurance on the Hyundai Elantra compared to a Mazda 3.
  • Mazda 3 vs. Volkswagen Jetta – The average MSRP for a 2022 Mazda 3 is $1,726 more expensive than the Volkswagen Jetta, at $26,807 compared to $25,081. Insurance for the Volkswagen Jetta costs an average of $30 less each year than the Mazda 3.
  • Mazda 3 vs. Toyota Prius – The 2022 Mazda 3 has an average MSRP that is $2,168 cheaper than the Toyota Prius ($26,807 versus $28,975). Insurance on a Mazda 3 costs an average of $12 less every 12 months than the Toyota Prius.

Does a newer model cost more to insure?

Forgoing new 2022 models and instead driving a used 2014 Mazda 3 could cut your insurance cost by $414 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 $972 for a 60-year-old driver rated on a 2014 Mazda 3 to the most expensive rate of $2,954 for a 20-year-old driver rated on a 2022 model.

Mazda 3 Insurance Cost for 2013-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$2,954$1,566$1,500$1,366$1,336
2021$2,618$1,392$1,330$1,210$1,184
2020$2,578$1,366$1,306$1,192$1,166
2019$2,470$1,306$1,250$1,142$1,116
2018$2,266$1,194$1,150$1,052$1,028
2017$2,212$1,162$1,120$1,024$1,002
2016$2,316$1,214$1,170$1,068$1,048
2015$2,232$1,168$1,126$1,028$1,008
2014$2,148$1,124$1,086$992$972
2013$2,048$1,068$1,036$948$928

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Table Data Details: Average rates assume 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 March 13, 2022
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 $562 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 2022 Mazda 3 range from a low of $3,754 for insurance for a 19-year-old female driver to a high of $5,456 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 February 20, 2022
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$4,218$3,874$3,592$3,204
Female$3,726$3,478$3,110$2,848

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 $210 per year for a 40-year-old driver and $400 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 $214 per year for a 40-year-old driver and $418 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 $684 per year for a 30-year-old driver and even $454 per year for a 60-year-old driver.
  • Young male drivers pay the highest rates. For a 2022 Mazda 3, a 20-year-old male driver receives an average rate of $2,954 per year, while a 20-year-old woman will get a rate of $2,212, a difference of $742 per year in favor of the women by a long shot. But by age 50, the cost for men is $1,366 and the rate for women is $1,336, a difference of only $30.
  • As you get older, car insurance rates go down. The difference in insurance cost on a 2022 Mazda 3 between a 50-year-old driver ($1,366 per year) and a 30-year-old driver ($1,566 per year) is $200, 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 $256 per year on Mazda 3 insurance.