Mazda CX-3 Insurance: 2025 Rates, Insights, Comparisons

How much does insurance cost for a Mazda CX-3? We compare rates for the Sport to the Grand Touring models to see how prices rank against other compact SUVs.

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  • Mazda CX-3 insurance costs an average of $1,624 per year (about $135 per month) for a full coverage policy.
  • The cheapest CX-3 to insure is the Sport 2WD trim level at an estimated $1,550 per year. The most expensive is the Grand Touring AWD at $1,742 annually.
  • The Mazda CX-3 is one of the cheaper small SUVs to insure, costing $266 less per year on average as compared to the rest of the vehicles in the 2021 segment.

How much does Mazda CX-3 car insurance cost?

Average Mazda CX-3 insurance costs $1,624 annually, or about $135 a month. From an individual coverage standpoint, collision insurance will cost around $632 a year, liability/medical (or PIP) coverage is approximately $606, and the remaining comprehensive (or other-than-collision) coverage costs about $386.

The chart below illustrates how average CX-3 car insurance rates vary with changes in driver age and comprehensive and collision deductibles. Cost estimates vary from the cheapest policy cost of $1,170 per year for a 60-year-old driver with high physical damage deductibles to the highest cost estimate of $3,720 each year for a 20-year-old driver with $250 deductibles.

Average 2021 Mazda CX-3 car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2021 Mazda CX-3 car insurance premiums for different driver ages and policy deductibles. Rates updated on June 27, 2025.

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Data Methodology: Average premiums are based on a 2021 model year Mazda CX-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.

2021 Mazda CX-3 Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$2,806$234
$500$3,250$271
$250$3,720$310
30-Year-Old$1,000$1,472$123
$500$1,722$144
$250$1,986$166
40-Year-Old$1,000$1,392$116
$500$1,624$135
$250$1,866$156
50-Year-Old$1,000$1,250$104
$500$1,450$121
$250$1,658$138
60-Year-Old$1,000$1,170$98
$500$1,356$113
$250$1,550$129

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 2021 Mazda CX-3. Updated June 27, 2025

The chart above details average rates for the 2021 model year. The following table shows average Mazda CX-3 car insurance rates for the 2016 through 2021 model years broken out by driver age.

Mazda CX-3 Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2021 Mazda CX-3$3,250$1,624$1,356
2020 Mazda CX-3$3,160$1,580$1,320
2019 Mazda CX-3$3,074$1,532$1,282
2018 Mazda CX-3$2,946$1,472$1,232
2017 Mazda CX-3$2,820$1,410$1,182
2016 Mazda CX-3$2,814$1,400$1,174

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

Average insurance rates for 2016 to 2021 Mazda CX-3 models for drivers age 20, 40 and 60
Average insurance rates for 2016 to 2021 Mazda CX-3 models for drivers age 20, 40 and 60

Below are some additional rate estimates along with some good tips on how to keep insurance costs as low as possible.

  • Improve your credit rating to save on insurance. Having a high credit rating of over 800 could possibly save as much as $255 per year over a slightly lower credit score between 670-739. Conversely, a below average credit score could cost as much as $296 more per year.
  • Driver age and gender matter. For a 2021 Mazda CX-3, a 20-year-old man receives an average rate of $3,250 per year, while a 20-year-old woman will get a rate of $2,344, a difference of $906 per year in the women’s favor by a large margin. But by age 50, the cost for male drivers is $1,450 and rates for female drivers are $1,408, a difference of only $42.
  • High-risk drivers pay extremely high rates. For a 50-year-old driver, having too many driving record violations or accidents could end up with a rate increase of $1,906 or more per year on a CX-3.
  • Fewer violations means cheaper rates. If you want the best price on CX-3 insurance, you have to be a safe driver and avoid traffic citations. Not surprisingly, just one or two speeding tickets can raise policy rates as much as $434 per year.
  • Safer drivers pay lower rates. Getting hit with an at-fault accident claim will raise rates, possibly as much as $2,310 per year for a 20-year-old driver and even as much as $412 per year for a 60-year-old driver.
  • Raising deductibles makes insurance more affordable. Raising the comprehensive and collision deductibles from $500 to $1,000 could save around $232 per year for a 40-year-old driver and $444 per year for a 20-year-old driver.
  • Lowering deductibles results in a more expensive policy. Decreasing deductibles from $500 to $250 could cost an additional $242 per year for a 40-year-old driver and $470 per year for a 20-year-old driver.

What is the cheapest CX-3 to insure?

The cheapest trim levels of Mazda CX-3 to insure are the Sport 2WD and the Sport AWD at around $1,550 per year, or about $129 per month.

The highest cost models of Mazda CX-3 to insure are the Grand Touring AWD at $1,742 and the Grand Touring 2WD at $1,678 per year. Those two models will cost an extra $192 and $128 per year, respectively, over the cheapest models.

The table below displays average car insurance cost for the 2021 Mazda CX-3, in addition to a monthly amount for budgeting, for each package and trim level.

2021 Mazda CX-3 Insurance Rates by Trim Level
2021 Mazda CX-3 Trim Level Annual Premium Cost Per Month
Sport 2WD$1,550$129
Sport AWD$1,550$129
Touring 2WD$1,614$135
Touring AWD$1,614$135
Grand Touring 2WD$1,678$140
Grand Touring AWD$1,742$145

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 27, 2025

Insurance cost by trim level for a 2021 Mazda CX-3 ranging from the Sport 2WD model at $1,550 per year to the Grand Touring AWD model at $1,742
Insurance cost by trim level for a 2021 Mazda CX-3 ranging from the Sport 2WD model at $1,550 per year to the Grand Touring AWD model at $1,742

Is the CX-3 a cheap small SUV to insure?

The Mazda CX-3 ranks first out of 41 total vehicles in the small SUV class. The CX-3 costs an estimated $1,624 per year to insure for full coverage and the segment average is $1,890 per year, a difference of $266 per year.

When car insurance rates are compared among top-selling vehicles in the small SUV class, the Mazda CX-3 costs $396 less per year than the Toyota RAV4, $64 less than the Honda CR-V, $170 less than the Chevrolet Equinox, and $240 less than the Nissan Rogue.

The chart below shows how CX-3 insurance rates compare to the best-selling small SUVs in the U.S. To see how the entire 2021 class stacks up, a table is included after the chart that details estimated rates for every vehicle in the small SUV segment.

Average 2021 Mazda CX-3 car insurance premium compared to other small SUV models.
Figure 2: Average 2021 Mazda CX-3 car insurance premium compared to other small SUV models. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2021 model year Mazda CX-3. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Mazda CX-3 trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Mazda CX-3 Insurance Cost Compared to All Small SUVs
Rank Make and Model Annual Premium Difference
1Mazda CX-3$1,624--
2Honda CR-V$1,688$64
3Mazda CX-5$1,712$88
4Mazda CX-30$1,714$90
5Ford Ecosport$1,720$96
6Toyota C-HR$1,726$102
7Nissan Rogue Sport$1,736$112
8Chevrolet Trax$1,744$120
9Buick Envision$1,756$132
10Nissan Kicks$1,760$136
11Hyundai Kona$1,762$138
12Hyundai Venue$1,768$144
13Hyundai Tucson$1,770$146
14Kia Sportage$1,774$150
15Jeep Compass$1,780$156
16Kia Soul$1,788$164
17Mitsubishi Eclipse Cross$1,792$168
18Chevrolet Equinox$1,794$170
19Chevrolet Trailblazer$1,804$180
20Honda HR-V$1,824$200
21Volkswagen Tiguan$1,830$206
22Subaru Forester$1,846$222
23Nissan Rogue$1,864$240
24Ford Escape$1,868$244
25GMC Terrain$1,872$248
26Subaru Crosstrek$1,876$252
27Kia Seltos$1,884$260
28Buick Encore$1,914$290
29Volkswagen ID4$1,932$308
30Fiat 500X$1,940$316
31Ford Bronco Sport$1,946$322
32Jeep Renegade$1,956$332
33Toyota RAV4$2,020$396
34Kia Niro$2,032$408
35Mini Cooper Countryman$2,078$454
36Mini Cooper$2,126$502
37Mitsubishi Mirage$2,152$528
38Chevrolet Bolt$2,160$536
39Mini Cooper Clubman$2,310$686
40Mitsubishi Outlander$2,350$726
41Hyundai Nexo$2,504$880

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 2021 model year. Updated June 27, 2025

Insurance rates for a Mazda CX-3 by U.S. city and state

Depending on the city you live in, insurance rates on a Mazda CX-3 varies widely from cheaper premiums like $1,266 a year in Raleigh, NC, or $1,360 in Charlotte, NC, to expensive rates such as $2,398 a year in Philadelphia or $2,386 for car insurance in Los Angeles.

The cost of auto insurance for a CX-3 in some additional locations include Houston car insurance costing $1,740 per year, Jacksonville, FL, at $1,704, Albuquerque, NM, at $1,664, and Baltimore, MD, at an estimated $2,010.

The following chart details typical Mazda CX-3 insurance rates for some of the largest cities in the U.S.

Average car insurance rates for a 2021 Mazda CX-3 in larger U.S. cities.
Figure 3: Average car insurance rates for a 2021 Mazda CX-3 in larger U.S. cities. Rates updated on June 27, 2025.

Data Methodology: Average car insurance rates for a 2021 Mazda CX-3 assume a 40-year-old married male driver with no driving violations or at-fault accidents in the last three years. Comprehensive and collision deductibles are $500, UM/UIM and medical payments coverage is included, and rates are averaged for all trim levels and U.S. Zip Codes.

Mazda CX-3 Insurance Rates by Location
Location Annual Premium Cost Per Month
New York, NY$2,636$220
Philadelphia, PA$2,398$200
Las Vegas, NV$2,394$200
Los Angeles, CA$2,386$199
San Francisco, CA$2,132$178
Kansas City, MO$1,956$163
Oklahoma City, OK$1,956$163
Denver, CO$1,928$161
Memphis, TN$1,928$161
Atlanta, GA$1,910$159
San Jose, CA$1,870$156
Phoenix, AZ$1,836$153
Portland, OR$1,818$152
San Diego, CA$1,812$151
Boston, MA$1,806$151
Chicago, IL$1,768$147
Dallas, TX$1,748$146
Houston, TX$1,740$145
Seattle, WA$1,736$145
Jacksonville, FL$1,704$142
Nashville, TN$1,690$141
Milwaukee, WI$1,688$141
Albuquerque, NM$1,664$139
San Antonio, TX$1,628$136
Omaha, NE$1,594$133
Fort Worth, TX$1,588$132
Austin, TX$1,578$132
Indianapolis, IN$1,480$123
Columbus, OH$1,402$117
Charlotte, NC$1,360$113

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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for a 2021 Mazda CX-3 and all Zip Codes in each city. Updated June 27, 2025

When comparing Mazda CX-3 rates from a broader state perspective, states like Virginia ($1,312) and Maine ($1,234) tend to be on the cheaper side, while states like Michigan ($1,984), Florida ($1,914), and Kentucky ($1,804) have higher rates.

The table below shows average CX-3 insurance rates for every state in the U.S. broken down by annual, semi-annual, and monthly cost.

2021 Mazda CX-3 Average Insurance Cost by State
U.S. State Annual Premium Cost Per Month
Alabama$1,594$133
Alaska$1,422$119
Arizona$1,614$135
Arkansas$1,774$148
California$1,968$164
Colorado$1,804$150
Connecticut$1,854$155
Delaware$1,882$157
Florida$1,914$160
Georgia$1,744$145
Hawaii$1,332$111
Idaho$1,370$114
Illinois$1,566$131
Indiana$1,410$118
Iowa$1,316$110
Kansas$1,696$141
Kentucky$1,804$150
Louisiana$1,844$154
Maine$1,234$103
Maryland$1,630$136
Massachusetts$1,824$152
Michigan$1,984$165
Minnesota$1,546$129
Mississippi$1,688$141
Missouri$1,872$156
Montana$1,618$135
Nebraska$1,518$127
Nevada$1,954$163
New Hampshire$1,316$110
New Jersey$1,972$164
New Mexico$1,502$125
New York$1,906$159
North Carolina$1,262$105
North Dakota$1,510$126
Ohio$1,352$113
Oklahoma$1,840$153
Oregon$1,634$136
Pennsylvania$1,668$139
Rhode Island$2,006$167
South Carolina$1,520$127
South Dakota$1,748$146
Tennessee$1,654$138
Texas$1,628$136
Utah$1,566$131
Vermont$1,386$116
Virginia$1,312$109
Washington$1,598$133
West Virginia$1,586$132
Wisconsin$1,372$114
Wyoming$1,582$132

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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 27, 2025

Average annual premium and cost per month to insure a 2021 Mazda CX-3 in all 50 U.S. States
Average annual premium and cost per month to insure a 2021 Mazda CX-3 in all 50 U.S. States