Mazda CX-3 Car Insurance Cost for 2023

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 $1,260 per year (about $105 per month) for a full coverage policy.
  • The cheapest CX-3 to insure is the Sport 2WD trim level at an estimated $1,204 per year. The most expensive is the Grand Touring AWD at $1,350 annually.
  • The Mazda CX-3 is one of the cheaper small SUVs to insure, costing $204 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 $1,260 annually, or about $105 a month. From an individual coverage standpoint, collision insurance will cost around $478 a year, liability/medical (or PIP) coverage is approximately $488, and the remaining comprehensive (or other-than-collision) coverage costs about $294.

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 $974 per year for a 60-year-old driver with high physical damage deductibles to the highest cost estimate of $2,848 each year for a 20-year-old driver with $250 deductibles.

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Chart Data Details: Chart shows average insurance cost for a 2021 Mazda CX-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 CX-3 trim levels.Data last updated on January 23, 2023
Mazda CX-3 Insurance Rate Summary
2021 Mazda CX-3 Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,154$180
$500$2,492$208
$250$2,848$237
30$1,000$1,126$94
$500$1,318$110
$250$1,516$126
40$1,000$1,084$90
$500$1,260$105
$250$1,442$120
50$1,000$994$83
$500$1,152$96
$250$1,316$110
60$1,000$974$81
$500$1,130$94
$250$1,290$108

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$2,492$1,260$1,130
2020 Mazda CX-3$2,464$1,244$1,116
2019 Mazda CX-3$2,410$1,216$1,092
2018 Mazda CX-3$2,356$1,188$1,068
2017 Mazda CX-3$2,248$1,136$1,020
2016 Mazda CX-3$2,308$1,160$1,044

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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 CX-3 Insurance Cost by Model Year

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 $198 per year over a slightly lower credit score between 670-739. Conversely, a below average credit score could cost as much as $229 more per year.
  • Driver age and gender matter. For a 2021 Mazda CX-3, a 20-year-old man receives an average rate of $2,492 per year, while a 20-year-old woman will get a rate of $1,860, a difference of $632 per year in the women’s favor by a large margin. But by age 50, the cost for male drivers is $1,152 and rates for female drivers are $1,130, a difference of only $22.
  • 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 $1,478 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 $332 per year.
  • Safer drivers pay lower rates. Getting hit with an at-fault accident claim will raise rates, possibly as much as $1,756 per year for a 20-year-old driver and even as much as $388 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 $176 per year for a 40-year-old driver and $338 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 $182 per year for a 40-year-old driver and $356 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 $1,204 per year, or about $100 per month.

The highest cost models of Mazda CX-3 to insure are the Grand Touring AWD at $1,350 and the Grand Touring 2WD at $1,300 per year. Those two models will cost an extra $146 and $96 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 Cost by Trim Level
Mazda CX-3 Trim Level Annual Policy Six-Month Policy Per Month
Sport 2WD$1,204$602$100
Sport AWD$1,204$602$100
Touring 2WD$1,252$626$104
Touring AWD$1,252$626$104
Grand Touring 2WD$1,300$650$108
Grand Touring AWD$1,350$675$113

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2021 Mazda CX-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 February 5, 2023
Mazda CX-3 Insurance Cost by Trim Level

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 $1,260 per year to insure for full coverage and the segment average is $1,464 per year, a difference of $204 per year.

When car insurance rates are compared among top-selling vehicles in the small SUV class, the Mazda CX-3 costs $308 less per year than the Toyota RAV4, $44 less than the Honda CR-V, $130 less than the Chevrolet Equinox, and $182 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2021 model year Mazda CX-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, which is averaged for all Mazda CX-3 trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on January 23, 2023
Mazda CX-3 vs Top 10 Small SUVs Insurance Rate Comparison
Mazda CX-3 Insurance Cost Compared to All Small SUVs
Rank Make/Model Insurance Cost Difference
1Mazda CX-3$1,260--
2Honda CR-V$1,304$44
3Mazda CX-5$1,320$60
4Mazda CX-30$1,330$70
5Ford Ecosport$1,334$74
6Toyota C-HR$1,338$78
7Nissan Rogue Sport$1,344$84
8Buick Envision$1,354$94
9Chevrolet Trax$1,358$98
10Mitsubishi Eclipse Cross$1,362$102
11Hyundai Kona$1,364$104
12Nissan Kicks$1,370$110
13Hyundai Tucson$1,372$112
14Kia Sportage$1,374$114
15Hyundai Venue$1,376$116
16Jeep Compass$1,386$126
17Chevrolet Equinox$1,390$130
18Kia Soul$1,392$132
19Chevrolet Trailblazer$1,404$144
20Volkswagen Tiguan$1,416$156
21Honda HR-V$1,418$158
22Subaru Forester$1,422$162
23Nissan Rogue$1,442$182
24Ford Escape$1,446$186
25Subaru Crosstrek$1,450$190
26Buick Encore$1,454$194
27GMC Terrain$1,456$196
28Kia Seltos$1,464$204
29Volkswagen ID4$1,494$234
30Ford Bronco Sport$1,504$244
31Fiat 500X$1,506$246
32Jeep Renegade$1,520$260
33Toyota RAV4$1,568$308
34Kia Niro$1,580$320
35Mini Cooper Countryman$1,602$342
36Mini Cooper$1,646$386
37Mitsubishi Mirage$1,672$412
38Chevrolet Bolt$1,676$416
39Mini Cooper Clubman$1,792$532
40Mitsubishi Outlander$1,820$560
41Hyundai Nexo$1,934$674

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 $788 a year in Raleigh, NC, or $890 in Charlotte, NC, to expensive rates such as $1,972 a year in Philadelphia or $1,962 for car insurance in Los Angeles.

The cost of auto insurance for a CX-3 in some additional locations include Houston car insurance costing $1,286 per year, Jacksonville, FL, at $1,350, Albuquerque, NM, at $1,206, and Baltimore, MD, at an estimated $1,568.

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

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2021 Mazda CX-3, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Mazda CX-3 trim levels.Data last updated on January 23, 2023
Mazda CX-3 Insurance Rates in Large U.S. Cities
Mazda CX-3 Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$2,222$185
Philadelphia, PA$1,972$164
Las Vegas, NV$1,968$164
Los Angeles, CA$1,962$164
San Francisco, CA$1,698$142
Kansas City, MO$1,510$126
Oklahoma City, OK$1,510$126
Denver, CO$1,482$124
Memphis, TN$1,482$124
Atlanta, GA$1,464$122
San Jose, CA$1,420$118
Phoenix, AZ$1,384$115
Portland, OR$1,366$114
San Diego, CA$1,358$113
Boston, MA$1,354$113
Jacksonville, FL$1,350$113
Chicago, IL$1,312$109
Dallas, TX$1,292$108
Houston, TX$1,286$107
Seattle, WA$1,282$107
Nashville, TN$1,236$103
Milwaukee, WI$1,228$102
Albuquerque, NM$1,206$101
San Antonio, TX$1,166$97
Omaha, NE$1,134$95
Fort Worth, TX$1,128$94
Austin, TX$1,114$93
Indianapolis, IN$1,016$85
Columbus, OH$934$78
Charlotte, NC$890$74

When comparing Mazda CX-3 rates from a broader state perspective, states like Virginia ($838) and Maine ($760) tend to be on the cheaper side, while states like Michigan ($1,722), Florida ($1,570), and Kentucky ($1,350) 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.

Mazda CX-3 Average Insurance Cost by State for 2023
U.S. State Annual Cost Six-month Cost Monthly Cost
Alabama$1,136$568$95
Alaska$956$478$80
Arizona$1,156$578$96
Arkansas$1,318$659$110
California$1,524$762$127
Colorado$1,352$676$113
Connecticut$1,404$702$117
Delaware$1,436$718$120
Florida$1,570$785$131
Georgia$1,288$644$107
Hawaii$860$430$72
Idaho$898$449$75
Illinois$1,104$552$92
Indiana$940$470$78
Iowa$844$422$70
Kansas$1,242$621$104
Kentucky$1,350$675$113
Louisiana$1,498$749$125
Maine$760$380$63
Maryland$1,172$586$98
Massachusetts$1,372$686$114
Michigan$1,722$861$144
Minnesota$1,080$540$90
Mississippi$1,230$615$103
Missouri$1,422$711$119
Montana$1,156$578$96
Nebraska$1,054$527$88
Nevada$1,508$754$126
New Hampshire$846$423$71
New Jersey$1,524$762$127
New Mexico$1,036$518$86
New York$1,462$731$122
North Carolina$786$393$66
North Dakota$1,044$522$87
Ohio$878$439$73
Oklahoma$1,392$696$116
Oregon$1,178$589$98
Pennsylvania$1,206$603$101
Rhode Island$1,562$781$130
South Carolina$1,054$527$88
South Dakota$1,296$648$108
Tennessee$1,198$599$100
Texas$1,170$585$98
Utah$1,102$551$92
Vermont$916$458$76
Virginia$838$419$70
Washington$1,138$569$95
West Virginia$1,124$562$94
Wisconsin$900$450$75
Wyoming$1,120$560$93

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2021 Mazda CX-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, which is averaged for all Mazda CX-3 trim levels. Physical damage deductibles are $500 and rates are averaged for all Zip Codes in each state.Data last updated on February 5, 2023
Mazda CX-3 insurance rates by U.S. state