- Mazda CX-3 insurance costs an average of $1,292 per year (about $108 per month) for a full coverage policy.
- The cheapest CX-3 to insure is the Sport 2WD trim level at an estimated $1,236 per year. The most expensive is the Grand Touring AWD at $1,386 annually.
- The Mazda CX-3 is one of the cheaper small SUVs to insure, costing $210 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 $1,292 annually, or about $108 a month. From an individual coverage standpoint, collision insurance will cost around $490 a year, liability/medical (or PIP) coverage is approximately $500, and the remaining comprehensive (or other-than-collision) coverage costs about $302.
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 $998 per year for a 60-year-old driver with high physical damage deductibles to the highest cost estimate of $2,926 each year for a 20-year-old driver with $250 deductibles.
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.
Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
---|---|---|---|
2021 Mazda CX-3 | $2,560 | $1,292 | $1,158 |
2020 Mazda CX-3 | $2,532 | $1,276 | $1,144 |
2019 Mazda CX-3 | $2,474 | $1,248 | $1,120 |
2018 Mazda CX-3 | $2,420 | $1,218 | $1,092 |
2017 Mazda CX-3 | $2,308 | $1,164 | $1,046 |
2016 Mazda CX-3 | $2,372 | $1,188 | $1,068 |
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 $203 per year over a slightly lower credit score between 670-739. Conversely, a below average credit score could cost as much as $235 more per year.
- Driver age and gender matter. For a 2021 Mazda CX-3, a 20-year-old man receives an average rate of $2,560 per year, while a 20-year-old woman will get a rate of $1,912, a difference of $648 per year in the women’s favor by a large margin. But by age 50, the cost for male drivers is $1,182 and rates for female drivers are $1,156, a difference of only $26.
- 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 $1,518 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 $340 per year.
- Safer drivers pay lower rates. Getting hit with an at-fault accident claim will raise rates, possibly as much as $1,804 per year for a 20-year-old driver and even as much as $402 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 $180 per year for a 40-year-old driver and $348 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 $188 per year for a 40-year-old driver and $366 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 $1,236 per year, or about $103 per month.
The highest cost models of Mazda CX-3 to insure are the Grand Touring AWD at $1,386 and the Grand Touring 2WD at $1,334 per year. Those two models will cost an extra $150 and $98 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.
Mazda CX-3 Trim Level | Annual Policy | Six-Month Policy | Per Month |
---|---|---|---|
Sport 2WD | $1,236 | $618 | $103 |
Sport AWD | $1,236 | $618 | $103 |
Touring 2WD | $1,284 | $642 | $107 |
Touring AWD | $1,284 | $642 | $107 |
Grand Touring 2WD | $1,334 | $667 | $111 |
Grand Touring AWD | $1,386 | $693 | $116 |
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 $1,292 per year to insure for full coverage and the segment average is $1,502 per year, a difference of $210 per year.
When car insurance rates are compared among top-selling vehicles in the small SUV class, the Mazda CX-3 costs $318 less per year than the Toyota RAV4, $46 less than the Honda CR-V, $134 less than the Chevrolet Equinox, and $188 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.
Rank | Make/Model | Insurance Cost | Difference |
---|---|---|---|
1 | Mazda CX-3 | $1,292 | -- |
2 | Honda CR-V | $1,338 | $46 |
3 | Mazda CX-5 | $1,356 | $64 |
4 | Mazda CX-30 | $1,362 | $70 |
5 | Ford Ecosport | $1,366 | $74 |
6 | Toyota C-HR | $1,370 | $78 |
7 | Nissan Rogue Sport | $1,380 | $88 |
8 | Buick Envision | $1,390 | $98 |
9 | Chevrolet Trax | $1,396 | $104 |
10 | Mitsubishi Eclipse Cross | $1,396 | $104 |
11 | Hyundai Kona | $1,400 | $108 |
12 | Hyundai Tucson | $1,406 | $114 |
13 | Nissan Kicks | $1,408 | $116 |
14 | Kia Sportage | $1,410 | $118 |
15 | Hyundai Venue | $1,412 | $120 |
16 | Jeep Compass | $1,422 | $130 |
17 | Chevrolet Equinox | $1,426 | $134 |
18 | Kia Soul | $1,428 | $136 |
19 | Chevrolet Trailblazer | $1,442 | $150 |
20 | Volkswagen Tiguan | $1,452 | $160 |
21 | Honda HR-V | $1,456 | $164 |
22 | Subaru Forester | $1,458 | $166 |
23 | Nissan Rogue | $1,480 | $188 |
24 | Ford Escape | $1,482 | $190 |
25 | GMC Terrain | $1,484 | $192 |
26 | Subaru Crosstrek | $1,488 | $196 |
27 | Buick Encore | $1,488 | $196 |
28 | Kia Seltos | $1,504 | $212 |
29 | Volkswagen ID4 | $1,532 | $240 |
30 | Ford Bronco Sport | $1,544 | $252 |
31 | Fiat 500X | $1,548 | $256 |
32 | Jeep Renegade | $1,560 | $268 |
33 | Toyota RAV4 | $1,610 | $318 |
34 | Kia Niro | $1,624 | $332 |
35 | Mini Cooper Countryman | $1,644 | $352 |
36 | Mini Cooper | $1,688 | $396 |
37 | Mitsubishi Mirage | $1,720 | $428 |
38 | Chevrolet Bolt | $1,724 | $432 |
39 | Mini Cooper Clubman | $1,840 | $548 |
40 | Mitsubishi Outlander | $1,872 | $580 |
41 | Hyundai Nexo | $1,986 | $694 |
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 $816 a year in Raleigh, NC, or $920 in Charlotte, NC, to expensive rates such as $2,000 a year in Philadelphia or $1,988 for car insurance in Los Angeles.
The cost of auto insurance for a CX-3 in some additional locations include Houston car insurance costing $1,312 per year, Jacksonville, FL, at $1,372, Albuquerque, NM, at $1,234, and Baltimore, MD, at an estimated $1,594.
The following chart details typical Mazda CX-3 insurance rates for some of the largest cities in the U.S.
When comparing Mazda CX-3 rates from a broader state perspective, states like Virginia ($864) and Maine ($786) tend to be on the cheaper side, while states like Michigan ($1,738), Florida ($1,592), and Kentucky ($1,378) 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.
U.S. State | Annual Cost | Six-month Cost | Monthly Cost |
---|---|---|---|
Alabama | $1,162 | $581 | $97 |
Alaska | $980 | $490 | $82 |
Arizona | $1,182 | $591 | $99 |
Arkansas | $1,346 | $673 | $112 |
California | $1,552 | $776 | $129 |
Colorado | $1,378 | $689 | $115 |
Connecticut | $1,430 | $715 | $119 |
Delaware | $1,462 | $731 | $122 |
Florida | $1,592 | $796 | $133 |
Georgia | $1,316 | $658 | $110 |
Hawaii | $886 | $443 | $74 |
Idaho | $928 | $464 | $77 |
Illinois | $1,134 | $567 | $95 |
Indiana | $970 | $485 | $81 |
Iowa | $870 | $435 | $73 |
Kansas | $1,268 | $634 | $106 |
Kentucky | $1,378 | $689 | $115 |
Louisiana | $1,522 | $761 | $127 |
Maine | $786 | $393 | $66 |
Maryland | $1,198 | $599 | $100 |
Massachusetts | $1,402 | $701 | $117 |
Michigan | $1,738 | $869 | $145 |
Minnesota | $1,110 | $555 | $93 |
Mississippi | $1,258 | $629 | $105 |
Missouri | $1,450 | $725 | $121 |
Montana | $1,182 | $591 | $99 |
Nebraska | $1,080 | $540 | $90 |
Nevada | $1,534 | $767 | $128 |
New Hampshire | $870 | $435 | $73 |
New Jersey | $1,556 | $778 | $130 |
New Mexico | $1,062 | $531 | $89 |
New York | $1,488 | $744 | $124 |
North Carolina | $816 | $408 | $68 |
North Dakota | $1,070 | $535 | $89 |
Ohio | $908 | $454 | $76 |
Oklahoma | $1,418 | $709 | $118 |
Oregon | $1,204 | $602 | $100 |
Pennsylvania | $1,240 | $620 | $103 |
Rhode Island | $1,590 | $795 | $133 |
South Carolina | $1,082 | $541 | $90 |
South Dakota | $1,326 | $663 | $111 |
Tennessee | $1,226 | $613 | $102 |
Texas | $1,198 | $599 | $100 |
Utah | $1,132 | $566 | $94 |
Vermont | $944 | $472 | $79 |
Virginia | $864 | $432 | $72 |
Washington | $1,164 | $582 | $97 |
West Virginia | $1,152 | $576 | $96 |
Wisconsin | $928 | $464 | $77 |
Wyoming | $1,146 | $573 | $96 |