Mazda CX-3 Car Insurance Cost for 2021

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 $1,160 per year (about $97 per month) for a full coverage policy.
  • The cheapest CX-3 to insure is the Sport 2WD trim level at an estimated $1,108 per year. The most expensive is the Grand Touring AWD at $1,246 annually.
  • The Mazda CX-3 is one of the cheaper small SUVs to insure, costing $197 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 $1,160 annually, or about $97 a month. From an individual coverage standpoint, collision insurance will cost around $446 a year, liability/medical (or PIP) coverage is approximately $430, and the remaining comprehensive (or other-than-collision) coverage costs about $284.

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 $892 per year for a 60-year-old driver with high physical damage deductibles to the highest cost estimate of $2,622 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.
Mazda CX-3 Insurance Rate Summary
Mazda CX-3 Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$1,966$164
$500$2,286$191
$250$2,622$219
30$1,000$1,032$86
$500$1,216$101
$250$1,404$117
40$1,000$994$83
$500$1,160$97
$250$1,334$111
50$1,000$908$76
$500$1,056$88
$250$1,212$101
60$1,000$892$74
$500$1,038$87
$250$1,190$99

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 for 2016-2021 Models
Model Year Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50 Driver Age 60
2021$2,286$1,216$1,160$1,056$1,038
2020$2,240$1,186$1,136$1,034$1,014
2019$2,204$1,166$1,114$1,018$998
2018$2,180$1,150$1,102$1,006$986
2017$2,104$1,108$1,062$972$954
2016$2,182$1,142$1,094$1,002$984

Get Rates in Your AreaWhy is this important?

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.
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 $182 per year over a slightly lower credit score between 670-739. Conversely, a below average credit score could cost as much as $211 more per year.
  • Driver age and gender matter. For a 2021 Mazda CX-3, a 20-year-old man receives an average rate of $2,286 per year, while a 20-year-old woman will get a rate of $1,710, a difference of $576 per year in the women’s favor by a large margin. But by age 50, the cost for male drivers is $1,056 and rates for female drivers are $1,040, a difference of only $16.
  • 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 $1,352 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 $302 per year.
  • Safer drivers pay lower rates. Getting hit with an at-fault accident claim will raise rates, possibly as much as $1,602 per year for a 20-year-old driver and even as much as $350 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 $166 per year for a 40-year-old driver and $320 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 $174 per year for a 40-year-old driver and $336 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 $1,108 per year, or about $92 per month.

The highest cost models of Mazda CX-3 to insure are the Grand Touring AWD at $1,246 and the Grand Touring 2WD at $1,200 per year. Those two models will cost an extra $138 and $92 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 6-month Policy Per Month
Sport 2WD$1,108$554$92
Sport AWD$1,108$554$92
Touring 2WD$1,154$577$96
Touring AWD$1,154$577$96
Grand Touring 2WD$1,200$600$100
Grand Touring AWD$1,246$623$104

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.
Mazda CX-3 Insurance Cost by Trim Level

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

The Mazda CX-3 ranks #1 out of 41 total vehicles in the small SUV class. The CX-3 costs an estimated $1,160 per year to insure for full coverage and the segment average is $1,357 per year, a difference of $197 per year.

When car insurance rates are compared among top-selling vehicles in the small SUV class, the Mazda CX-3 costs $276 less per year than the Toyota RAV4, $46 less than the Honda CR-V, $122 less than the Chevrolet Equinox, and $174 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.
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$1,160--
2Honda CR-V$1,206$46
3Mazda CX-5$1,222$62
4Mazda CX-30$1,226$66
5Ford Ecosport$1,230$70
6Toyota C-HR$1,234$74
7Nissan Rogue Sport$1,242$82
8Hyundai Kona$1,244$84
9Chevrolet Trax$1,246$86
10Buick Envision$1,254$94
11Nissan Kicks$1,256$96
12Hyundai Venue$1,258$98
13Mitsubishi Eclipse Cross$1,260$100
14Hyundai Tucson$1,264$104
15Kia Sportage$1,268$108
16Jeep Compass$1,270$110
17Kia Soul$1,274$114
18Chevrolet Equinox$1,282$122
19Chevrolet Trailblazer$1,290$130
20Honda HR-V$1,302$142
21Volkswagen Tiguan$1,308$148
22Subaru Forester$1,318$158
23Ford Escape$1,328$168
24Subaru Crosstrek$1,334$174
25Nissan Rogue$1,334$174
26Buick Encore$1,334$174
27Kia Seltos$1,344$184
28GMC Terrain$1,346$186
29Volkswagen ID4$1,382$222
30Fiat 500X$1,386$226
31Jeep Renegade$1,394$234
32Toyota RAV4$1,436$276
33Kia Niro$1,450$290
34Mini Cooper Countryman$1,486$326
35Mini Cooper$1,512$352
36Mitsubishi Mirage$1,540$380
37Ford Bronco$1,612$452
38Mini Cooper Clubman$1,650$490
39Mitsubishi Outlander$1,678$518
40Jeep Wrangler$1,706$546
41Hyundai Nexo$1,788$628

Does vehicle location affect insurance rates?

Depending on the city you live in, insurance rates on a Mazda CX-3 varies widely from cheaper premiums like $686 a year in Raleigh, NC, or $798 in Charlotte, NC, to expensive rates such as $1,910 a year in Philadelphia or $1,898 for car insurance in Los Angeles.

The cost of auto insurance for a CX-3 in some additional locations include Houston car insurance costing $1,206 per year, Jacksonville, FL, at $1,278, Albuquerque, NM, at $1,122, and Baltimore, MD, at an estimated $1,496.

The following chart details typical Mazda CX-3 insurance rates for some of the largest cities in the U.S. The cost ranges from $846 per year in Columbus, OH, to $2,170 in New York City, a difference of $1,324.

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.
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$2,170$181
Philadelphia, PA$1,910$159
Los Angeles, CA$1,898$158
San Francisco, CA$1,630$136
San Jose, CA$1,342$112
Phoenix, AZ$1,306$109
San Diego, CA$1,278$107
Jacksonville, FL$1,278$107
Chicago, IL$1,234$103
Dallas, TX$1,210$101
Houston, TX$1,206$101
Indianapolis, IN$1,146$96
San Antonio, TX$1,084$90
Austin, TX$1,028$86
Columbus, OH$846$71

How much is Mazda CX-3 insurance in my state?

When comparing Mazda CX-3 rates from a broader state perspective, states like Virginia ($748) and Maine ($736) tend to be on the cheaper side, while states like Michigan ($2,084), Florida ($1,566), and Kentucky ($1,312) have higher rates.

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

Mazda CX-3 Insurance Cost by U.S. State
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$976$488$81
Alaska$912$456$76
Arizona$1,050$525$88
Arkansas$1,116$558$93
California$1,288$644$107
Colorado$1,240$620$103
Connecticut$1,272$636$106
Delaware$1,258$629$105
Florida$1,566$783$131
Georgia$1,200$600$100
Hawaii$922$461$77
Idaho$774$387$65
Illinois$824$412$69
Indiana$846$423$71
Iowa$768$384$64
Kansas$1,008$504$84
Kentucky$1,312$656$109
Louisiana$1,718$859$143
Maine$736$368$61
Maryland$1,074$537$90
Massachusetts$976$488$81
Michigan$2,084$1,042$174
Minnesota$1,032$516$86
Mississippi$1,032$516$86
Missouri$1,020$510$85
Montana$1,064$532$89
Nebraska$918$459$77
Nevada$1,300$650$108
New Hampshire$842$421$70
New Jersey$1,124$562$94
New Mexico$1,006$503$84
New York$1,288$644$107
North Carolina$790$395$66
North Dakota$892$446$74
Ohio$782$391$65
Oklahoma$1,250$625$104
Oregon$1,026$513$86
Pennsylvania$1,024$512$85
Rhode Island$1,382$691$115
South Carolina$1,078$539$90
South Dakota$962$481$80
Tennessee$962$481$80
Texas$1,124$562$94
Utah$952$476$79
Vermont$804$402$67
Virginia$748$374$62
Washington$912$456$76
West Virginia$1,032$516$86
Wisconsin$846$423$71
Wyoming$1,032$516$86

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.
Mazda CX-3 insurance rates by U.S. state