- 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.
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 | $2,492 | $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 |
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.
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 |
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.
Rank | Make/Model | Insurance Cost | Difference |
---|---|---|---|
1 | Mazda CX-3 | $1,260 | -- |
2 | Honda CR-V | $1,304 | $44 |
3 | Mazda CX-5 | $1,320 | $60 |
4 | Mazda CX-30 | $1,330 | $70 |
5 | Ford Ecosport | $1,334 | $74 |
6 | Toyota C-HR | $1,338 | $78 |
7 | Nissan Rogue Sport | $1,344 | $84 |
8 | Buick Envision | $1,354 | $94 |
9 | Chevrolet Trax | $1,358 | $98 |
10 | Mitsubishi Eclipse Cross | $1,362 | $102 |
11 | Hyundai Kona | $1,364 | $104 |
12 | Nissan Kicks | $1,370 | $110 |
13 | Hyundai Tucson | $1,372 | $112 |
14 | Kia Sportage | $1,374 | $114 |
15 | Hyundai Venue | $1,376 | $116 |
16 | Jeep Compass | $1,386 | $126 |
17 | Chevrolet Equinox | $1,390 | $130 |
18 | Kia Soul | $1,392 | $132 |
19 | Chevrolet Trailblazer | $1,404 | $144 |
20 | Volkswagen Tiguan | $1,416 | $156 |
21 | Honda HR-V | $1,418 | $158 |
22 | Subaru Forester | $1,422 | $162 |
23 | Nissan Rogue | $1,442 | $182 |
24 | Ford Escape | $1,446 | $186 |
25 | Subaru Crosstrek | $1,450 | $190 |
26 | Buick Encore | $1,454 | $194 |
27 | GMC Terrain | $1,456 | $196 |
28 | Kia Seltos | $1,464 | $204 |
29 | Volkswagen ID4 | $1,494 | $234 |
30 | Ford Bronco Sport | $1,504 | $244 |
31 | Fiat 500X | $1,506 | $246 |
32 | Jeep Renegade | $1,520 | $260 |
33 | Toyota RAV4 | $1,568 | $308 |
34 | Kia Niro | $1,580 | $320 |
35 | Mini Cooper Countryman | $1,602 | $342 |
36 | Mini Cooper | $1,646 | $386 |
37 | Mitsubishi Mirage | $1,672 | $412 |
38 | Chevrolet Bolt | $1,676 | $416 |
39 | Mini Cooper Clubman | $1,792 | $532 |
40 | Mitsubishi Outlander | $1,820 | $560 |
41 | Hyundai 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.
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.
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 |