Mazda CX-3 Car Insurance Cost for 2023

• 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.

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.

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.

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.