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 $1,292 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.

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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 August 12, 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$2,212$184
$500$2,560$213
$250$2,926$244
30$1,000$1,156$96
$500$1,354$113
$250$1,558$130
40$1,000$1,112$93
$500$1,292$108
$250$1,480$123
50$1,000$1,020$85
$500$1,182$99
$250$1,348$112
60$1,000$998$83
$500$1,158$97
$250$1,322$110

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$2,560$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

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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 August 12, 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 $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.

2021 Mazda CX-3 Insurance Cost by 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

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 August 11, 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 $1,292 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.

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 August 12, 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$1,292--
2Honda CR-V$1,338$46
3Mazda CX-5$1,356$64
4Mazda CX-30$1,362$70
5Ford Ecosport$1,366$74
6Toyota C-HR$1,370$78
7Nissan Rogue Sport$1,380$88
8Buick Envision$1,390$98
9Chevrolet Trax$1,396$104
10Mitsubishi Eclipse Cross$1,396$104
11Hyundai Kona$1,400$108
12Hyundai Tucson$1,406$114
13Nissan Kicks$1,408$116
14Kia Sportage$1,410$118
15Hyundai Venue$1,412$120
16Jeep Compass$1,422$130
17Chevrolet Equinox$1,426$134
18Kia Soul$1,428$136
19Chevrolet Trailblazer$1,442$150
20Volkswagen Tiguan$1,452$160
21Honda HR-V$1,456$164
22Subaru Forester$1,458$166
23Nissan Rogue$1,480$188
24Ford Escape$1,482$190
25GMC Terrain$1,484$192
26Subaru Crosstrek$1,488$196
27Buick Encore$1,488$196
28Kia Seltos$1,504$212
29Volkswagen ID4$1,532$240
30Ford Bronco Sport$1,544$252
31Fiat 500X$1,548$256
32Jeep Renegade$1,560$268
33Toyota RAV4$1,610$318
34Kia Niro$1,624$332
35Mini Cooper Countryman$1,644$352
36Mini Cooper$1,688$396
37Mitsubishi Mirage$1,720$428
38Chevrolet Bolt$1,724$432
39Mini Cooper Clubman$1,840$548
40Mitsubishi Outlander$1,872$580
41Hyundai 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.

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 August 11, 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$2,248$187
Philadelphia, PA$2,000$167
Las Vegas, NV$1,994$166
Los Angeles, CA$1,988$166
San Francisco, CA$1,724$144
Kansas City, MO$1,540$128
Oklahoma City, OK$1,540$128
Denver, CO$1,508$126
Memphis, TN$1,508$126
Atlanta, GA$1,488$124
San Jose, CA$1,450$121
Phoenix, AZ$1,412$118
Portland, OR$1,392$116
San Diego, CA$1,386$116
Boston, MA$1,380$115
Jacksonville, FL$1,372$114
Chicago, IL$1,342$112
Dallas, TX$1,320$110
Houston, TX$1,312$109
Seattle, WA$1,308$109
Nashville, TN$1,260$105
Milwaukee, WI$1,256$105
Albuquerque, NM$1,234$103
San Antonio, TX$1,196$100
Omaha, NE$1,162$97
Fort Worth, TX$1,156$96
Austin, TX$1,140$95
Indianapolis, IN$1,044$87
Columbus, OH$960$80
Charlotte, NC$920$77

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.

Mazda CX-3 Average Insurance Cost by State for 2023
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

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 August 12, 2023
Mazda CX-3 insurance rates by U.S. state