Key Takeaways
Mazda 3 was introduced back in 2003 and 2004 and gained good recognition among motorheads. It comes in two body styles—one as a 4-door sedan and the other as a 5-door hatchback. If you're planning to buy this model or already own one, it's important to know the Mazda 3 car insurance cost and how it works. You should always compare multiple auto insurance quotes for Mazda 3 to find the one that suits you best. Let's get to know more about it.
The average yearly insurance cost for a Mazda 3 is around $1,584. But keep in mind, the actual rate can vary depending on a bunch of factors. That's why it's always a good idea to compare insurance quotes from various insurance providers to find what best suits you. You can even check rates easily through Way. While the yearly cost stands at $1,584, the monthly Mazda 3 insurance comes to about $132.
Mazda 3 is considered quite affordable to insure when compared to its competitors. The main reasons behind the lower insurance rates are its low purchase price, solid safety ratings, and cheaper repair costs. Plus, since it's not a high-performance luxury car, that also helps bring down the overall Mazda 3 auto insurance cost.
Certain factors like age, trim level, driving experience, driving record, location, and safety features can all impact the Mazda 3 car insurance cost. So, it's always important to check the most updated rates to make sure the information is still valid. Don't forget to compare auto insurance quotes across providers to find the best one for you.
Nationwide is the cheapest insurance company that provides premiums starting from $1,088. Vermont Mutual and Erie are also affordable choices, costing $1,113 and $1,280, respectively. Auto Owners offers the most expensive Mazda 3 car insurance cost for the 2020 model at $1,493.
| Insurance Company | Annual Rate |
|---|---|
| Nationwide | $1,088 |
| Vermont Mutual | $1,113 |
| Erie | $1,280 |
| USAA | $1,283 |
| State Farm | $1,285 |
| Tennessee Farmers | $1,317 |
| American Family | $1,403 |
| Country | $1,433 |
| Mercury | $1,447 |
| Arbella | $1,481 |
| Auto Owners | $1,493 |
While comparing the 2019 Mazda 3 car insurance cost, Cincinnati Insurance comes first to provide the cheapest premium, costing $1,038. On the other hand, Arbella offers an expensive premium at $1,429.
| Insurance Company | Annual Rate |
|---|---|
| Cincinnati Insurance | $1,038 |
| Auto Owners | $1,114 |
| Nationwide | $1,119 |
| Erie | $1,130 |
| USAA | $1,169 |
| State Farm | $1,306 |
| American Family | $1,311 |
| Plymouth Rock Insurance | $1,317 |
| Country | $1,320 |
| Mercury | $1,418 |
| Acuity | $1,424 |
| Arbella | $1,429 |
For the 2018 Mazda 3, State Farm provides the most affordable insurance premium at just $664. Plymouth Rock Insurance is on the expensive end with an annual premium of $1,126.
| Insurance Company | Annual Rate |
|---|---|
| State Farm | $664 |
| USAA | $682 |
| Erie | $766 |
| Progressive | $853 |
| Nationwide | $966 |
| Vermont Mutual | $1,006 |
| American Family | $1,008 |
| Acuity | $1,086 |
| Tennessee Farmers | $1,097 |
| Country | $1,113 |
| Plymouth Rock Insurance | $1,126 |
USAA offers the most affordable insurance premium for the 2017 Mazda 3, with rates starting at just $707 annually. State Farm and Erie also provide budget-friendly options, with premiums of $712 and $734, respectively. On the higher end, Plymouth Rock Insurance charges $1,092 per year, making it one of the more expensive choices for this model.
| Insurance Company | Annual Rate |
|---|---|
| USAA | $707 |
| State Farm | $712 |
| Erie | $734 |
| Texas Farm Bureau | $765 |
| Progressive | $893 |
| Vermont Mutual | $961 |
| Tennessee Farmers | $969 |
| American Family | $1,001 |
| Nationwide | $1,016 |
| Acuity | $1,070 |
| Plymouth Rock Insurance | $1,092 |
If you drive a 2016 Mazda 3, State Farm gives you the cheapest car insurance cost at $593 a year. USAA is also a good low-cost option at $601. Progressive and Erie both charge $672. If you're looking at higher prices, Acuity is the most expensive on the list at $1,000 a year.
| Insurance Company | Annual Rate |
|---|---|
| State Farm | $593 |
| USAA | $601 |
| Progressive | $672 |
| Erie | $672 |
| Texas Farm Bureau | $793 |
| American Family | $858 |
| Tennessee Farmers | $883 |
| Vermont Mutual | $934 |
| Country | $949 |
| Nationwide | $954 |
| Acuity | $1,000 |
USAA has the lowest 2015 Mazda 3 auto insurance quote at $596 per year. State Farm and Erie are also affordable options, costing $625 and $650, respectively. If you're okay with spending a bit more, Progressive and Texas Farm Bureau charge $755 and $760, respectively. On the higher end, Nationwide has one of the most expensive rates at $1,007, followed by Acuity at $998 and Country at $994.
| Insurance Company | Annual Rate |
|---|---|
| USAA | $596 |
| State Farm | $625 |
| Erie | $650 |
| Progressive | $755 |
| Texas Farm Bureau | $760 |
| Tennessee Farmers | $885 |
| Vermont Mutual | $898 |
| American Family | $916 |
| Country | $994 |
| Acuity | $998 |
| Nationwide | $1,007 |
If you own a 2014 Mazda 3, go to Erie for the cheapest insurance premium, starting at $632. Meanwhile, Country is the most expensive company on the list, with an annual premium of $1,035.
| Insurance Company | Annual Rate |
|---|---|
| Erie | $632 |
| USAA | $636 |
| State Farm | $720 |
| Texas Farm Bureau | $722 |
| Progressive | $829 |
| Vermont Mutual | $844 |
| Tennessee Farmers | $900 |
| Acuity | $974 |
| American Family | $984 |
| Plymouth Rock Insurance | $998 |
| Country | $1,035 |
The 2013 Mazda 3 has lower insurance rates than newer models. USAA offers the cheapest option at $522 per year. But Nationwide is the most expensive, at $959, with Plymouth Rock Insurance close behind at $955 annually.
| Insurance Company | Annual Rate |
|---|---|
| USAA | $522 |
| State Farm | $559 |
| Erie | $596 |
| Progressive | $682 |
| Texas Farm Bureau | $745 |
| Vermont Mutual | $863 |
| Tennessee Farmers | $866 |
| American Family | $879 |
| Allstate | $951 |
| Plymouth Rock Insurance | $955 |
| Nationwide | $959 |
USAA offers the lowest annual 2012 Mazda 3 insurance rate at $495, followed by State Farm at $504 and Erie at $560. These three are great picks if you're looking for cheaper coverage. On the higher end, Acuity and Nationwide both charge $906 per year, while Allstate comes in slightly lower at $898.
| Insurance Company | Annual Rate |
|---|---|
| USAA | $495 |
| State Farm | $504 |
| Erie | $560 |
| Texas Farm Bureau | $657 |
| Progressive | $672 |
| Vermont Mutual | $804 |
| Tennessee Farmers | $816 |
| American Family | $835 |
| Allstate | $898 |
| Acuity | $906 |
| Nationwide | $906 |
USAA once again tops the list of cheapest auto insurance providers, costing $525. Other options for affordable insurance premiums are Erie and State Farm, with annual premiums of $576 and $595, respectively. The most expensive insurance company is Arbella, with an annual rate of $954.
| Insurance Company | Annual Rate |
|---|---|
| USAA | $525 |
| Erie | $576 |
| State Farm | $595 |
| Progressive | $651 |
| Texas Farm Bureau | $708 |
| Vermont Mutual | $774 |
| Tennessee Farmers | $854 |
| American Family | $893 |
| Plymouth Rock Insurance | $909 |
| Allstate | $938 |
| Arbella | $954 |
Mazda 3 comes with advanced safety features that help reduce insurance costs drastically. Being a trusted brand, insurance companies also offer pretty good Mazda 3 car insurance quotes. Here are the safety features that make this car a go-to option:
Mazda 3 has good safety ratings according to IIHS. This really helps to reduce car insurance rates. Here are the ratings given by IIHS:
| Test / Feature | Rating |
|---|---|
| Small overlap front (driver & passenger) | Good (G) |
| Updated moderate overlap front | Good (G) |
| Updated side crash test | Good (G) |
| Headlights (multiple options available) | Good (G) / Acceptable (A) |
| Front crash prevention – vehicle-to-vehicle | Good (G) |
| Front crash prevention – pedestrian | Acceptable (A) |
Drive Safely: Careless driving can badly affect the Mazda 3 auto insurance cost. So, if you drive safely and keep a clean driving record, it'll help you lower your insurance premiums.
Improve the credit score: A good credit score, which is recommended to be above 700, can help you save up to $250 or more every year.
Follow driving laws: Even something as simple as traffic violations can increase the auto insurance premium for your Mazda 3.
Ask for relevant discounts: There are several discounts available from insurance companies that they don't usually tell you about, so you'll have to ask. Discounts like loyalty, senior citizens, military veterans, and more can help you bring down your annual premium.
Bundle insurance policies: You can save even more by bundling auto and home insurance policies.
While comparing individual rates on Way.com will give you a more accurate estimate, our information can guide you to decide where to start your search for intelligent vehicle insurance. You can compare premiums rather than request insurance quotes from numerous websites. This is the simplest way to find the best Mazda 3 car insurance cost.
It is better to conduct a thorough investigation to locate numerous trustworthy insurers from whom you can request competitive insurance quotes. We can help by providing a list of regional insurers who can provide you with affordable rates based on changeable criteria. Start by comparing quotes from Way.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
The Mazda 3 typically has higher insurance rates than other automobiles. There are various reasons for this. For instance, the car's age and driving record impact the rate. Your driving history is significant because it will affect your premium. You'll pay less for insurance if you have a clean driving record. If you get into an accident, your premium may increase. The cost of the collision will also depend on how old your car is.
The cost of Mazda 3 insurance varies greatly between suppliers. Depending on your chosen insurance provider, your rate could be higher or lower than the $1,261 average. Amica, Erie, and State Farm offer the most affordable vehicle insurance rates for a Mazda 3.
Mazda 3 car insurance rates cost about $52 less annually than the average car, setting you back about $1,584 a year.
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