The Mazda 3 is a sporty, compact car that first debuted in the U.S. in 2003. The vehicle has been released as a five-door hatchback and a four-door sedan throughout its four generations and underwent a mid-cycle refresh for the 2026 model. If you own a Mazda3, it needs to be protected with the right car insurance.
When it's time to find the best Mazda 3 insurance, an independent insurance agent can assist you. These agents know where to get the right Mazda insurance at a great rate. But first, here's a closer look at how much it costs to insure a Mazda3 by model year and top-rated insurance company in 2026.
Key Takeaways - Mazda 3 Car Insurance
Mazda 3 insurance costs an average of $1,947 per year, or approximately $162 per month, for full coverage in 2026.
Progressive, USAA, and Erie are the cheapest carriers for model-year 2025 Mazda 3 insurance this year.
Mazda 3 insurance costs vary widely by state, with drivers in Wyoming paying an average of only $31 monthly for minimum coverage, while those in Louisiana pay $169.
Your age, location, credit, trim level, and driving history are all major factors that can influence the cost of Mazda 3 insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Mazda 3 model.
What Is Mazda 3 Insurance?
Mazda 3 insurance is a specialized car insurance policy that offers customized coverage for your specific vehicle. As a compact car, the Mazda 3 is unlikely to require additional coverage beyond that needed by standard sedans. However, the Mazda 3's average car insurance rates trend cheaper than those for similar vehicles in its class.
Recommended coverage options for Mazda 3 drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses arising from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving an uninsured or underinsured driver, or after a hit-and-run.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
Add-on coverage options worth considering for a Mazda 3:
- Mazda warranty insurance: This can extend Mazda's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- Gap insurance: If you have a new or financed Mazda vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Mazda parts during the repair process.
Work with a local independent insurance agent to get equipped with all the required Mazda3 insurance to satisfy your state's coverage mandates. This helps you avoid state penalties such as fines.
How Much Does Mazda 3 Insurance Cost?
The average cost of car insurance for a Mazda 3 is $1,947 per year, or approximately $162 per month, for full coverage. Minimum coverage for a Mazda 3 costs an average of $1,007 annually, or approximately $84 monthly. However, several factors can influence the cost of Mazda insurance, including:
- The specific type of Mazda 3 you drive
- Your credit score (where allowed)
- The types and amount of coverage you need
- Your claims history
- Your location
- Vehicle safety features
- Your driving history
- Annual mileage
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Mazda 3 full coverage insurance or a basic Mazda 3 liability insurance policy.
Is the Mazda 3 Expensive to Insure?
No, the Mazda 3 isn't expensive to insure when compared to other Mazdas and other vehicles in general. The table below compares the Mazda 3's average monthly auto insurance rates to those of other Mazda vehicles and all cars.
| Vehicle | Average Monthly Cost of Full Coverage |
| Mazda 3 | $162 |
| All Mazdas | $168 |
| All Cars | $175 |
Average Mazda 3 Insurance Rates Compared to Similar Vehicles
The Mazda 3's average monthly auto insurance rates are quite level with those of other vehicles in its class, including the Infiniti G-Series, the Volkswagen Jetta, and the Nissan Versa. The table below compares the Mazda 3's average monthly rates to those of similar vehicles.
| Vehicle | Average Monthly Cost of Car Insurance |
| Infiniti G-Series | $122 |
| Kia Rio | $122 |
| Volkswagen Jetta | $122 |
| Mazda 3 | $122 |
| Nissan Versa | $123 |
| Ford Focus | $123 |
| Hyundai Azera | $123 |
Mazda 3 Insurance Costs by Model Year
Next, we'll break down several model years of the Mazda 3 and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2026 Mazda 3* | $1,945 |
| 2025 Mazda 3 | $1,473 |
| 2024 Mazda 3 | $1,368 |
| 2023 Mazda 3 | $892 |
| 2022 Mazda 3 | $885 |
| 2021 Mazda 3 | $905 |
| 2020 Mazda 3 | $1,106 |
| 2019 Mazda 3 | $938 |
| 2018 Mazda 3 | $741 |
| 2017 Mazda 3 | $801 |
| 2016 Mazda 3 | $775 |
| 2015 Mazda 3 | $769 |
| 2014 Mazda 3 | $635 |
| 2013 Mazda 3 | $661 |
| 2012 Mazda 3 | $457 |
| 2011 Mazda 3 | $378 |
| 2010 Mazda 3 | $416 |
*Note: The 2026 Mazda 3's rates are a projection based on the evaluation of inflation trends and current market data.
Cheapest Mazda 3 Car Insurance Companies for 2026
Some insurers offer more affordable Mazda 3 insurance than others. These top-rated Mazda car insurance companies provide the cheapest model-year 2025 Mazda 3 insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Progressive | $1,688 |
| USAA | $1,690 |
| Erie | $1,904 |
| Nationwide | $2,210 |
| American Family | $2,211 |
| Allstate | $4,275 |
Mazda 3 Car Insurance Rates by State
Car insurance premiums are heavily influenced by your location. Here are some average auto insurance rates for the Mazda 3 by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $70 | $133 |
| Alaska | $60 | $128 |
| Arizona | $100 | $187 |
| Arkansas | $67 | $150 |
| California | $79 | $160 |
| Colorado | $81 | $193 |
| Connecticut | $116 | $200 |
| Delaware | $118 | $198 |
| Florida | $108 | $249 |
| Georgia | $126 | $207 |
| Hawaii | $45 | $101 |
| Idaho | $45 | $92 |
| Illinois | $75 | $141 |
| Indiana | $54 | $106 |
| Iowa | $46 | $110 |
| Kansas | $58 | $136 |
| Kentucky | $103 | $174 |
| Louisiana | $169 | $363 |
| Maine | $42 | $88 |
| Maryland | $128 | $217 |
| Massachusetts | $86 | $181 |
| Michigan | $126 | $243 |
| Minnesota | $68 | $141 |
| Mississippi | $70 | $139 |
| Missouri | $96 | $191 |
| Montana | $58 | $137 |
| Nebraska | $60 | $137 |
| Nevada | $151 | $274 |
| New Hampshire | $58 | $103 |
| New Jersey | $139 | $229 |
| New Mexico | $68 | $152 |
| New York | $103 | $186 |
| North Carolina | $69 | $136 |
| North Dakota | $49 | $106 |
| Ohio | $63 | $122 |
| Oklahoma | $76 | $169 |
| Oregon | $102 | $178 |
| Pennsylvania | $70 | $165 |
| Rhode Island | $103 | $183 |
| South Carolina | $86 | $160 |
| South Dakota | $44 | $133 |
| Tennessee | $64 | $130 |
| Texas | $104 | $211 |
| Utah | $91 | $154 |
| Vermont | $37 | $89 |
| Virginia | $79 | $128 |
| Washington | $77 | $142 |
| West Virginia | $71 | $144 |
| Wisconsin | $53 | $117 |
| Wyoming | $31 | $97 |
Average Mazda 3 Insurance Rates by Trim Level
Your Mazda 3's specific trim can also affect its car insurance costs. Here are some average Mazda 3 insurance rates by trim level in 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 2.0 Sedan 4d | $62 | $121 |
| 2.5 S Sedan 4d | $66 | $129 |
| Grand Touring Hatchback 4d | $67 | $130 |
| 2.5 S Hatchback 4d | $69 | $135 |
| Grand Touring Sedan 4d | $70 | $137 |
| Select Hatchback 4d | $71 | $138 |
| I Sedan 4d | $71 | $136 |
| Touring 2.5 Hatchback 4d | $73 | $141 |
| Sedan 4d | $75 | $146 |
| Select Sedan 4d | $76 | $147 |
| I SV Sedan 4d | $77 | $148 |
| S Sedan 4d | $78 | $151 |
| S Hatchback 4d | $79 | $151 |
| I Sport Sedan 4d | $79 | $153 |
| Preferred Sedan 4d | $79 | $154 |
| I Touring Sedan 4d | $80 | $154 |
| Preferred Hatchback 4d | $80 | $155 |
| Carbon Edition Sedan 4d | $80 | $156 |
| I Sport Hatchback 4d | $80 | $155 |
| Premium Sedan 4d | $81 | $157 |
| I Touring Hatchback 4d | $81 | $155 |
| Hatchback 4d | $81 | $157 |
| S Sport Hatchback 4d | $81 | $156 |
| Mazdaspeed3 Touring Hatchback 4d | $81 | $157 |
| 2.5 Turbo Sedan 4d | $81 | $159 |
| I Touring Value Sedan 4d | $83 | $159 |
| Sport Hatchback 4d | $83 | $160 |
| S Grand Touring Sedan 4d | $83 | $161 |
| I Grand Touring Sedan 4d | $84 | $161 |
| S Touring Sedan 4d | $84 | $161 |
| S Sport Sedan 4d | $84 | $162 |
| Carbon Edition Hatchback 4d | $84 | $165 |
| SP Hatchback 4d | $85 | $163 |
| I Grand Touring Hatchback 4d | $87 | $167 |
| S Touring Hatchback 4d | $87 | $167 |
| 2.5 S | $89 | $173 |
| 2.5 Turbo Hatchback 4d | $89 | $173 |
| Mazdaspeed3 Sport Hatchback 4d | $89 | $171 |
| S Grand Touring Hatchback 4d | $90 | $173 |
| Premium Hatchback 4d | $90 | $175 |
| Touring Hatchback 4d | $90 | $174 |
| 2.5 S Select Sport | $91 | $177 |
| Touring Sedan 4d | $91 | $175 |
| SP Sedan 4d | $92 | $176 |
| Premium Plus Sedan 4d | $92 | $179 |
| Premium Plus Hatchback 4d | $96 | $188 |
| 2.5 S Preferred | $96 | $188 |
| Sport Sedan 4d | $98 | $189 |
| Mazdaspeed3 Grand Touring Hatchback 4d | $102 | $196 |
| 2.5 S Carbon Edition | $107 | $208 |
| 2.5 S Premium | $111 | $217 |
| 2.5 Carbon Turbo | $116 | $226 |
| 2.5 Turbo Premium Plus | $129 | $252 |
Average Mazda 3 Insurance Rates by Driver Age and Profile
Your age, credit, and driving history can also majorly affect the cost of your car insurance. Teens and young drivers pay the highest average insurance rates for a Mazda 3. Auto insurance rates tend to decline considerably starting around age 25.
Once a driver reaches about age 65, auto insurance rates begin to climb through their senior years. Here are some average Mazda 3 insurance rates by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $4,613 | $6,751 | $7,917 |
| 20 | $3,560 | $5,209 | $6,103 |
| 25 | $2,086 | $3,045 | $3,583 |
| 30 | $1,630 | $2,384 | $2,796 |
| 35 | $1,525 | $2,240 | $2,610 |
| 40 | $1,448 | $2,158 | $2,527 |
| 45 | $1,441 | $2,077 | $2,449 |
| 55 | $1,318 | $1,909 | $2,235 |
| 65 | $1,379 | $2,014 | $2,353 |
| 75 | $1,704 | $2,538 | $2,963 |
Best Mazda 3 Insurance Discounts: How to Lower Your Mazda 3 Insurance Premiums
Want to save even more money on Mazda 3 insurance? Follow any of these easy tips to increase your savings today:
- Ask about Mazda 3 insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or Mazda may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Compare quotes from multiple carriers: Comparing Mazda 3 insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Mazda 3 insurance from a trusted carrier near you.
Your independent insurance agent can help you find the best Mazda 3 insurance discounts and the most affordable coverage all around. They can also recommend additional strategies to lower your premiums even further.
An Independent Insurance Agent Can Help You Get the Best Mazda 3 Insurance Quotes
When it's time to find the most affordable Mazda 3 insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Mazda 3 insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to lower your premium rates even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Mazda 3 Insurance
How much does Mazda 3 insurance cost per year?
The average annual cost of full coverage for a Mazda 3 is $1,947 per year, or approximately $162 per month, for full coverage. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Mazda 3 insurance premiums?
Living in a high-theft rate area, having traffic violations or accidents on your record, filing claims in the past, and having poor credit can all lead to higher Mazda 3 insurance premiums.
Is the Mazda 3 expensive to insure?
No, the Mazda 3 isn't expensive to insure, on average, compared to other Mazda vehicles or other cars in general.
What are the best and cheapest carriers for Mazda 3 insurance in 2026?
We found that Progressive, USAA, and Erie are the best and cheapest car insurance companies for model-year 2025 Mazda 3 insurance this year.
Is insurance cheaper for the Mazda 3 than for similar vehicles?
Yes, the Mazda 3's average monthly insurance rates are cheaper than those for some similar vehicles, while being level with many others, including the Kia Rio, the Ford Focus, and the Volkswagen Jetta.
How can I get cheaper Mazda 3 insurance?
Finding cheaper Mazda 3 insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.insuranceopedia.com/auto-insurance/mazda-3-car-insurance
https://www.moneygeek.com/insurance/auto/mazda3-insurance/
https://www.thezebra.com/auto-insurance/vehicles/mazda/mazda3/