Mazda3 insurance costs vary based on your car's model year, with 2025 models averaging $252 monthly compared to just $62 for older versions. Newer Mazda3s are more expensive to insure because they're worth more.
Mazda3 Insurance Cost
Updated: February 4, 2026
Key Takeaways
GEICO offers the most affordable Mazda3 insurance on average, though full coverage costs vary widely by model year and insurer, averaging $162 monthly nationwide. Read more
Sedans cost less to insure than other vehicle types due to better safety ratings and lower repair costs, with the Mazda3 ranking 69th out of 199 sedans for affordability in the US market. Read more
Your Mazda3's specific model year makes a big difference in insurance rates, especially if you're adding a teen driver to your policy. Read MoneyGeek's analysis of rates by company for specific 3 model years, depending on the age of the drivers
How Much Is Mazda3 Insurance?
Insurance rates depend on model year and insurer. Full coverage for a Mazda3 ranges from $137 monthly with Travelers to $301 with AIG, while minimum coverage spans $55 with GEICO to $145 with UAIC.Â
Rate variations of $90 for minimum coverage and $164 for full coverage demonstrate why Mazda3 owners need to shop around. Each company calculates model-specific risk differently, which impacts your final rate.
| AAA | $95 | $198 |
| AIG | $122 | $301 |
| Allstate | $109 | $210 |
| Amica | $107 | $218 |
| Chubb | $114 | $224 |
| Farmers | $124 | $219 |
| Geico | $55 | $118 |
| Kemper | $88 | $178 |
| Nationwide | $91 | $157 |
| Progressive | $84 | $156 |
| State Farm | $79 | $165 |
| The Hartford | $96 | $164 |
| Travelers | $75 | $137 |
| UAIC | $145 | $182 |
Is Mazda3 Expensive to Insure?
MoneyGeek's analysis of 199 sedans shows the Mazda3 ranking 69th for insurance affordability, meaning 68 models cost less to insure. It's positioned between the slightly cheaper Volkswagen Jetta and the marginally pricier Nissan Versa, making it middle-tier among sedan options. When you're comparing similar vehicles, this middle positioning gives you a realistic picture of what to expect.
While it's average among sedans, the Mazda3's 244th place out of 827 total models actually puts it in the top half for affordability across all car types. Sedans generally offer reasonable insurance rates, with the Saturn S-Series claiming the cheapest spot and the Cadillac CTS-V commanding the highest premiums in this category.
| Infiniti G-Series | $122 | 66 |
| Kia Rio | $122 | 67 |
| Volkswagen Jetta | $122 | 68 |
| Mazda 3 | $122 | 69 |
| Nissan Versa | $123 | 70 |
| Ford Focus | $123 | 71 |
| Hyundai Azera | $123 | 72 |
Several factors affect what you'll pay for Mazda3 insurance:
- Average Repair or Replacement Costs: The Mazda3's $553 annual repair costs make it the second-most-affordable model to maintain among Mazda's 17 vehicles, helping keep insurance premiums reasonable.
- Vehicle Trim, Features and Accessories: Higher trims cost more to insure due to the Mazda3's performance range of 155 to 250 horsepower, depending on trim. More powerful variants result in higher insurance premiums.
- Driver Profile:Â Most Mazda3 drivers fall between 30 and 50 years old, with a median age of around 40, earning lower rates due to experience and stability. The vehicle's performance reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of Mazda3s for young drivers.
Mazda3 Insurance Cost by State
Car insurance for a Mazda3 ranges from $31 monthly in Wyoming to $169 in Louisiana for minimum coverage, showing how location affects your costs. These state-by-state differences come from local risk factors and insurance regulations rather than anything specific to the vehicle itself.
| 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 |
Mazda3 Costs by Model Year and Insurance Company
A 2016 Mazda3 costs an average of $192 monthly to insure for drivers aged 35 to 55, while a 2025 model jumps to $250 per month for full coverage. Insurance costs for your Mazda3 may change greatly depending on your model year and the age of the drivers on your policy. Newer car models are more expensive than older models, and young drivers in their teens and early twenties will pay much more to insure.
GEICO is the cheapest insurer across all model years.
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Mazda3
| Geico | $69 | $151 |
| Nationwide | $93 | $162 |
| Travelers | $94 | $173 |
| Progressive | $97 | $180 |
| National General | $101 | $206 |
| State Farm | $110 | $230 |
| Kemper | $122 | $251 |
| The Hartford | $127 | $217 |
| AAA | $131 | $273 |
| Allstate | $138 | $267 |
| Amica | $152 | $313 |
| AIG | $173 | $437 |
| Chubb | $177 | $352 |
| Farmers | $178 | $316 |
| UAIC | $181 | $229 |
Cost of Car Insurance for 2024 Mazda3
| Geico | $66 | $143 |
| Nationwide | $88 | $154 |
| Travelers | $89 | $164 |
| Progressive | $92 | $171 |
| National General | $95 | $196 |
| State Farm | $104 | $218 |
| Kemper | $115 | $238 |
| The Hartford | $121 | $206 |
| AAA | $124 | $258 |
| Allstate | $131 | $254 |
| Amica | $144 | $297 |
| AIG | $164 | $415 |
| Chubb | $168 | $334 |
| Farmers | $169 | $299 |
| UAIC | $171 | $217 |
Cost of Car Insurance for 2023 Mazda3
| Geico | $54 | $117 |
| Nationwide | $72 | $125 |
| Travelers | $73 | $134 |
| Progressive | $75 | $139 |
| National General | $78 | $160 |
| State Farm | $85 | $178 |
| Kemper | $94 | $194 |
| The Hartford | $98 | $168 |
| AAA | $102 | $211 |
| Allstate | $107 | $207 |
| Amica | $118 | $242 |
| AIG | $134 | $339 |
| Chubb | $137 | $273 |
| Farmers | $138 | $244 |
| UAIC | $140 | $177 |
Cost of Car Insurance for 2022 Mazda3
| Geico | $51 | $112 |
| Nationwide | $69 | $119 |
| Travelers | $69 | $128 |
| Progressive | $71 | $133 |
| National General | $74 | $152 |
| State Farm | $81 | $170 |
| Kemper | $90 | $185 |
| The Hartford | $94 | $160 |
| AAA | $97 | $201 |
| Allstate | $102 | $197 |
| Amica | $112 | $231 |
| AIG | $128 | $323 |
| Chubb | $130 | $260 |
| Farmers | $131 | $233 |
| UAIC | $133 | $169 |
Cost of Car Insurance for 2021 Mazda3
| Geico | $46 | $100 |
| Nationwide | $62 | $107 |
| Travelers | $62 | $114 |
| Progressive | $64 | $119 |
| National General | $66 | $136 |
| State Farm | $73 | $152 |
| Kemper | $80 | $166 |
| The Hartford | $84 | $143 |
| AAA | $87 | $180 |
| Allstate | $91 | $177 |
| Amica | $101 | $206 |
| AIG | $114 | $289 |
| Chubb | $117 | $233 |
| Farmers | $117 | $208 |
| UAIC | $119 | $151 |
Cost of Car Insurance for 2020 Mazda 3
| Geico | $55 | $119 |
| National General | $70 | $144 |
| Travelers | $77 | $142 |
| Progressive | $88 | $164 |
| State Farm | $91 | $190 |
| Kemper | $100 | $203 |
| AAA | $102 | $211 |
| The Hartford | $103 | $176 |
| Nationwide | $106 | $183 |
| Allstate | $107 | $206 |
| Amica | $109 | $223 |
| Chubb | $120 | $238 |
| AIG | $129 | $323 |
| Farmers | $135 | $239 |
| UAIC | $145 | $182 |
Cost of Car Insurance for 2019 Mazda3
| Geico | $48 | $105 |
| National General | $64 | $131 |
| Travelers | $68 | $124 |
| Progressive | $74 | $138 |
| State Farm | $82 | $171 |
| Nationwide | $94 | $163 |
| AAA | $95 | $196 |
| Allstate | $96 | $186 |
| The Hartford | $97 | $165 |
| Amica | $100 | $204 |
| Kemper | $101 | $206 |
| Chubb | $110 | $218 |
| AIG | $119 | $297 |
| Farmers | $120 | $212 |
| UAIC | $135 | $168 |
Cost of Car Insurance for 2018 Mazda3
| Geico | $44 | $95 |
| National General | $55 | $113 |
| Travelers | $62 | $113 |
| Progressive | $68 | $128 |
| State Farm | $74 | $153 |
| AAA | $84 | $175 |
| Nationwide | $86 | $148 |
| Amica | $87 | $177 |
| The Hartford | $89 | $151 |
| Allstate | $92 | $176 |
| Chubb | $93 | $183 |
| Kemper | $98 | $202 |
| AIG | $104 | $258 |
| Farmers | $108 | $191 |
| UAIC | $123 | $154 |
Cost of Car Insurance for 2017 Mazda3
| Geico | $55 | $119 |
| National General | $68 | $139 |
| Travelers | $79 | $145 |
| State Farm | $82 | $171 |
| Progressive | $98 | $184 |
| Kemper | $102 | $207 |
| AAA | $102 | $211 |
| Nationwide | $105 | $180 |
| Amica | $107 | $219 |
| Chubb | $107 | $212 |
| The Hartford | $108 | $184 |
| Allstate | $117 | $226 |
| AIG | $124 | $305 |
| Farmers | $134 | $237 |
| UAIC | $151 | $189 |
Cost of Car Insurance for 2016 Mazda3
| Geico | $54 | $117 |
| National General | $67 | $137 |
| Travelers | $79 | $145 |
| State Farm | $79 | $164 |
| Kemper | $96 | $194 |
| AAA | $100 | $207 |
| Progressive | $100 | $188 |
| Nationwide | $103 | $178 |
| Chubb | $104 | $205 |
| Amica | $106 | $216 |
| The Hartford | $106 | $181 |
| Allstate | $117 | $225 |
| AIG | $122 | $298 |
| Farmers | $133 | $234 |
| UAIC | $149 | $186 |
Mazda3 Insurance Cost by Trim
Mazda3 insurance costs range from $252 monthly for full coverage on high-performance variants like the 2.5 Turbo Premium Plus down to just $62 for minimum coverage on basic models like the 2.0 Sedan 4d. Performance features and market value determine where your trim falls in this range.
| 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 |
How to Lower the Cost of Mazda3 Insurance
Here are the most effective ways to lower your insurance costs:
- 1Choose the right coverage
You'll need to figure out how much coverage to buy based on ownership status. Own it outright? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 limits, comprehensive, collision with $500 deductible and gap insurance per lender requirements.
- 2Research costs and affordable companies
Learn what you should pay by reviewing average auto insurance costs for compact sedans in your area. This benchmark assists with finding the cheapest car insurance companies offering competitive rates. Understanding typical pricing helps you spot genuine deals versus inflated quotes when shopping around.
- 3Look for more than just low rates
Selecting reliable car insurance means evaluating insurers beyond their quotes alone. Check J.D. Power satisfaction ratings, examine forum discussions about claims processing, review Better Business Bureau complaints and verify AM Best financial stability ratings. Budget options could provide limited coverage or slower customer service when you need help most.
- 4Find discounts you qualify for
Discover car insurance discounts that apply to your situation and driving habits. Mazda3 owners qualify for safety features discounts, good driver rewards, multi-vehicle savings and bundling discounts when combining auto with home insurance. These reductions can lower your annual premiums without sacrificing coverage quality.
- 5Consider alternative car insurance types
Mazda3 owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These options track your driving habits including speed, braking and mileage to offer premium reductions for safe drivers. Low-mileage drivers often see the biggest savings with these telematics programs.
- 6Check rates annually
Obtain car insurance quotes from multiple companies annually to ensure you're getting competitive rates. Your current insurer doesn't notify you when competitors lower their prices, so regular comparisons could save up to 24% on your Mazda3 insurance. Set a calendar reminder to shop around each renewal period.
Mazda3 Insurance Cost: Bottom Line
Mazda3 insurance costs less than average, making it an affordable choice for drivers. You'll find decent rates by shopping multiple insurers and claiming available discounts for your coverage needs.
Mazda3 Insurance Rates: FAQ
What is the average cost of car insurance for a Mazda3?
Insurance costs average $1,007 annually for state minimum coverage and $1,947 for full coverage. The Mazda3 ranks 69th out of 199 sedans for insurance affordability, placing it in the more affordable half of its category.
What company has the cheapest car insurance for a Mazda3 ?
GEICO offers the most affordable minimum coverage for a Mazda3 at $660 per year. Drivers seeking full coverage find the best rates with Travelers at $1,644 per year.
Are Mazda3 cars expensive to insure?
No, Mazda3 insurance is not expensive compared to most vehicles. Among sedans specifically, this model places 69th out of 199 for affordability, ranking in the more affordable half of its category.
What factors affect insurance costs for a Mazda3?
The vehicle ranks favorably for affordability, with average monthly premiums of $123 compared to the national average. Your driving record, credit score, and coverage selections impact costs, along with your location and age.
How can I lower Mazda3 insurance costs?
Compare quotes from several insurers since pricing differs between companies, and explore usage-based programs that monitor safe driving. Maximize available discounts, bundle policies with home or renters insurance, and keep your driving record clean to secure better rates.
How We Determined Mazda3 Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Mazda3 insurance costs.
Who We Based These Rates On
These Mazda3 rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score is in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.