Compare the Cost of Mazda3 Insurance by Model Year and Company

Age is one of the influencers of auto insurance rates for any car, including a Mazda3.

For example, a 2009 Mazda3 costs, on average, $1,284 annually for a 40-year-old driver with full coverage, but a 16-year-old pays a whopping $5,938 for the same coverage.

For a 2022 model, a 16-year-old spends an average of $6,956 per year with full coverage, while a 40-year-old only pays a budget-friendly average premium of $1,538.

Although cost is essential when choosing an insurance carrier, MoneyGeek evaluated the best Mazda3 insurance companies based on affordability, claims management and customer satisfaction.

Mazda3 auto insurance costs around $1,424 yearly, but the provider you select can influence your actual cost significantly.

At an average yearly cost of $1,055, State Farm provides the cheapest auto insurance for a Mazda3 for a full coverage policy. Meanwhile, Farmers is the priciest, costing about $1,715 for the same coverage.

For Mazda3 drivers with a minimum coverage policy, State Farm is still the most affordable insurer, at around $487 per year, whereas Farmers remains the most expensive, costing an average of $785 per year.

Insurance companies consider several factors when determining a premium for a Mazda3, such as safety ratings and the sedan’s value.

The Mazda3 car insurance cost is moderate for a compact car. It received an overall excellent crash test rating and has a low theft rate and restrained horsepower. It’s also an inexpensive car to purchase (the 2022 MSRP was $21,865), which means repairs or replacement may cost less, reducing the risk an insurer takes on. All of the aforementioned often lead to a lower cost for auto insurance.

However, some cars may cost more than others in their class for various reasons that only insurance companies are privy to, as seems to be the case with the Mazda3, which is why it is not cheap to insure.

Although the cost of insuring a Mazda3 plays a vital role when selecting a company, it should not be your only consideration. The best auto insurance providers also offer a good customer experience. MoneyGeek analyzed insurers based on the key factors contributing to a positive experience: customer satisfaction, claims handling and affordability.

Our findings show that the top insurers for a Mazda3 are:

• State Farm: MoneyGeek score of 90 out of 100 ($1,055 per year)
• GEICO: MoneyGeek score of 89 out of 100 ($1,135 per year)

State Farm features the lowest premium and second-highest customer satisfaction for a Mazda3.

A full coverage policy for a 2009 Mazda3 costs about $1,284 per year, whereas a 2022 model costs around $1,538.

As you can see above, the average cost of car insurance varies for a Mazda3 based on the model year of the sedan. As a general rule, insurance for newer models tends to cost more than for older ones since the value of a new vehicle is higher. As the value depreciates, so should the cost of auto insurance.

Along with your car’s model year, the insurer you select could influence your Mazda3 insurance costs, but we found it does not change for this sedan.

For a 2009 model, State Farm offers the lowest average full coverage auto insurance at $960 per year and is also the cheapest for a 2022 model, costing around $1,229 annually.

The same insurer is not always the cheapest for each model year, and your motor vehicle record and age will affect what you pay, too. You can determine the best cheap insurer for your needs by shopping around and comparing quotes.

Insurers do consider your age when calculating your Mazda3 premium. Auto insurance for teen drivers and those in their early 20s usually costs more than drivers aged 30 and above because young drivers are riskier to insure due to inexperience.

The average Mazda3 insurance cost for a 16-year-old with a full coverage policy is $6,312 per year, while a 40-year-old driver only pays $1,376 for the same coverage.

Car insurance rates for teens decrease with each passing year and become more stable into their 20s.

For a Mazda3, a 16-year-old pays around $3,952 for a full coverage policy at State Farm, which is the cheapest option, and roughly $9,795 with Farmers, the most expensive insurer. These rates represent an individual policy, but a teen under 18 usually cannot get auto insurance without an adult co-signer.

To save a good percentage on the premium for a 16-year-old, adding them to a family policy is the best route. To secure the best car insurance for teen drivers, compare multiple quotes.

Mazda3 insurance costs vary greatly based on factors like the vehicle’s model year, the driver’s age and the insurance provider. Location may also influence actual rates.

Our research indicates that Idaho has the lowest average auto insurance costs, while Florida is the highest. When choosing auto insurance for your Mazda3, obtaining quotes from the most affordable insurers within your state is worthwhile.

Mazda3 drivers or those considering purchasing the car usually have concerns about the service quality and cost of coverage for this model. Below are answers to commonly asked questions about Mazda3 auto insurance.