Compare the Cost of Mazda3 Insurance by Model Year and Company

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Updated: May 20, 2024

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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.

MoneyGeek Logo IconCar Insurance CostsMazda3

Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze the average rates for a Mazda3.

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These rates were updated to reflect the average cost of car insurance for a Mazda3 as of 2023.

10Companies Compared
41,832 Quotes Analyzed

Average Cost and Cheapest Companies for Insuring a Mazda3

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.

Data filtered by:Results filtered by:
Coverage:Full Coverage
State FarmAverage Annual Premium$1,055
GEICOAverage Annual Premium$1,135
TravelersAverage Annual Premium$1,376
AllstateAverage Annual Premium$1,433
NationwideAverage Annual Premium$1,457
ProgressiveAverage Annual Premium$1,503
FarmersAverage Annual Premium$1,715

Is a Mazda3 Expensive to Insure?

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.

Best Companies for Insuring a Mazda3

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.

MoneyGeek Top Pick: State Farm

State Farm



The average cheapest full coverage policy for Mazda3 drivers


Has good customer satisfaction


Provides add-on rental car and travel reimbursement coverage and roadside assistance



Offers no unique coverage options


Lacks accident forgiveness and gap insurance


Low claims management rating


State Farm is an attractive insurer for Mazda3 drivers looking for an affordable full coverage policy and quality service. With this insurer, you will not need to sacrifice quality to stay on budget — the company ranked the highest for affordability and second-highest for customer satisfaction.

State Farm offers add-on coverage options that may benefit Mazda3 owners. One is the emergency roadside assistance that may be of value to those in need of towing, locksmith and other services after a covered breakdown.

Another add-on from State Farm is rental car and travel expenses reimbursement, which pays for a rental car after a covered claim up to policy limits and, in some circumstances, up to $500 in meals, transportation and accommodation after the policyholder is in an accident.

Read MoneyGeek's State Farm Auto Insurance Review

MoneyGeek Runner-Up: GEICO




Affordable full coverage Mazda3 premium


Third-best rating for customer satisfaction


Offers mechanical breakdown insurance (MBI), rental car reimbursement and roadside assistance



Lacks new car replacement, deductible modification and gap insurance


Below-average claims handling


GEICO ranked second in affordability and third in customer satisfaction, making it our runner-up for Mazda3 owners in need of an insurer that blends cost and reliable customer service.

GEICO provides several add-on coverages that help policyholders, including MBI, rental car reimbursement and roadside assistance. Mechanical breakdown insurance covers costly repairs for all systems and parts, offering a cheaper alternative than dealer-extended warranties.

GEICO’s roadside assistance is handy during emergencies, such as flat tires, shortage of oil or gas or a dead battery. The company’s rental car coverage pays for a rental car, up to policy limits, if your Mazda3 becomes unusable for more than 24 hours after a covered accident.

Read MoneyGeek's GEICO Auto Insurance Review

Cost of Insuring a Mazda3 by Model Year

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.

Data filtered by:Results filtered by:
Coverage:Full Coverage
2022Average Annual Premium$1,538
2021Average Annual Premium$1,511
2020Average Annual Premium$1,447
2019Average Annual Premium$1,439
2018Average Annual Premium$1,405
2017Average Annual Premium$1,368
2016Average Annual Premium$1,386
2015Average Annual Premium$1,379
2014Average Annual Premium$1,324
2013Average Annual Premium$1,325
2012Average Annual Premium$1,299
2011Average Annual Premium$1,265
2010Average Annual Premium$1,288
2009Average Annual Premium$1,284

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.

Data filtered by:Results filtered by:
Model Year:
Model Year:2022
Coverage:Full Coverage
State FarmAverage Annual Premium$1,229
GEICOAverage Annual Premium$1,268
NationwideAverage Annual Premium$1,407
TravelersAverage Annual Premium$1,476
ProgressiveAverage Annual Premium$1,682
AllstateAverage Annual Premium$1,781
FarmersAverage Annual Premium$1,952

Cost of Insuring a Mazda3 for 16- to 25-Year-Olds

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.

Data filtered by:Results filtered by:
Coverage:Full Coverage
16Average Annual Premium$6,312
17Average Annual Premium$5,129
18Average Annual Premium$4,507
19Average Annual Premium$3,117
20Average Annual Premium$2,823
21Average Annual Premium$2,169
22Average Annual Premium$2,007
23Average Annual Premium$1,867
24Average Annual Premium$1,774
25Average Annual Premium$1,600

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.

Data filtered by:Results filtered by:
Model Year:
Model Year:2022
Coverage:Full Coverage
State FarmAverage Annual Premium$3,952
NationwideAverage Annual Premium$5,555
TravelersAverage Annual Premium$5,867
GEICOAverage Annual Premium$5,965
AllstateAverage Annual Premium$8,261
ProgressiveAverage Annual Premium$8,972
FarmersAverage Annual Premium$9,795

How Does Location Affect the Cost of Mazda3 Insurance?

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Full Coverage
AlabamaCheapest CompanyNationwideAnnual Premium$709Monthly Premium$59
AlaskaCheapest CompanyState FarmAnnual Premium$699Monthly Premium$58
ArizonaCheapest CompanyRoot Insurance CompanyAnnual Premium$682Monthly Premium$57
ArkansasCheapest CompanyState FarmAnnual Premium$629Monthly Premium$52
CaliforniaCheapest CompanyAAA CaliforniaAnnual Premium$1,001Monthly Premium$83
ColoradoCheapest CompanyAmerican National P&CAnnual Premium$541Monthly Premium$45
ConnecticutCheapest CompanyGEICOAnnual Premium$693Monthly Premium$58
DelawareCheapest CompanyState FarmAnnual Premium$881Monthly Premium$73

Frequently Asked Questions About Mazda3 Insurance

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.

What company has the cheapest car insurance for a Mazda3?
What company offers the best car insurance for a Mazda3?

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.