Mazda Mazda3 Insurance Cost

Full coverage for a Mazda Mazda3 costs about $1,630 a year ($136/month) by our estimate — ▲ +3% versus the average vehicle, ranking 155th cheapest of 310 current models.

Mazda Mazda3 exterior (photo from Wikimedia Commons) — Photo: TTTNIS, CC0 1.0

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Mazda Mazda3 insurance cost at a glance

Full coverage

$1,630

$136/mo · $1,335–$1,920

Minimum liability

$675

$56/mo

Segment

Compact car

Gasoline

HLDI collision losses

104

Average (100 = avg)

NHTSA overall

★★★★★

2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2005–2026 model years of the Mazda Mazda3.

Estimated Mazda Mazda3 premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$675	$56	$550–$795
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$975	$81	$800–$1,150
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,630	$136	$1,335–$1,920

What drives the cost of insuring a Mazda Mazda3

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Mazda Mazda3's results put our vehicle factor at 1.10× for liability, 1.03× for collision and 0.87× for comprehensive.

HLDI relative insurance losses — Mazda 3 (Small Four-door cars)
Coverage	Index	Rating	What it measures
Collision	104	Average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	87	Better than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	116	Worse than average	Damage this car does to other vehicles and property
Bodily injury liability	116	Worse than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	120	Worse than average	Injuries to occupants of this car (claim frequency)
Medical payments	107	Worse than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (4)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Mazda 3	104	87	116	116
Mazda 3 hatchback	95	76	100	92
Mazda 3 4WD	110	92	97	—
Mazda 3 hatchback 4WD	107	92	89	—

Repair and parts costs: Compact car — mainstream parts availability keeps repairs moderate.
Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 5★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 3 NHTSA recall campaigns and 20 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Mazda Mazda3 trims and configurations (2026)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
3 4-Door 2WD	FWD	2.5L 4-cyl	30
3 4-Door 4WD	4WD	2.5L 4-cyl	29
3 4-Door 4WD	4WD	2.5L 4-cyl Turbo	27
3 5-Door 2WD	FWD	2.5L 4-cyl	29
3 5-Door 4WD	4WD	2.5L 4-cyl	28
3 5-Door 4WD	4WD	2.5L 4-cyl Turbo	26

Mazda Mazda3 insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2026	2.5L 4-cyl, 2.5L 4-cyl Turbo	4WD, FWD	26–30	$1,630
2025	2.5L 4-cyl, 2.5L 4-cyl Turbo	4WD, FWD	26–31	$1,600
2024	2.5L 4-cyl, 2.5L 4-cyl Turbo	4WD, FWD	26–31	$1,565
2023	2.0L 4-cyl, 2.5L 4-cyl, 2.5L 4-cyl Turbo	4WD, FWD	26–31	$1,535
2022	2.0L 4-cyl, 2.5L 4-cyl, 2.5L 4-cyl Turbo	4WD, FWD	26–31	$1,505
2021	2.0L 4-cyl, 2.5L 4-cyl, 2.5L 4-cyl Turbo	4WD, FWD	26–31	$1,475
2020	2.5L 4-cyl	4WD, FWD	27–30	$1,445
2019	2.5L 4-cyl	4WD, FWD	27–30	$1,415
2018	2.0L 4-cyl, 2.5L 4-cyl	FWD	28–32	$1,380
2017	2.0L 4-cyl, 2.5L 4-cyl	FWD	28–32	$1,350
2016	2.0L 4-cyl, 2.5L 4-cyl	FWD	29–33	$1,320
2015	2.0L 4-cyl, 2.5L 4-cyl	FWD	29–33	$1,315
2014	2.0L 4-cyl, 2.5L 4-cyl	FWD	30–33	$1,315
2013	2.0L 4-cyl, 2.5L 4-cyl	FWD	23–32	$1,315
2012	2.0L 4-cyl, 2.5L 4-cyl	FWD	23–32	$1,315
2011	2.0L 4-cyl, 2.5L 4-cyl	FWD	23–28	$1,315
2010	2.0L 4-cyl, 2.5L 4-cyl	FWD	24–28	$1,315
2009	2.0L 4-cyl, 2.3L 4-cyl	FWD	24–27	$1,315
2008	2.0L 4-cyl, 2.3L 4-cyl	FWD	24–27	$1,315
2007	2.0L 4-cyl, 2.3L 4-cyl, 2.3L 4-cyl Turbo	FWD	21–27	$1,315

Mazda Mazda3 insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs.

State	Full coverage	Minimum	vs. national
Alabama	$1,405	$525	−14%
Alaska	$1,425	$685	−13%
Arizona	$1,705	$725	+5%
Arkansas	$1,415	$490	−13%
California	$1,595	$625	−2%
Colorado	$1,825	$715	+12%
Connecticut	$1,745	$780	+7%
Delaware	$1,840	$880	+13%
District of Columbia	$2,050	$815	+26%
Florida	$2,365	$1,180	+45%
Georgia	$2,040	$955	+25%
Hawaii	$1,120	$475	−31%
Idaho	$1,100	$440	−33%
Illinois	$1,405	$545	−14%
Indiana	$1,150	$445	−29%
Iowa	$1,080	$340	−34%
Kansas	$1,275	$440	−22%
Kentucky	$1,370	$580	−16%
Louisiana	$2,255	$865	+38%
Maine	$1,030	$465	−37%
Maryland	$1,835	$825	+13%
Massachusetts	$1,605	$650	−2%
Michigan	$1,770	$840	+9%
Minnesota	$1,340	$515	−18%
Mississippi	$1,540	$580	−6%
Missouri	$1,465	$560	−10%
Montana	$1,270	$430	−22%
Nebraska	$1,275	$440	−22%
Nevada	$1,905	$950	+17%
New Hampshire	$1,155	$440	−29%
New Jersey	$1,990	$1,025	+22%
New Mexico	$1,450	$570	−11%
New York	$2,205	$1,020	+35%
North Carolina	$1,200	$490	−26%
North Dakota	$1,010	$305	−38%
Ohio	$1,155	$445	−29%
Oklahoma	$1,445	$515	−11%
Oregon	$1,480	$685	−9%
Pennsylvania	$1,410	$465	−13%
Rhode Island	$1,985	$900	+22%
South Carolina	$1,755	$805	+8%
South Dakota	$1,195	$345	−27%
Tennessee	$1,340	$495	−18%
Texas	$1,910	$760	+17%
Utah	$1,495	$715	−8%
Vermont	$1,040	$350	−36%
Virginia	$1,400	$685	−14%
Washington	$1,430	$645	−12%
West Virginia	$1,340	$480	−18%
Wisconsin	$1,100	$410	−33%
Wyoming	$1,225	$355	−25%

Mazda Mazda3 insurance by driver profile

Estimated annual Mazda Mazda3 premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,850	$2,680	$4,480	$373
Young adult (22)	$1,075	$1,560	$2,605	$217
Adult in their 30s	$675	$975	$1,630	$136
Adult in their 50s	$620	$895	$1,500	$125
Senior (72)	$755	$1,090	$1,825	$152
30s, one at-fault accident	$975	$1,415	$2,360	$197
30s, DUI on record	$1,245	$1,805	$3,015	$251

Mazda Mazda3 vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Mazda Mazda3	$1,630	104	87	—
Honda Civic	$1,790	121	88	—
Toyota Corolla	$1,705	102	89	—
Toyota Prius	$1,595	118	104	—

Estimate Mazda Mazda3 insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Mazda models

CX-30 $1,405/yr
CX-5 $1,325/yr
CX-50 $1,220/yr
CX-70 $1,480/yr
CX-90 $1,465/yr
MX-5 Miata $1,280/yr
CX-9 $1,385/yr
MX-30 $1,395/yr
Mazda2 $1,335/yr
Mazda6 $1,385/yr
CX-3 $1,285/yr
Mazda5 $1,135/yr
Mazdaspeed3 $1,245/yr
CX-7 $1,190/yr
RX-8 $1,445/yr
Tribute $1,165/yr
B-Series $1,240/yr
MPV $1,135/yr

All Mazda insurance costs →

Frequently asked questions

How much is insurance for a Mazda Mazda3?

We estimate about $1,630 a year ($136 a month) for full coverage and $675 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 3% more than the average vehicle.

Is the Mazda Mazda3 expensive to insure?

HLDI insurance-loss data rates it at 104 for collision and 87 for comprehensive losses (100 = average of all vehicles), meaning collision losses are average.

Which state is cheapest to insure a Mazda Mazda3?

North Dakota has the lowest estimate (about $1,010 a year for full coverage) and Florida the highest (about $2,365).

What is the Mazda Mazda3's NHTSA safety rating?

The 2026 Mazda Mazda3 earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Mazda Mazda3 cheaper to insure than the Honda Civic?

By our estimate the Mazda Mazda3 costs about $1,630 a year versus $1,820 for the Honda Civic, making it the cheaper of the two to insure.

How much is Mazda Mazda3 insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,480 a year at national-average rates by our estimate.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page