Mazda 3 Insurance Cost: Average Rates & What Drives Them

The Mazda3 is a compact car sold as a sedan and a hatchback, and shoppers often choose it for its handling and interior at a mainstream price. Insurers file it with other compact cars, which are usually among the less costly vehicles to cover. A Mazda3 is rarely a theft magnet or a high-horsepower risk, though the turbocharged trims and the newest model years can cost more.

Everything on this page is a published average, so treat it as a starting point for comparing quotes. Full coverage includes liability, collision, and comprehensive. The minimum coverage figure is the cheaper option for drivers who own the car outright and live in a state that allows it.

Next to the U.S. average for all vehicles, the Mazda3 sits below on full coverage and above on minimum coverage.

Model year has a bigger effect on a compact car than many buyers expect. Newer cars cost more to replace, and the newest ones carry advanced driver aids that raise repair costs after a minor collision. A 2025 Mazda3 averages $211/mo, a 2020 comes in at $173/mo, and a 2004 sits at $136/mo.

Buyers often ask whether the body style changes the rate. The published sources used for this page do not split sedan and hatchback figures, so there is no number to quote. In general, insurers key off the exact vehicle identification number, which includes the body style and trim, so you will get a precise answer by asking for a quote on each.

Beyond the car, insurers weigh your age, ZIP code, mileage, and driving history, and in most states your credit-based insurance score. A commuter who drives a long way each day pays more than someone who works from home, even on identical cars. Repair costs also play in. Cameras, radar sensors, and headlights on newer compacts can turn a small fender bender into a large bill, which is why the newest model years cost noticeably more.

Geico, State Farm, and Progressive land in different places, and the order can change by state. Geico averages $118/mo, State Farm $165/mo, and Progressive $156/mo for full coverage on a Mazda3 here.

The gap between states is larger than the gap between insurers. Louisiana averages $363/mo for the Mazda3, California $160/mo, and Maine $88/mo.

MoneyGeek gives $162/mo for full coverage. Insurify gives an average quote of $161/mo, though its page does not say which coverage level that number reflects. That means the Insurify figure is not a strict match for the other, even if the numbers look close. Treat it as a rough reference.

• Get quotes from at least three insurers using the same coverage limits and deductibles.
• Ask about discounts for safety features, low mileage, and bundling.
• Raise the deductible only to an amount you could cover after an accident.
• Review the policy each renewal, since rates change as the car ages.
• Keep a clean driving record, since violations and claims are priced in for years.