Mazda Mazda3 Insurance Cost
The Mazda Mazda3 is a compact sedan with an average insurance cost of $1,420/yr. It carries a IIHS Top Safety Pick+ safety rating and low theft risk. See how costs break down by year below.
Quote My Mazda3$1,420/yr
Avg. Annual Insurance
IIHS Top Safety Pick+
Safety Rating
Low
Theft Risk
Compact Sedan
Body Type
Insurance Cost by Year — Mazda Mazda3
About Mazda Mazda3 Insurance
The Mazda Mazda3 is a popular compact sedan that averages $1,420/yr in annual insurance premiums. This places it below the national average of approximately $1,770 per year.
With a IIHS Top Safety Pick+ safety rating, the Mazda3 is considered a very safe vehicle by insurers. Strong safety ratings can qualify you for discounts with many carriers. The low theft risk also helps keep comprehensive coverage affordable.
Insurance costs vary by model year — newer Mazda3s (2026-2025) cost about 5-10% more due to higher replacement values, while older models (2020-2021) can be 10-15% cheaper as they depreciate.
Frequently Asked Questions
How much does Mazda Mazda3 insurance cost?
The average insurance cost for a Mazda Mazda3 is $1,420/yr. Actual rates vary based on your model year, driving record, location, and coverage levels. Newer model years cost 5-10% more while older years can be 5-15% cheaper.
Is the Mazda Mazda3 expensive to insure?
Compared to the national average of about $1,770/yr, the Mazda Mazda3 at $1,420/yr is below average in insurance cost. As a compact sedan, it falls within the typical range for its class.
What is the Mazda Mazda3's safety rating?
The Mazda Mazda3 has a IIHS Top Safety Pick+ safety rating. Strong safety ratings can help lower your insurance premiums, as vehicles with better crash protection result in fewer and less severe injury claims.
Is the Mazda Mazda3 a theft target?
The Mazda Mazda3 has a low theft risk rating. Low theft risk helps keep your comprehensive coverage affordable.
How can I get cheap Mazda Mazda3 insurance?
Compare quotes from multiple carriers (Truvo compares 40+ for free), consider a higher deductible, maintain a clean driving record, bundle auto and home insurance, and ask about discounts for safety features, good student status, or low mileage.
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