How much is insurance on a Mazda 3?
A 2024 Mazda 3 runs about $2,030 a year for a typical 45-year-old, $80 more than an average 2024 car, because of more at-fault claims.
2024 Mazda 3, national average
about $2,030 a year (about $170 a month)
roughly $1,500–$2,700
An average 2024 car: about $1,940. An older Mazda 3 costs less (below).
Priced: the 2024 3 4-Door 2WD (the newest year our claims data covers), a 45-year-old, clean record, full coverage. Each state moves every car's price by the same share. How we got these.
A used Mazda 3, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 (0–3 years old) | about $2,030 | about $1,070 | +$1,340 | about $5,810 |
| 2022 (4–7 years old) | about $1,910 | about $1,070 | +$1,260 | about $5,490 |
| 2018 (8–12 years old) | about $1,770 | about $1,050 | +$1,170 | about $5,090 |
| 2013 (13 or more years old) | about $1,650 | about $1,050 | +$1,090 | about $4,730 |
We list the Mazda 3 for 2006–2026. How much a car's age takes off is our own estimate. Years before 2022 use the 2022–24 claims results.
The 2024 Mazda 3 runs from about $1,880 a year (3 5-Door 2WD) to about $2,030 (3 4-Door 2WD): the claims data differs by drive, body, or powertrain.
- 3 5-Door 2WD: about $1,880
- 3 5-Door 4WD: about $1,900
- 3 4-Door 4WD: about $1,950
- 3 4-Door 2WD: about $2,030
The Mazda 3 for other drivers on their own policy, a year: 22–25, $2,630; 26–39, $2,250; 65 and older, $2,130.
Adding a 16-year-old with a Mazda 3
A new 16-year-old driving the Mazda 3 adds about $1,340 a year ($110 a month), $60 more than with an average 2024 car.
For adding a teen, the Mazda 3 ranks 41st most expensive of our 121 car pages.
That's the whole household's bill going up. Cheapest cars to insure for a teen.
Why the Mazda 3 costs what it does
Its insurance claims against an average car's (HLDI):
- Repairs
- about average
- Theft and weather
- lower than average
- Damage to others
- higher than average
- Injuries to others
- higher than average
The part that fixes or replaces the Mazda 3: about $950, against $950 for an average 2024 car (about the same). The part that pays for harm to others: about $1,070, against $990 for an average car (8% more).
By the EPA's size classes it's a small car, and it's gas-powered. The Highway Loss Data Institute groups it with small four-door cars.
Matched to “Mazda 3” in HLDI's results.
Similar small four-door cars
Among these 12 small four-door cars, the Mazda 3 is the 5th least expensive to insure.
- 2024 Toyota Prius Primeabout $1,790 ($240 less)
- 2024 Nissan Leafabout $1,890 ($140 less)
- 2024 Toyota Priusabout $1,910 ($120 less)
- 2024 Nissan Kicksabout $2,010 (about the same)
- 2024 Mazda 3about $2,030 (this car)
- 2024 Toyota Corollaabout $2,070 (about the same)
- 2024 Honda Civicabout $2,150 ($130 more)
- 2024 Nissan Versaabout $2,200 ($180 more)
- 2024 Hyundai Elantraabout $2,230 ($210 more)
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.