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 car of the same age, because of more damage to others' property and more injury claims. Putting a new 16-year-old on a family policy with the 3 adds about $1,340 a year (#5 of 12 small four-door cars we compare).

2024 Mazda 3 (3 4-Door 2WD), national average

about $2,030 a year (about $170 a month)

Estimated range: $1,500–$2,700. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 3 drops to about $1,590 (see the table below).

A Mazda 3 from the 2019–present generation. Photo: Chanokchon, CC BY-SA 4.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 3 4-Door 2WD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Mazda 3's rank is the same in every state.

Why the Mazda 3 costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Mazda 3, on HLDI's scale where 100 is an average car and lower is better, it reports 104 for crash repairs, 87 for non-crash damage, 116 for damage to others' property, and 116 for injury claims.

Crash repairs (collision)fixing this car after a crashAverage4% worse than average4th best of the 12 small four-door cars we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage13% better than average4th best of the 12 small four-door cars we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage16% worse than average7th best of the 12 small four-door cars we compare
Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 16% more often than average4th best of the 11 small four-door cars we compare

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Mazda 3 comes out about 1% better than average. So the part of the bill that fixes the car is about the same as average: about $950 a year vs $950. On the liability side, damage to others and injury claims combine to about 16% worse than average. We count about half, so that part is about 8% more: $1,070 a year vs $990.

How the math works

In EPA size classes, the 3 is a small car (gas-powered). In Highway Loss Data Institute loss tables, the Mazda 3 is benchmarked against small four-door cars.

Matched to HLDI series “Mazda 3” (HLDI, 2022–24 models).

A used Mazda 3, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 3 4-Door 2WD (0–3 years old)	about $2,030	about $1,070	+$1,340	about $5,810
2022 3 4-Door 2WD (4–7 years old)	about $1,910	about $1,070	+$1,260	about $5,490
2018 3 4-Door (8–12 years old)	about $1,720	about $1,030	+$1,130	about $4,930
2013 3 (13 or more years old)	about $1,590	about $1,010	+$1,050	about $4,570

Our catalog covers the Mazda 3 across model years 2006–2026. Full coverage on a used 2013 3 (13 or more years old) runs about $1,590 a year, $430 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $1,010 a year. Each photo shows that year's generation of the car. Photo credits.

Across 2024 Mazda 3 trims, full coverage goes from about $1,880 a year on the 3 5-Door 2WD to about $2,030 on the 3 4-Door 2WD, because HLDI's loss results differ by body, drive, 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

On a policy of their own with a 2024 Mazda 3, a 22–25-year-old pays about $2,630 a year ($610 more than a 45-year-old), a 26–39-year-old about $2,250, and a driver 65 and older about $2,130.

Adding a 16-year-old with a Mazda 3

A new driver costs more with any car, and more than usual with the Mazda 3: adding a 16-year-old raises the family bill by about $1,340 a year ($110 a month), $60 more than adding a teen with an average car of the same age. A separate policy in the 16-year-old's own name runs about $5,810 a year ($4,480 more than adding them to the family policy).

For adding a teen driver, the Mazda 3 ranks 41st most expensive out of all 121 models we track. Stepping down to a used 2013 3 (13 or more years old) brings the teen add-on to about $1,050 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar small four-door cars

Among these 12 small four-door cars, the Mazda 3 is the 5th least expensive to insure. Right next to it are the Nissan Kicks (about $2,010 a year) and the Toyota Corolla (about $2,070).

Photos from Wikimedia Commons contributors. Photo credits.

What a Mazda 3 costs in your state

In six sample states, a 2024 Mazda 3 runs from about $1,400 a year in Hawaii through Kansas, Illinois, California and New Jersey to about $2,430 in Texas:

Hawaiiabout $1,400/yr · +$930 teen
Kansasabout $1,660/yr · +$1,100 teen
Illinoisabout $1,770/yr · +$1,170 teen
Californiaabout $2,000/yr · +$1,320 teen
New Jerseyabout $2,380/yr · +$1,570 teen
Texasabout $2,430/yr · +$1,600 teen

All 50 states and DC · Updated November 5, 2026.

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