- It costs less to insure a Mazda CX-3 than the average car.
- Liability only car insurance prices for a CX-3 run around $84 per month, while full coverage usually comes in at about $160.
- CaliforniaCasualty offers the cheapest average rates for a CX-3 with liability only coverage offered for as cheap as $32 a month.
In This Article
With a base price of just $20,640 for 2021 models, the Mazda CX-3 is a great car for drivers on a budget.
After analyzing thousands of insurance quotes through Compare.com, we've determined that, on average, Mazda CX-3 auto insurance premiums run around $150 per month. But how does that stack up to other similar cars out there on the market?
|Current Base Price||$20,640|
|Average Insurance Premium||$150/mo.|
|Cheapest Insurance Company||CaliforniaCasualty|
How Much is Car Insurance for a Mazda CX-3?
|Vehicle||Liability Only||Full Coverage|
|All Mazda Models||$79||$159|
|Average Insurance Premium||$81||$169|
You'll see in the table above that when you compare the Mazda CX-3 to other vehicles, insurance rates are right about average. On average, CX-3 owners will pay around $160 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $84 a month for liability only insurance (find out more about these different types of insurance with our guide "State Minimum vs. Full Coverage").
Compared to other models, the CX-3 is matches Mazda's vehicle offerings. Compared to offerings from other brands, insurance for a CX-3 runs close to average, with liability insurance prices coming in at $1 higher than other cars and full coverage insurance premiums at $17 cheaper.
The Mazda CX-3 also has average rates when comparing it to vehicles of any body type, no matter what make, model, or body style they are.
Who has the Cheapest Car Insurance for a Mazda CX-3?
|Insurance Company||Average Monthly Premium|
Shopping around for a car insurance policy for your Mazda CX-3? You probably want to know which carrier offers the cheapest prices. While there will never be one company that offers the most affordable premiums for everyone, the lowest average rates for liability only insurance are as low as just $30 per month from Clearcover. The runner up for cheapest rates is CaliforniaCasualty, with car insurance policies starting as little as $32 monthly.
Completing the top 5 companies are Shelter Mutual, CarnegieGeneral, and MetroMile. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.
Auto insurance companies take a bunch of things into consideration when calculating monthly premiums. By checking quotes from lots of auto insurance carriers at once, you can rest easy knowing that you're finding the most affordable rate.
What Factors Affect Car Insurance Rates for a Mazda CX-3?
There are a whole bunch of attributes that insurance companies use to calculate how much they charge for a policy -- and every carrier uses a different algorithm, so there's not a singular company that's the lowest for each driver.
The sections below show a wide array of factors car insurance carriers use to choose rates:
|Vehicle Age||Average Monthly Premium|
|Less than 1 Year||$83|
|6-7 Years||Not Enough Data|
|8-10 Years||Not Enough Data|
|11-14 Years||Not Enough Data|
|15 Years or Older||Not Enough Data|
The Mazda CX-3 has been around for a few years -- that means vehicle age will likely play a role in your auto insurance rate. Generally, it costs less to insure older cars because they're worth less than newer models, and as cars age, insurance costs will gradually decrease.
As you can see in the information above, the Mazda CX-3 does not follow this trend, as the cheapest models to insure are those that are 2 to 3 years old, while on average, the most expensive CX-3s are 4 to 5 years old.
|Age||Average Monthly Premium|
How old you are makes a significant difference in how much car insurance companies will charge you for auto insurance. In the table above, you'll see that drivers with more experience have cheaper prices than young drivers. Mazda CX-3 drivers under 18 actually pay over three times as much as those 25 or older.
Insurance prices continue to go lower as you get older, with drivers aged 65 years and older making up the cheapest age group for the CX-3.
|Gender||Average Monthly Premium|
Because women are less likely to get into accidents and get speeding tickets, they have a lower chance of filing a claim with insurance. So, women tend to get cheaper rates than men. Surprisingly, when it comes to CX-3 drivers specifically, men and women pay about the same rates a month for insurance.
Where You Live
|State||Average Monthly Premium|
You might think it's common sense that variables such as what vehicle you drive and how old you are play a role in your auto insurance rates, but did you know that where you live is equally important? Because insurance is regulated on the state level and not nationally, premiums differ quite a bit depending on which state you call home.
For example, the average Mazda CX-3 owner from New York pays around $195 monthly for liability coverage, while the same Californian driver will pay less than 50% of that price, on average. The chart shows average prices for the top 10 most populous states, just to give you a good idea of how much rates can change across states.
Mazda CX-3 Car Insurance Discounts
Whatever what vehicle you drive, where you live, or how old you are, using as many discounts as possible when it comes to your car insurance policy is always a good idea.
While no two auto insurance carriers offer the same exact discounts, there are a few different ones that you'll find with most companies. These include discounts like:
- Multi-policy discounts for getting both your home and auto policies from the same carrier
- Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings
- Pay-in-full discounts for drivers who agree to pay their entire policy price at once, rather than in monthly installments
- Multi-car discounts for having several vehicles on your auto policy
While discounts are always a good way to save money on your car insurance, sometimes, it's actually your driving record and insurance profile that get you the best rates.
You obviously can't control every single aspect of your insurance profile (like some of the pieces we mentioned above), but there is quite a bit that you can control. Below are just a few of the factors you can use in your favor when it comes to saving cash:
Your Driving Record
|Infractions||Average Monthly Premium|
You've no doubt seen ads from car insurance carriers offering large discounts for safe drivers. It makes sense that your auto insurance prices will increase if you get tickets for speeding or get into an accident. But you still might be left wondering exactly how much these infractions will cost you.
You can see from the table above that accidents will usually cost CX-3 drivers more than tickets, but both will result in higher than normal rates. Mazda CX-3 drivers with one ticket will pay about $64 per month, while drivers with a single accident on their record pay an average of $119 a month (up $35 from the $84/mo. overall average). The rates only go higher the more accidents you have or tickets you get.
How Much You Drive
|Annual Mileage||Average Monthly Premium|
The amount of miles you drive annually impacts your insurance premiums. Those who are on the roads less often are less likely to get into collisions, so they'll generally end up paying less for auto insurance. In the table above, you can see that Mazda CX-3 owners who drive fewer than 2,500 miles per year pay about $76 a month for insurance, while those who put 10,000 miles or more on their cars pay $77.
If you don't drive much because have a second vehicle or you work from home, you might consider getting a usage-based or pay-per-mile car insurance policy. With these policies, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.
How Do Mazda CX-3s Compare to Other Vehicles?
If you're considering purchasing a Mazda CX-3, it can pay off to do your due diligence. Car insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth taking into consideration.
Visit the table below to see how the Mazda CX-3 compares:
|Mazda CX-3||National Average|
|Full Coverage Insurance||$462||$169|
|Average Annual Mileage||11,004||11,617|
With an MSRP that's less than half of the going rate for a new vehicle, the Mazda CX-3 is a fantastic value for any budget. While the national average vehicle price is $46,296, the CX-3 retails at just $20,640.
But while the purchase price is on the lower end of the spectrum, auto insurance rates are slightly higher when compared to the rest of the vehicle market. Full coverage insurance for a Mazda CX-3 is about $293 per month more than average, while liability only coverage is $1 cheaper monthly.
When it comes to usage, Mazda CX-3 owners drive about the same amount annually as the national average, with 11,004 miles every year compared to 11,617 for all vehicles.
Mazda CX-3 Car Insurance Costs by Model Year
We've gone over many of the things that can affect how much the average driver pays to insure a Mazda CX-3. But if you're considering buying a new CX-3, knowing how much your vehicle will likely cost can be extremely helpful as you weigh your options and compare it to other vehicles on your shortlist.
2021 Mazda CX-3 Car Insurance
|Liability Only Avg. Premium||$80|
|Full Coverage Avg. Premium||$462|
|Cheapest Insurance Company||DirectGeneral - $52/mo.|
You can expect full coverage for a 2021 CX-3 to run around $462 per month, while liability only coverage will average about $80 a month.
DirectGeneral offered the most affordable policy we found, with rates as cheap as just $52 per month.
While these are good estimates of what the average driver might pay to insure a 2021 Mazda CX-3, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.
2020 Mazda CX-3 Car Insurance
|Liability Only Avg. Premium||$120|
|Full Coverage Avg. Premium||$253|
|Cheapest Insurance Company||PlymouthRockNJ - $50/mo.|
|Available Trims||SPORT, TOURING|
It costs around $120 a month for liability or $253 for a full coverage policy for the 2020 Mazda CX-3.
With rates as little as just $50 monthly, PlymouthRockNJ offered the cheapest policy we found.
Want something more accurate than nationwide averages? All you need to do is enter your ZIP code below and you'll be on your way to comparing a multitude of personalized quotes from the nation's top insurance companies.
2019 Mazda CX-3 Car Insurance
|Liability Only Avg. Premium||$74|
|Full Coverage Avg. Premium||$142|
|Cheapest Insurance Company||Clearcover - $29/mo.|
|Available Trims||GRAND TOURING, SPORT, TOURING|
2019 CX-3 drivers can expect to pay an average of $74 a month for liability or $142 for full coverage.
Looking for the lowest policy? Clearcover offered liability only coverage for sometimes as little as $29 monthly.
If you want to find the best premiums for car insurance for a 2019 Mazda CX-3, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.
2018 Mazda CX-3 Car Insurance
|Liability Only Avg. Premium||$93|
|Full Coverage Avg. Premium||$156|
|Cheapest Insurance Company||Clearcover - $28/mo.|
|Available Trims||GRAND TOURING, SPORT, TOURING|
On average, drivers who own a 2018 Mazda CX-3 can expect to pay $93 to $156 per month for liability only and full coverage insurance, respectively.
Clearcover has rates sometimes as cheap as $28 a month for the 2018 Mazda CX-3.
Interested in what your car insurance rate could look like? Just enter your ZIP code below to get several personalized quotes for free.
2017 Mazda CX-3 Car Insurance
|Liability Only Avg. Premium||$84|
|Full Coverage Avg. Premium||$147|
|Cheapest Insurance Company||Shelter Mutual - $27/mo.|
|Available Trims||GRAND TOURING, SPORT, TOURING|
The average cost to insure a 2017 CX-3 with liability only coverage is $84 per month, while full coverage runs about $147 monthly.
We found Shelter Mutual offered the most affordable policy, with rates sometimes as low as $27 per month.
And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.
2016 Mazda CX-3 Car Insurance
|Liability Only Avg. Premium||$83|
|Full Coverage Avg. Premium||$149|
|Cheapest Insurance Company||Liberty Mutual - $22/mo.|
|Available Trims||GRAND TOURING, SPORT, TOURING|
You can expect full coverage for a 2016 Mazda CX-3 to run around $149 a month, while liability only coverage will average about $83 monthly.
With prices as low as $22 a month, Liberty Mutual offered the cheapest policy we found for the 2016 Mazda CX-3.
If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.
Mazda CX-3 Insurance FAQs
Is a Mazda CX-3 expensive to insure?
Liability insurance runs an average of $84 monthly, while full coverage will cost you around $160. When compared to the national average of all vehicles, rates come in on the lower end of the spectrum.
How can I get the best price on car insurance for my Mazda CX-3?
There's only one way to confirm you're getting the lowest rates -- checking prices regularly and comparing quotes from multiple carriers. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a variety of companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.
Does the color of my Mazda CX-3 affect my insurance premiums?
Have you heard the old adage that red cars cost more to insure than cars of other colors before? Well, that's actually not true. There are a range of variables auto insurance carriers use when they calculate how much you'll pay, but your car's color is not one of them.
Do I need to have insurance before I buy a Mazda CX-3?
Before you can legally drive your new (or new to you) CX-3 off the dealership lot, you'll need to have valid insurance for it. Some dealerships will offer you an auto insurance policy as part of the buying process, but it's best to let your car insurance carrier know ahead of time.
What car insurance discounts can I get for my Mazda CX-3?
There are a range of different discounts out there for auto insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are based less on your Mazda CX-3 and more on you, but if your CX-3 has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may be eligible for certain discounts. The only way to know for sure is to get in touch with your insurance company and ask about their list of discounts, since they change quite a bit from company to company.