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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Mazda 3 drivers pay an average of $156 per month for car insurance, which is below the national average for all vehicles.
USAA has the cheapest Mazda 3 auto insurance rates, at around $82 per month.
A Mazda 3 with cheaper trim levels and more safety features is less expensive to insure than AWD, turbo, and carbon edition trims with standard features.
Average insurance costs for the Mazda 3 depend on the level of coverage you choose. A liability-only policy covers only the damages and injuries you cause to others.
A full-coverage policy offers more robust protection because it also protects your vehicle. It includes liability insurance along with collision and comprehensive. These coverages pay for damage to your vehicle from accidents and non-collision incidents, such as fire, theft, vandalism, or weather-related events.
The table below compares average monthly Mazda 3 premiums to the national averages for all vehicles, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Mazda 3 | $112 | $200 | $156 |
| All vehicles | $113 | $212 | $163 |
Mazda 3 drivers pay an average of $112 per month for liability coverage and $200 for full coverage, both slightly below the national average for all vehicles.
Next, we’ll examine how factors such as your driving record, location, and model year affect Mazda 3 insurance rates.
Comparing quotes can save you up to $867.†
Insurance costs can vary widely by company, even for the same vehicle, because insurers use unique formulas to determine premiums. That’s why it’s a good idea to compare quotes from multiple companies to find the lowest price for your Mazda 3.
Check out the table below for the cheapest insurers for the Mazda 3, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $82 |
| State Farm | $91 |
| Allstate | $116 |
| American Family | $124 |
| GEICO | $127 |
| CSAA | $139 |
| Nationwide | $150 |
| Progressive | $154 |
| Travelers | $157 |
| Farmers | $178 |
| Liberty Mutual | $212 |
| Amica | $400 |
USAA has the lowest average rate for Mazda 3 drivers, at $82 per month, which is about 47% cheaper than the model’s overall average of $156.
Here are more-detailed breakdowns of the three cheapest Mazda 3 insurers to help you find the right company.
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA offers exceptional value and low rates to eligible drivers. Mazda 3 owners who qualify for membership can choose from a standard liability-only or full-coverage policy. Low-mileage drivers can also opt for the SafePilot Miles pay-as-you-go program. The program lets you save up to an additional 20% if you practice safe driving habits.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is one of the few insurers that offer personalized service from local agents. Mazda 3 owners who need basic liability or full coverage may want to consider State Farm for its generous safe driving and bundling discounts. State Farm advertises savings of up to $1,356 for bundling home and auto and up to 20% for insuring multiple vehicles.
| User Reviews | 3.6 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate offers multiple ways to meet your Mazda 3 coverage needs. Its Milewise pay-per-mile policy may be a great fit for low-mileage drivers, while Drivewise can help safe drivers get lower premiums on standard policies. You can also customize your policy with optional coverages, such as rideshare insurance, accident forgiveness, and extended warranty coverage.
Pay-per-mile insurance available
Highly rated Drivewise telematics program
Affordable Mazda 3 rates
Drivewise may increase rates
Few add-on options
Below-average claims satisfaction
The Mazda 3 is a modestly priced four-door sedan. With an MSRP of $24,550 for the 2026 model, you’ll have plenty of affordable insurance options for your Mazda 3.[6]
Newer vehicles typically have higher values than older model years, so they cost more to repair or replace — and insurance costs more, too. Here’s a look at the average Mazda 3 insurance cost by model year, according to Compare.com data.
Mazda 3 Model Year | Average Monthly Premium |
|---|---|
| 2026 | $187 |
| 2025 | $188 |
| 2024 | $188 |
| 2023 | $188 |
| 2022 | $188 |
| 2021 | $182 |
| 2020 | $173 |
| 2019 | $170 |
| 2018 | $163 |
| 2017 | $161 |
| 2016 | $156 |
| 2015 | $152 |
| 2014 | $150 |
| 2013 | $143 |
| 2012 | $138 |
| 2011 | $135 |
| 2010 | $133 |
| 2009 | $128 |
| 2008 | $127 |
| 2007 | $124 |
| 2006 | $123 |
| 2005 | $120 |
| 2004 | $117 |
Company | Average Monthly Premium |
|---|---|
| USAA | $98 |
| State Farm | $109 |
| Allstate | $139 |
| American Family | $149 |
| GEICO | $152 |
| CSAA | $167 |
| Nationwide | $180 |
| Progressive | $185 |
| Travelers | $188 |
| Farmers | $213 |
| Liberty Mutual | $254 |
| Amica | $480 |
Company | Average Monthly Premium |
|---|---|
| USAA | $99 |
| State Farm | $110 |
| Allstate | $140 |
| American Family | $150 |
| GEICO | $153 |
| CSAA | $168 |
| Nationwide | $181 |
| Progressive | $186 |
| Travelers | $190 |
| Farmers | $215 |
| Liberty Mutual | $256 |
| Amica | $483 |
Company | Average Monthly Premium |
|---|---|
| USAA | $99 |
| State Farm | $110 |
| Allstate | $140 |
| American Family | $150 |
| GEICO | $153 |
| CSAA | $168 |
| Nationwide | $181 |
| Progressive | $186 |
| Travelers | $190 |
| Farmers | $215 |
| Liberty Mutual | $256 |
| Amica | $483 |
Company | Average Monthly Premium |
|---|---|
| USAA | $99 |
| State Farm | $110 |
| Allstate | $140 |
| American Family | $149 |
| GEICO | $153 |
| CSAA | $167 |
| Nationwide | $181 |
| Progressive | $185 |
| Travelers | $189 |
| Farmers | $214 |
| Liberty Mutual | $255 |
| Amica | $481 |
Company | Average Monthly Premium |
|---|---|
| USAA | $99 |
| State Farm | $110 |
| Allstate | $140 |
| American Family | $149 |
| GEICO | $153 |
| CSAA | $167 |
| Nationwide | $181 |
| Progressive | $185 |
| Travelers | $189 |
| Farmers | $214 |
| Liberty Mutual | $255 |
| Amica | $481 |
Company | Average Monthly Premium |
|---|---|
| USAA | $95 |
| State Farm | $106 |
| Allstate | $135 |
| American Family | $144 |
| GEICO | $148 |
| CSAA | $162 |
| Nationwide | $175 |
| Progressive | $179 |
| Travelers | $183 |
| Farmers | $207 |
| Liberty Mutual | $247 |
| Amica | $465 |
Company | Average Monthly Premium |
|---|---|
| USAA | $91 |
| State Farm | $101 |
| Allstate | $129 |
| American Family | $138 |
| GEICO | $141 |
| CSAA | $154 |
| Nationwide | $167 |
| Progressive | $171 |
| Travelers | $174 |
| Farmers | $198 |
| Liberty Mutual | $235 |
| Amica | $444 |
Company | Average Monthly Premium |
|---|---|
| USAA | $89 |
| State Farm | $99 |
| Allstate | $126 |
| American Family | $135 |
| GEICO | $138 |
| CSAA | $151 |
| Nationwide | $163 |
| Progressive | $168 |
| Travelers | $171 |
| Farmers | $194 |
| Liberty Mutual | $231 |
| Amica | $435 |
Company | Average Monthly Premium |
|---|---|
| USAA | $86 |
| State Farm | $95 |
| Allstate | $122 |
| American Family | $130 |
| GEICO | $133 |
| CSAA | $146 |
| Nationwide | $157 |
| Progressive | $161 |
| Travelers | $164 |
| Farmers | $186 |
| Liberty Mutual | $222 |
| Amica | $419 |
Company | Average Monthly Premium |
|---|---|
| USAA | $84 |
| State Farm | $94 |
| Allstate | $119 |
| American Family | $128 |
| GEICO | $131 |
| CSAA | $143 |
| Nationwide | $154 |
| Progressive | $159 |
| Travelers | $162 |
| Farmers | $183 |
| Liberty Mutual | $218 |
| Amica | $412 |
Company | Average Monthly Premium |
|---|---|
| USAA | $82 |
| State Farm | $91 |
| Allstate | $116 |
| American Family | $124 |
| GEICO | $127 |
| CSAA | $139 |
| Nationwide | $150 |
| Progressive | $154 |
| Travelers | $157 |
| Farmers | $178 |
| Liberty Mutual | $212 |
| Amica | $399 |
Company | Average Monthly Premium |
|---|---|
| USAA | $80 |
| State Farm | $89 |
| Allstate | $113 |
| American Family | $121 |
| GEICO | $124 |
| CSAA | $136 |
| Nationwide | $146 |
| Progressive | $150 |
| Travelers | $153 |
| Farmers | $174 |
| Liberty Mutual | $207 |
| Amica | $391 |
Compare personalized quotes from dozens of top companies in minutes.
Where you live makes a big difference in your Mazda 3 insurance costs. Insurers consider everything from how often storms hit your area to local repair costs and even fraud rates.[7]
The map below shows how regional differences affect rates across different states, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $129 |
| Arizona | $137 |
| Arkansas | $148 |
| California | $168 |
| Colorado | $168 |
| Connecticut | $232 |
| Delaware | $195 |
| Florida | $182 |
| Georgia | $208 |
| Hawaii | $103 |
| Idaho | $86 |
| Illinois | $129 |
| Indiana | $106 |
| Iowa | $88 |
| Kansas | $121 |
| Kentucky | $161 |
| Louisiana | $175 |
| Maine | $114 |
| Maryland | $248 |
| Massachusetts | $123 |
| Michigan | $188 |
| Minnesota | $142 |
| Mississippi | $123 |
| Missouri | $148 |
| Montana | $122 |
| Nebraska | $118 |
| Nevada | $207 |
| New Hampshire | $72 |
| New Jersey | $220 |
| New Mexico | $118 |
| New York | $179 |
| North Carolina | $72 |
| North Dakota | $95 |
| Ohio | $101 |
| Oklahoma | $140 |
| Oregon | $124 |
| Pennsylvania | $131 |
| Rhode Island | $179 |
| South Carolina | $200 |
| South Dakota | $113 |
| Tennessee | $116 |
| Texas | $179 |
| Utah | $122 |
| Vermont | $117 |
| Virginia | $146 |
| Washington | $138 |
| Washington D.C. | $257 |
| West Virginia | $120 |
| Wisconsin | $99 |
| Wyoming | $92 |
The amount of experience you have on the road really matters for your wallet. Teen drivers are nearly three times as likely to get into an accident as experienced adult drivers.[8] Their premiums reflect that heightened risk.
Our data clearly shows this gap, with rates for teen Mazda 3 drivers starting at $300 per month before dropping sharply as drivers gain experience.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $300 |
| Adults | $156 |
| Seniors | $134 |
Young drivers pay more because the numbers tell a concerning story. Teens ages 16–19 represent just under 4% of all licensed drivers but account for nearly 9% of all accident-involved drivers.[9] This higher accident risk is why you’ll pay more to insure a teenage Mazda 3 driver.
The chart below shows the cheapest Mazda 3 insurance companies for teens and drivers younger than 25, according to our data.
Even though age can bring challenges to driving safely, older drivers are statistically less likely to get into an accident than other age groups. About 13.5% of all drivers are aged 65–74, but they account for just over 7% of vehicle accidents.
Drivers older than 55 tend to follow speed limits more consistently and take road rules seriously. Many also drive fewer miles and avoid challenging situations, such as rush-hour traffic or nighttime driving.[10]
The chart below breaks down the cheapest insurers for senior Mazda 3 owners, according to our research.
Your driving history matters to your insurer because it’s a good indicator of your likelihood of filing a claim and increasing its costs. Traffic violations, accidents, and DUIs all signal higher claim potential, which translates into steeper premiums for your Mazda 3.
But some companies focus specifically on high-risk drivers, offering specialized coverage for those with moving violations.
The table below shows how different driving records can affect your Mazda 3 monthly premium, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $156 |
| Speeding ticket | $209 |
| At-fault accident | $223 |
| DUI | $262 |
Speeding not only breaks the law but also raises your auto insurance premiums significantly. When you speed, you’re more likely to lose control of your vehicle, increase crash severity, and file a claim.[11]
Even so, some companies care less about recent tickets than others.
The chart below compares Mazda 3 insurance costs by company for drivers with speeding tickets, according to our data.
If you cause an accident, expect your car insurance rates to increase even more than they would with a ticket. In fact, one at-fault accident raises rates by an average of 33%, according to Compare.com data.
But it’s possible to find an affordable rate if you know where to look. Here’s a look at the cheapest insurers for Mazda 3 drivers with an accident on their driving records.
Driving under the influence (DUI) is one of the greatest risks you can take while operating a vehicle. It’s not only dangerous, but just one conviction can skyrocket your rates.
Many states require high-risk drivers to file an SR-22 or FR-44 form after a DUI. Both forms prove you have the minimum insurance your state requires.
The chart below shows which companies offer the most affordable rates for Mazda 3 drivers after a DUI, according to our data.
In addition to the factors above, other things can affect how much you pay for Mazda 3 car insurance, including:
Vehicle value: The 2026 Mazda 3 is available in six trim levels, ranging from $25,785 to $37,975, according to Kelley Blue Book.[12] Its below-average pricing helps lower the overall cost of Mazda 3 insurance.
Performance versions: Turbocharged and carbon edition Mazda 3s are a higher risk in insurers’ eyes, leading to higher premiums for these trim levels than for the base model.
Body style: The Mazda 3 sedan costs less than the hatchback and may help you save on car insurance costs.
Safety features: Standard safety technology, including automatic braking and lane-keeping assist, helps the Mazda 3 earn top Insurance Institute for Highway Safety (IIHS) and National Highway Traffic Safety Administration (NHTSA)ratings. You may qualify for a safety features discount and get cheaper rates.
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Here are a few tips to get cheaper car insurance for your Mazda 3:
Choose lower trims. Standard Mazda 3 models usually cost less to insure than turbo or all-wheel-drive versions.
Buy an older Mazda 3. Older vehicles are generally cheaper to insure. You can also save by opting for liability-only coverage instead of full coverage.
Add more safety features. Consider optional features like blind-spot monitoring to lower your risk of a crash and help you save on auto insurance premiums.
Compare quotes. Shopping around and comparing quotes from multiple companies can ensure you find the best coverage and pricing, whether you choose a practical Mazda 3 sedan or a cargo-friendly hatchback.
Compare personalized quotes and find the best insurer for your Mazda 3.
We’ve covered a lot about Mazda 3 insurance, but you probably still have questions. We answer the most common questions drivers have about insuring the compact vehicle below.
No, the Mazda 3 isn’t expensive to insure. The monthly average cost of Mazda 3 insurance is $156, according to Compare.com data. By comparison, the national average for all vehicles is $163 per month.
USAA offers the cheapest average monthly rate for Mazda 3 drivers, at $82, according to our data. But the company sells policies only to members of the military community. If you don’t qualify for USAA coverage, State Farm and Allstate also offer cheaper rates, averaging $91 and $116 per month, respectively.
Insuring a 2025 Mazda 3 costs an average of $188 per month, according to our data. Full-coverage policies for the 2025 model average $242 per month, while liability-only coverage averages $135 per month.
The MX-5 Miata is the most affordable Mazda model to insure, with an average monthly cost of $135, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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