Mazda 3 Car Insurance Quotes (2026)
The overall average cost of car insurance for a Mazda 3 is $142 per month.
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Writer: Jess UllrichFreelance Insurance Writer
Writer: Jess UllrichFreelance Insurance Writer
Qualifications:
10+ years in personal finance writing and editing
Investopedia, Wall Street Journal, and The HuffPost
Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.
Jess has been a contributor at Insurify since September 2022, and has written hundreds of empowering, informative articles on insurance topics.
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Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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On average, Mazda 3 owners pay $99 per month for liability coverage and $186 for full-coverage insurance.
A 2025 Mazda 3 has a starting manufacturer’s suggested retail price (MSRP) of $24,150, but the vehicle can cost as much as $36,595 depending on the selected vehicle trim.[1] The Mazda 3 ranks No. 15 on Kelley Blue Book’s (KBB) list of best sedans in 2025, behind vehicles like the Honda Accord, Toyota Camry, Hyundai Elantra, and more.[2]
Here’s a detailed look at car insurance costs by model year and state for the Mazda 3.
Quick Facts
The overall average monthly cost of car insurance for a Mazda vehicle is $138, which is a bit lower than the cost to insure a Mazda 3.
USAA, GEICO, and State Farm have the cheapest car insurance costs for Mazda 3 models, on average.
Average premiums for the Mazda 3 are lower than costs for comparable sedans, including the Honda Civic, Toyota Corolla, and Hyundai Elantra.
Cost of Mazda 3 insurance by model year
On average, Mazda 3 drivers pay $99 per month for liability coverage and $186 for full-coverage insurance. USAA offers the cheapest coverage for Mazda 3 drivers, with an average rate of $95 per month for full coverage and $46 for liability insurance, according to Insurify data.
Your vehicle model year will influence how much you pay for car insurance. It generally costs more to insure a newer model year vehicle than one that’s several years old.[3]
Below, you can compare average insurance costs by model year for the Mazda 3.
Model Year | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| 2025 | $142 | $267 |
| 2024 | $141 | $265 |
| 2023 | $130 | $245 |
| 2022 | $123 | $231 |
| 2021 | $126 | $238 |
| 2020 | $130 | $245 |
| 2019 | $118 | $223 |
| 2018 | $107 | $201 |
| 2017 | $103 | $193 |
| 2016 | $104 | $195 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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2025 Mazda 3 insurance
The MSRP for a 2025 Mazda 3 ranges from $24,150 to $36,595, depending on the features you select. The vehicle has up to 250 horsepower, available all-wheel drive, and unique safety technology.
Here’s what drivers pay to insure a 2025 Mazda 3, on average.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| USAA | $70 | $134 |
| State Farm | $82 | $160 |
| Allstate | $91 | $179 |
| GEICO | $102 | $198 |
| American Family | $105 | $206 |
| Nationwide | $129 | $246 |
| Travelers | $136 | $259 |
| Progressive | $151 | $211 |
| Farmers | $162 | $312 |
| Liberty Mutual | $258 | $339 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2024 Mazda 3 insurance
The 2024 Mazda 3 had a starting MSRP of $24,170. That said, a used model will likely have a lower price tag. Here’s a look at average monthly quotes from different insurance companies.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| USAA | $69 | $133 |
| State Farm | $82 | $159 |
| Allstate | $90 | $178 |
| GEICO | $102 | $196 |
| American Family | $104 | $204 |
| Nationwide | $128 | $244 |
| Travelers | $135 | $257 |
| Progressive | $149 | $209 |
| Farmers | $161 | $310 |
| Liberty Mutual | $257 | $337 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2023 Mazda 3 insurance
The 2023 Mazda 3’s original MSRP ranged from $22,550 to $32,450. You’ll likely pay less for used models, though the 2023 hasn’t had much time to depreciate. The KBB Fair Purchase Price starts at $20,345.
Compare average car insurance costs for the 2023 Mazda 3 from top insurance companies below.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| USAA | $64 | $123 |
| State Farm | $75 | $147 |
| Allstate | $83 | $164 |
| GEICO | $94 | $181 |
| American Family | $96 | $189 |
| Nationwide | $118 | $225 |
| Travelers | $125 | $238 |
| Progressive | $138 | $194 |
| Farmers | $148 | $287 |
| Liberty Mutual | $237 | $311 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2022 Mazda 3 insurance
The original MSRP for a 2022 Mazda 3 ranged from $21,865 to $35,465. KBB Fair Purchase Prices for this model now range from $18,470 to $27,849.
Here are the average car insurance rates for 2022 Mazda 3s.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| USAA | $60 | $116 |
| State Farm | $71 | $139 |
| Allstate | $79 | $155 |
| GEICO | $89 | $171 |
| American Family | $91 | $178 |
| Nationwide | $112 | $213 |
| Travelers | $118 | $224 |
| Progressive | $130 | $182 |
| Farmers | $140 | $270 |
| Liberty Mutual | $224 | $293 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2021 Mazda 3 insurance
Used 2021 Mazda 3s cost an average of $15,335, but the vehicle model has an original MSRP of $21,645, per KBB. Below, you can compare average monthly insurance rates for this model from several insurance companies.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| USAA | $62 | $119 |
| State Farm | $73 | $143 |
| Allstate | $81 | $159 |
| GEICO | $91 | $176 |
| American Family | $93 | $183 |
| Nationwide | $115 | $219 |
| Travelers | $121 | $231 |
| Progressive | $134 | $188 |
| Farmers | $144 | $278 |
| Liberty Mutual | $229 | $302 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2020 Mazda 3 insurance
The 2020 Mazda 3 had an original MSRP of $22,445, though used models now cost an average of $15,053, according to KBB. Opting for an older vehicle model can reduce insurance costs in some cases.
Here’s a look at average rates for 2020 Mazda 3s.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| USAA | $64 | $123 |
| State Farm | $75 | $147 |
| Allstate | $83 | $164 |
| GEICO | $94 | $181 |
| American Family | $96 | $189 |
| Nationwide | $118 | $225 |
| Travelers | $125 | $238 |
| Progressive | $138 | $194 |
| Farmers | $148 | $287 |
| Liberty Mutual | $237 | $311 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2019 Mazda 3 insurance
The starting MSRP for a 2019 Mazda 3 ranged from $21,920 to $28,420. The current KBB Fair Purchase Price for the 2019 model ranges from $13,952 to $19,458.
Compare average insurance costs for this model below.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| USAA | $58 | $112 |
| State Farm | $68 | $134 |
| Allstate | $76 | $149 |
| GEICO | $85 | $165 |
| American Family | $87 | $172 |
| Nationwide | $107 | $205 |
| Travelers | $113 | $216 |
| Progressive | $125 | $176 |
| Farmers | $135 | $261 |
| Liberty Mutual | $215 | $283 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2018 Mazda 3 insurance
The 2018 Mazda 3 had starting MSRPs ranging from $20,020 to $26,220, according to KBB. You’ll likely pay much less for a used model.
Compare average monthly car insurance quotes from popular insurance companies for this model below.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| USAA | $52 | $101 |
| State Farm | $62 | $121 |
| Allstate | $68 | $135 |
| GEICO | $77 | $149 |
| American Family | $79 | $155 |
| Nationwide | $97 | $185 |
| Travelers | $103 | $195 |
| Progressive | $113 | $159 |
| Farmers | $122 | $235 |
| Liberty Mutual | $195 | $255 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2017 Mazda 3 insurance
The starting MSRP for a 2017 Mazda 3 was $19,770, though a used model is now worth around $10,000, according to KBB.
Below, you can compare average costs to insure a 2017 Mazda 3 from different car insurance companies.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| USAA | $50 | $97 |
| State Farm | $60 | $116 |
| Allstate | $66 | $129 |
| GEICO | $74 | $143 |
| American Family | $76 | $149 |
| Nationwide | $94 | $178 |
| Travelers | $99 | $187 |
| Progressive | $109 | $152 |
| Farmers | $117 | $226 |
| Liberty Mutual | $187 | $245 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2016 Mazda 3 insurance
The 2016 Mazda 3’s MSRP was $19,380 when the carmaker introduced it to the market, though its current estimated value is less than $10,000, according to KBB. Insurance for an older Mazda 3 model typically costs less than premiums for newer models.
You can compare average insurance costs for drivers with a 2016 Mazda 3 below.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| USAA | $51 | $98 |
| State Farm | $60 | $117 |
| Allstate | $67 | $131 |
| GEICO | $75 | $144 |
| American Family | $77 | $150 |
| Nationwide | $95 | $179 |
| Travelers | $100 | $189 |
| Progressive | $110 | $154 |
| Farmers | $119 | $228 |
| Liberty Mutual | $189 | $248 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Average cost of Mazda insurance by state
Insurance rates for your new Mazda 3 will depend on your state and ZIP code. Drivers in some locations will pay significantly less for insurance than drivers elsewhere due to location-based risk factors. For example, drivers in coastal states may pay higher premiums than drivers in more inland states.
Below, you can compare average car insurance costs by state for the Mazda 3. Alaska and Hawaii are not included due to lack of data.
Full-Coverage Rates by State
State | Average Monthly Quote |
|---|---|
| Alabama | $131 |
| Arkansas | $236 |
| Arizona | $160 |
| California | $222 |
| Colorado | $203 |
| Connecticut | $309 |
| Delaware | $227 |
| Florida | $212 |
| Georgia | $230 |
| Iowa | $112 |
| Idaho | $115 |
| Illinois | $157 |
| Indiana | $133 |
| Kansas | $152 |
| Kentucky | $200 |
| Louisiana | $204 |
| Massachusetts | $164 |
| Maryland | $312 |
| Maine | $139 |
| Michigan | $255 |
| Minnesota | $180 |
| Missouri | $178 |
| Mississippi | $191 |
| Montana | $153 |
| North Carolina | $86 |
| North Dakota | $127 |
| Nebraska | $161 |
| New Hampshire | $104 |
| New Jersey | $164 |
| New Mexico | $146 |
| Nevada | $259 |
| New York | $434 |
| Ohio | $119 |
| Oklahoma | $164 |
| Oregon | $148 |
| Pennsylvania | $159 |
| Rhode Island | $136 |
| South Carolina | $249 |
| South Dakota | $119 |
| Tennessee | $138 |
| Texas | $218 |
| Utah | $169 |
| Virginia | $177 |
| Vermont | $140 |
| Washington | $147 |
| District of Columbia | $317 |
| Wisconsin | $122 |
| West Virginia | $144 |
| Wyoming | $110 |
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How to ensure you have enough coverage on your Mazda 3
Whether you’re buying a new or used vehicle, having enough coverage to protect yourself and your finances is important.
You can learn more about essential coverages to consider below.
Liability coverage
Bodily injury liability protects third parties, such as other drivers and their passengers, if you’re responsible for an accident. Property damage liability covers repairs to another person’s property if you caused the damage. Liability-only insurance offers basic protection, but it may not be enough to protect your vehicle.
Full coverage
Not a specific coverage type, full-coverage insurance includes several coverages, including liability coverage, comprehensive coverage, and collision coverage.
Comprehensive coverage
Comprehensive insurance kicks in if something outside of your control — such as vandalism, fire, or severe weather — damages your car.
Collision coverage
Collision insurance pays for damage to your car after a motor vehicle accident, no matter who’s responsible for the crash.[4]
Personal injury protection (PIP) coverage
PIP coverage can pay for medical bills or lost wages after a crash for you and your passengers. Some states require this coverage.
Medical payments (MedPay) coverage
Similar to PIP insurance, MedPay can cover medical expenses following an accident. This coverage is optional in most states, though a few states require it.
Gap coverage
If you have an auto loan or lease, gap insurance can cover the gap between what your insurance will cover and what you still owe your lender following vehicle theft or total loss.
Mazda 3 car insurance FAQs
The following information can help answer your remaining questions about Mazda 3 car insurance.
Which company has the cheapest Mazda 3 insurance?
USAA offers the cheapest Mazda 3 insurance, with average monthly rates of $46 for liability-only insurance and $95 for full-coverage insurance. GEICO, State Farm, and Allstate are a few more affordable companies to consider.
Are Mazda 3s expensive to insure?
Mazda 3s are midsize sedans, which are generally affordable to insure. But your insurance rates will vary depending on your driving history, location, gender, age, and other factors.
How much does it cost to insure a Mazda 3?
On average, insuring a Mazda 3 costs an average of $186 per month for full-coverage insurance and $99 per month for liability-only coverage. Your car insurance costs will vary depending on your coverage details, driving record, and more.
Are Mazda 3s cheap vehicles to maintain?
Mazda 3s are midsize sedans, which are typically fairly affordable to maintain. But Insurify doesn’t have estimated maintenance costs for vehicle types.
Sources
- Mazda. "2025 Mazda 3 Sedan."
- Kelley Blue Book. "Best Sedans of 2025."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "What is covered by a basic auto insurance policy?."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Writer: Jess UllrichFreelance Insurance Writer
Writer: Jess UllrichFreelance Insurance Writer
Qualifications:
10+ years in personal finance writing and editing
Investopedia, Wall Street Journal, and The HuffPost
Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.
Jess has been a contributor at Insurify since September 2022, and has written hundreds of empowering, informative articles on insurance topics.
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.