In this review, we’ve pulled sample quotes for the base 2019 Mazda 3. Keep in mind that higher-end models, such as the Mazda 3 Preferred or Mazda 3 Sport, may have higher average prices. Car insurance rates depend on several factors, including the average likelihood of accidents and repair costs for your car, as well as personal factors such as your driving history and the types of coverage you choose.
How much does Mazda 3 insurance cost?
The average American driver pays $1,674 annually for full car insurance coverage (based on a 2019 Toyota Camry). In addition to other factors, the make and model of your vehicle has a significant impact on the average cost of car insurance. Additionally, prices for the same make and model will vary based on the insurance company you choose. Here are some of the factors that affect the cost of Mazda 3 car insurance:
- Breakdown stats: Mazda 3s are generally considered very safe vehicles. The 2019 base model, equipped with frontal collision prevention, has been awarded the “Top Safety Pick” badge from the Insurance Institute for Highway Safety (IIHS). The car has good crash prevention ratings in most categories.
- Pieces Price: In general, the price of Mazda 3 parts is very cheap and most of the parts do not need to be imported from abroad. This helps keep the cost of insurance low.
- Safety Features: In the 2019 Mazda 3 you’ll find safety features like blind spot monitoring, rear cross traffic alerts, lane departure warnings, lane assist, adaptive front lighting and more.
Mazda 3 car insurance
On average, insurance on a Mazda 3 costs $1,668 per year for full coverage and $494 per year for minimum coverage. However, prices are set individually based on the unique circumstances of each driver. The only way to know how much you’ll pay is to get a custom quote. These quotes can help you better understand what you might pay for Mazda 3 insurance.
|Mazda 3 car insurance||Average annual premium|
The cost of Mazda 3 car insurance is slightly cheaper than the average US National Insurance premium of $1,674. Some of the variables that affect the cost of insurance are the vehicle’s advanced safety features, the inexpensive cost of parts and repairs, and the relatively low MSRP. Mazda 3 also has fewer theft accidents compared to other vehicles.
The cheapest Mazda 3s car insurance companies
Some of the best auto insurance companies to insure your Mazda 3 are Amica, Erie, Geico, State Farm, and USAA. These providers are highly rated and hold a significant portion of the total market share in the industry. As you can see, every company offers slightly different prices for Mazda 3 insurance.
Based on our research, the cheapest Mazda 3 insurance provider is USAA, but depending on your profile and circumstances, it may not be the cheapest company for you. When shopping for Mazda 3 insurance, it’s a good idea to get quotes from a few different companies to see which one is most expensive for you.
Average annual premium for full coverage by model
Mazda 3 features that affect insurance costs
Vehicle specific features — including make, model, parts package, and optional extras — affect how much you’ll pay for car insurance. For example, insurance for safe vehicles is usually cheaper than for cars that lack basic safety equipment. This is because many advanced safety features can reduce the chance of an accident as well as reduce the severity of a crash. Here are some of the Mazda 3 features that affect the cost of car insurance:
- Blind spot monitoring: The Mazda 3’s Blind Spot Monitor uses sensors to detect if objects, fast-moving vehicles or pedestrians have entered the vehicle’s blind spots, and notifies the driver of lights and sounds.
- Lane departure warnings: With Lane Departure Warning, the driver is alerted when the vehicle inadvertently deviates from a lane when traveling more than 37 mph.
- Advanced Smart City Brake Support: This system is designed to be used when driving in the city or at slow speeds in the parking lot. It uses a front camera to detect vehicles and pedestrians, and if a collision is expected, it automatically applies the brakes.
- Luxurious interior features: While Mazda is a premium brand rather than a luxury brand, the Mazda 3’s interior looks different. From the standard digital speedometer to the optional display, the Mazda 3’s interior feels sophisticated. These premium features can increase the cost of car insurance by making the car more expensive to repair or replace.
Other car insurance coverage for Mazda 3
In most states, car insurance is a legal requirement. A car insurance policy generally includes minimal coverage liability coverage, and may also include uninsured driver coverage, uninsured driver coverage, medical payments coverage or Personal Injury Protection (PIP) coverage depending on the laws of your state. However, there are other coverage options available beyond the minimum coverage that can be beneficial to Mazda 3 owners.
Insurance professionals generally recommend that most drivers buy above minimum government liability limits for more financial protection. You may also want to upgrade to a full coverage policy, which includes liability insurance, as well as collision and comprehensive coverage. If you rent or finance a Mazda 3, you may be required to carry full coverage as a condition of financing. If your car is financed, you may also want to consider gap insurance, which helps you pay off the outstanding loan balance if your car is totaled or stolen.
Other affirmations to consider are accident tolerance, which may help prevent your insurance premium from increasing after the first accident. If you have aftermarket parts installed on your Mazda 3, some insurance companies offer custom parts support, which can pay to repair or replace custom equipment, such as the rims, stereo system, or grille.
Bankrate uses Quad Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states, Washington, DC quoted rates are based on a 40-year-old driver with a clean driving history, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 for bodily injury liability for each accident
- $50,000 for property damage liability for each accident
- $100,000 Uninsured Motorist Injury Per Person
- $300,000 in injury to an uninsured motorist for each accident
- $500 collision deduction
- $500 for all-inclusive discount
To set minimum coverage limits, Bankrate used the minimum coverage that meets each state’s requirements. Our base coil drivers own a 2019 Mazda 3, commute five days a week and drive 12,000 miles a year.
These are sample rates and should only be used for comparison purposes.