The average cost of car insurance in the United States is $1,674 per year for a full coverage policy, based on a 2019 Toyota Camry. If you own a Mazda 3, the average car insurance premium is slightly lower . The average annual premium for a Mazda 3 is $1,668 for fully insured, according to Bankrate’s 2022 quoted annual premium study.
In this review, we’ve pulled sample quotes for the base model 2019 Mazda 3. Keep in mind that higher-end models, like the Mazda 3 Preferred or Mazda 3 Sport, may have higher average rates. . Car insurance rates are based on several factors, including the average probability of accidents and the cost of repairing your vehicle, 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 per year for comprehensive auto insurance (based on a 2019 Toyota Camry). In addition to other factors, the Brand and model of your vehicle has a significant impact on average car insurance price. Also, rates for the same make and model vary depending on the insurance company you choose. Here are some of the factors that affect the cost of Mazda 3 car insurance:
- Crash rate statistics: Mazda 3s are generally very safe vehicles. The 2019 base model, equipped with frontal collision prevention, received the “Top Safety Pick” badge from the Insurance Institute for Highway Safety (IIHS). The car has good marks in most categories for accident prevention.
- Parts prices: Overall, the spare parts price for Mazda 3 is quite cheap, and most of the parts don’t need to be imported from overseas. This keeps the cost of insurance low.
- Safety devices: On the 2019 Mazda 3, you’ll find safety features like Blind Spot Monitoring, Rear Cross Traffic Alert, Lane Departure Warning, Lane Assist, Adaptive Front Lighting and more.
Car insurance for a Mazda 3
On average, car insurance for a Mazda 3 costs $1,668 per year for full coverage and $494 per year for minimum coverage. However, rates are individualized based on each driver’s unique circumstances. The only way to know how much you’ll pay is to get a custom quote. These rates can help you get a better idea of what you might pay for Mazda 3 insurance.
| Mazda 3 car insurance | Average annual premium |
|---|---|
| Minimum coverage | $494 |
| Full coverage | $1,668 |
The cost of Mazda 3 auto insurance is only slightly cheaper than the US national average premium of $1,674. Some of the variables that affect the cost of insurance are the vehicle’s advanced safety features, low cost of parts and repairs, and relatively low MSRP. The Mazda 3 also has fewer theft incidents compared to other vehicles.
Cheapest car insurance companies for Mazda 3s
Some best car insurance companies for Mazda 3 insurance are Amica, Erie, Geico, State Farm and USAA. These vendors are highly rated and hold a significant portion of the total industry market share. As you can see, each company offers slightly varying rates for Mazda 3 insurance.
Based on our research, the cheapest provider for Mazda 3 insurance is USAA, but depending on your personal 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 several different companies to see which is the most affordable for you.
Average annual premium for full coverage per model
Mazda 3 Features That Impact Insurance Costs
A vehicle’s specific features — including make, model, trim package, and optional extras — affect how much you’ll pay for car insurance. For example, safe vehicles are generally cheaper to insure than cars without basic safety equipment. Indeed, many advanced safety features can reduce the risk of an accident and also reduce the severity of the accident. Here are some of the Mazda 3 features that impact the cost of car insurance:
- Blind spot monitoring: The Mazda 3’s Blind Spot Monitor uses sensors to detect when objects, fast-moving vehicles or pedestrians enter the vehicle’s blind spots and alerts the driver with lights and sounds.
- Lane Departure Warnings: With the Lane Departure Warning system, the driver is alerted when the vehicle unintentionally drifts out of a lane when traveling over 37 mph.
- Advanced Smart City Braking support: This system is designed for use when driving in town or at low speeds in a parking lot. It uses a front camera to detect vehicles and pedestrians, and if a collision is predicted, it will automatically apply the brakes.
- Luxury interior features: Although Mazda is considered a premium brand and not a luxury brand, the interior of the Mazda 3 is just begging to be different. From the standard digital speedometer to the optional head-up display, the interior of the Mazda 3 is top of the line. These premium features can increase the cost of auto insurance by making the vehicle more expensive to repair or replace.
Other auto insurance coverage for a Mazda 3
In most states, auto insurance is a legal requirement. A minimum coverage auto insurance policy typically includes Liability coverageand may also include uninsured motorist coverage, underinsured motorist coverage, medical payment coverage, or personal injury protection (PIP) according to the laws of your state. However, there are other coverage options available beyond the minimum coverage that could benefit Mazda 3 owners.
Insurance professionals generally recommend that most drivers buy more than the state’s minimum liability limits for better financial protection. You might even want to switch to a full coverage policy, which includes liability insurance, as well as collision and comprehensive coverage. If you lease or finance your Mazda 3, you will likely need to purchase comprehensive coverage as a condition of your financing. If your vehicle is financed, you may also consider insurance gapwhich helps you pay off your outstanding loan balance if your car is destroyed or stolen.
Other endorsements to consider are accident forgiveness, which can help prevent your premium from increasing after your first accident. If you have aftermarket parts installed in your Mazda 3, some insurance companies offer a custom parts endorsement, which could pay to repair or replace custom equipment, such as rims, stereo system, or grille.
Methodology
Bankrate uses Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates shown are based on a 40-year-old male and female with a clean driving record , good credit and the following complete coverage limits:
- Civil liability of $100,000 in bodily injury per person
- Civil liability of $300,000 in bodily injury per accident
- Civil liability of $50,000 in property damage per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 aggregate deductible
To determine minimum coverage limits, Bankrate has used a minimum coverage that meets each state’s requirements. Our basic profile drivers own a 2019 Mazda 3, commute five days a week and drive 12,000 miles a year.
These are sampling rates and should only be used for comparison purposes.
