Are you considering insuring your Mazda 3 Sedan in 2025 and wondering how much it might cost? You’re in the right place. Car insurance rates for the Mazda 3 Sedan can vary widely based on factors such as your location, driving history, and vehicle model year.
The average annual cost to insure a 2023 Mazda 3 Sedan is $2,358. However, this rate can vary depending on the model year. For example, a 2021 3 Sedan might cost around $2,231 annually, while a 2018 model could be more affordable at $1,959 per year.
In this guide, we’ll explore the costs and offer tips on securing the best insurance rates for your Mazda 3 Sedan.
What is the cost to insure your Mazda 3 Sedan in 2025?
On average, insuring a Mazda 3 Sedan costs $204 per month – or $2,443 annually – for a full coverage policy. However, your actual cost may differ depending on factors such as your age, where you live, your driving history and the insurance company you choose.
Your rates may be higher if you’re a young driver or have a history of accidents. On the other hand, experienced drivers with a clean driving record might pay lower premiums for the same policy. Other factors, such as your state and ZIP code, also influence premiums. Insurance costs also vary by state and ZIP code.
Use the tool below to know car insurance costs based on your state and the car’s make and model.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Mazda 3 Sedan
Geico provides the most affordable car insurance for your Mazda 3 Sedan, with an average annual rate of $1,888, or $157 per month, according to CarInsurance.com’s analysis.
The table below shows which insurance companies offer the best rates for your Mazda 3 Sedan.
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Geico | $1,888 | $944 | $157 |
| State Farm | $2,111 | $1,055 | $176 |
| Progressive | $2,165 | $1,083 | $180 |
| Nationwide | $2,239 | $1,120 | $187 |
| Allstate | $3,131 | $1,565 | $261 |
| Farmers | $3,324 | $1,662 | $277 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Mazda 3 Sedan car insurance rates by model year
Insurance premiums are typically higher for newer vehicles because of their high market value and pricey repairs. For instance, a 2023 Mazda 3 Sedan generally has a higher insurance premium than a 2019 model. Besides, older models might not include the latest safety features, which can also influence their insurance costs.
Below is a breakdown of the average annual insurance premiums for different model years of the Mazda 3 Sedan, offering insight into how a vehicle’s age impacts its insurance rates.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,726 | $863 | $144 |
| 2015 | $1,788 | $894 | $149 |
| 2016 | $1,863 | $932 | $155 |
| 2017 | $1,898 | $949 | $158 |
| 2018 | $1,959 | $980 | $163 |
| 2019 | $2,106 | $1,053 | $175 |
| 2020 | $2,155 | $1,077 | $180 |
| 2021 | $2,231 | $1,115 | $186 |
| 2022 | $2,303 | $1,151 | $192 |
| 2023 | $2,358 | $1,179 | $196 |
Speak with a friendly agent and get your quote in minutes!
Mazda 3 Sedan car insurance rates for different trims
When it comes to insuring a Mazda 3 Sedan, the trim level can significantly influence the insurance rates. Different trims come with various features, safety equipment and price points, which contribute to the insurance cost.
For instance, higher-end trims, such as the Mazda3 2.5 Turbo Premium Plus, equipped with advanced technologies, usually have higher insurance rates due to increased repair and replacement costs.
The table below shows the average annual insurance premiums for various trims of the Mazda 3 Sedan.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Mazda3 2.5 Carbon Turbo | $2,381 | $1,191 | $198 |
| Mazda3 2.5 S | $2,382 | $1,191 | $199 |
| Mazda3 2.5 S Select Sport | $2,385 | $1,193 | $199 |
| Mazda3 2.5 S Preferred | $2,394 | $1,197 | $200 |
| Mazda3 2.5 S Carbon Edition | $2,441 | $1,220 | $203 |
| Mazda3 2.5 Turbo Premium Plus | $2,575 | $1,288 | $215 |
Mazda 3 Sedan insurance rates: State-by-state breakdown
Insurance costs for a Mazda 3 Sedan vary widely between states. State laws, average repair expenses and the likelihood of car theft or accidents are all key factors that affect these rates.
Below, you’ll find car insurance rates for the Mazda 3 Sedan in different states.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,271 | $1,135 | $189 |
| Alabama | $2,317 | $1,158 | $193 |
| Arkansas | $2,555 | $1,277 | $213 |
| Arizona | $2,413 | $1,206 | $201 |
| California | $3,161 | $1,580 | $263 |
| Colorado | $3,244 | $1,622 | $270 |
| Connecticut | $2,576 | $1,288 | $215 |
| Washington, D.C. | $2,807 | $1,404 | $234 |
| Delaware | $2,371 | $1,186 | $198 |
| Florida | $2,938 | $1,469 | $245 |
| Georgia | $3,282 | $1,641 | $273 |
| Hawaii | $1,633 | $817 | $136 |
| Iowa | $2,072 | $1,036 | $173 |
| Idaho | $1,674 | $837 | $140 |
| Illinois | $2,559 | $1,279 | $213 |
| Indiana | $2,250 | $1,125 | $187 |
| Kansas | $2,507 | $1,254 | $209 |
| Kentucky | $2,709 | $1,355 | $226 |
| Louisiana | $3,909 | $1,955 | $326 |
| Massachusetts | $2,026 | $1,013 | $169 |
| Maryland | $2,244 | $1,122 | $187 |
| Maine | $1,682 | $841 | $140 |
| Michigan | $3,393 | $1,696 | $283 |
| Minnesota | $2,716 | $1,358 | $226 |
| Missouri | $3,044 | $1,522 | $254 |
| Mississippi | $2,256 | $1,128 | $188 |
| Montana | $2,467 | $1,234 | $206 |
| North Carolina | $2,103 | $1,051 | $175 |
| North Dakota | $2,210 | $1,105 | $184 |
| Nebraska | $2,650 | $1,325 | $221 |
| New Hampshire | $1,756 | $878 | $146 |
| New Jersey | $2,362 | $1,181 | $197 |
| New Mexico | $2,574 | $1,287 | $215 |
| Nevada | $2,375 | $1,187 | $198 |
| New York | $1,685 | $843 | $140 |
| Ohio | $1,767 | $883 | $147 |
| Oklahoma | $2,669 | $1,335 | $222 |
| Oregon | $2,359 | $1,179 | $197 |
| Pennsylvania | $2,563 | $1,282 | $214 |
| Rhode Island | $2,950 | $1,475 | $246 |
| South Carolina | $2,304 | $1,152 | $192 |
| South Dakota | $2,907 | $1,454 | $242 |
| Tennessee | $2,690 | $1,345 | $224 |
| Texas | $3,251 | $1,626 | $271 |
| Utah | $2,092 | $1,046 | $174 |
| Virginia | $1,743 | $872 | $145 |
| Vermont | $1,718 | $859 | $143 |
| Washington | $2,277 | $1,138 | $190 |
| Wisconsin | $1,849 | $924 | $154 |
| West Virginia | $2,336 | $1,168 | $195 |
| Wyoming | $2,339 | $1,170 | $195 |
How your age impacts Mazda 3 Sedan insurance rates
Younger drivers, especially those under 25, pay higher rates due to their inexperience and higher accident risk. Insurance rates typically decrease as drivers get older and gain more experience but may rise again for senior drivers due to age-related factors.
In 2022, the National Highway Traffic Safety Administration (NHTSA) reported that 2,034 drivers aged 15 to 20 died in traffic crashes.
The table below shows the average annual insurance rates by age group.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $9,148 | $4,574 | $762 |
| Adults | $2,443 | $1,222 | $204 |
The bottom line
Knowing how much it costs to insure your Mazda 3 Sedan is key to managing your expenses. Insurance costs can change depending on the car’s model year, trim, age and state of residence.
To save on insurance, try keeping a clean driving record, taking advantage of discounts and reviewing your policy every renewal period. This will help you get the right coverage at an affordable price.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” August 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs
