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The average cost of auto insurance in the United States is $ 1,674 per year for a full coverage policy, based on a 2019 Toyota Camry. Auto insurance premiums are personalized based on a number of factors. different, such as your age and credit rating, as well as the make and model of your vehicle.
If you own a Mazda 3, the average auto insurance premium is slightly lower than average. The average annual premium for a Mazda 3 is $ 1,668 for full coverage insurance, according to Bankrate’s 2021 survey of annual listed premiums.
In this review, we have extracted sample quotes for the base 2019 Mazda 3 model. Keep in mind that higher end models, like the Mazda 3 Preferred or the Mazda 3 Sport, might have higher average prices. .
How much does it cost to insure a Mazda 3?
The average American driver pays $ 1,674 per year for full coverage auto insurance (based on a 2019 Toyota Camry). In addition to other factors, the make and model of your vehicle have a big impact on the average cost of auto insurance. Plus, 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 auto insurance:
- Crash rate statistics: Mazda 3s are very safe vehicles. The 2019 base model equipped with Front Collision Prevention received the Insurance Institute for Highway Safety (IIHS) “Best Safety Pick†badge. The car has good marks in most categories for accident prevention.
- Parts price: All in all, the price of spare parts for Mazda 3 is quite cheap and most of the parts do not need to be imported from abroad. 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 alerts, lane departure warnings, lane assist, adaptive front lighting and more.
Auto insurance for a Mazda 3
On average, auto 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 the unique circumstances of each driver. The only way to know how much you will pay is to get a personalized quote. These rates can help you get a better idea of ​​what you could be paying for Mazda 3 insurance.
| Mazda 3 auto 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 impact the cost of insurance are the vehicle’s advanced safety features, low cost of parts and repairs, and a relatively low MSRP. The Mazda 3 also has fewer theft incidents compared to other vehicles.
The cheapest auto insurance companies for Mazda 3
Some of the best auto insurance companies for Mazda 3 insurance are Amica, Erie, Geico, State Farm, and USAA. These vendors are highly rated and hold a significant share of the total industry market share. As you can see, each company offers slightly different rates for Mazda 3 insurance.
Based on our sample quotes, the cheapest Mazda 3 insurance provider is USAA, but depending on your personal profile and situation, it might not be the cheapest company for everything. the world. When shopping for Mazda 3 insurance, it’s a good idea to get sample quotes from a few different companies to see which one is the most affordable for you.
Average annual premium for full coverage per model
Features of the Mazda 3 that impact insurance costs
Safe vehicles are generally cheaper to insure than cars without basic safety equipment. This is because there are many advanced safety features that can reduce the risk of an accident and also reduce the severity of the accident. Here are some of the features of the Mazda 3 that impact the cost of auto insurance:
- Monitoring of blind spots: The Mazda 3’s Blind Spot Monitor uses sensors to detect when objects, fast vehicles, or pedestrians enter vehicle blind spots, and warns the driver with lights and sounds.
- Lane Departure Warning: With the Lane Departure Warning system, the driver is alerted when the vehicle unintentionally leaves a lane when traveling over 37 mph.
- Smart City Brake Advanced Assistance: This system is designed for use when driving in town or at low speed in a parking lot. It uses a front-facing camera to detect vehicles and pedestrians, and if a collision is predicted, it will automatically apply the brakes.
Other auto insurance coverage for a Mazda 3
In most states, auto insurance is a legal requirement. A minimum coverage auto insurance policy includes liability insurance, as well as personal injury protection (PIP) if you live in a no-fault state. However, there are other policies available beyond the minimum coverage that may be of benefit to Mazda 3 owners.
Insurance companies recommend that most drivers switch to a comprehensive coverage policy, which includes liability insurance, as well as collision, comprehensive, and medical coverage. If you are leasing or financing your Mazda 3, gap insurance can come in handy, which helps you pay off your outstanding loan balance if your car is totaled.
Other endorsements to consider are the accident discount, which will 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 rider, which will pay to repair or replace custom equipment, such as rims, a stereo system, or a grille.
Methodology
Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record, credit and the following comprehensive coverage limits:
- Liability for bodily injury of $ 100,000 per person
- $ 300,000 in civil liability for bodily injury per accident
- Civil liability for property damage of $ 50,000 per accident
- $ 100,000 in bodily injury caused by an uninsured motorist per person
- $ 300,000 in uninsured bodily injury per accident to a motorist
- $ 500 collision deductible
- Global deductible of $ 500
To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our basic profile drivers own a 2019 Mazda 3, commute five days a week and cover 12,000 miles a year.
These are sample rates and should only be used for comparison purposes.
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