No two people pay exactly the same amount for car insurance. Rates vary from one company to the next, and premiums tend to be higher in some states than others. Some of the factors behind premiums are completely outside of a driver’s control, such as age and gender. Others are within the driver’s sphere of influence, including driving history, credit score and type of vehicle being driven.

If you already have a car, you may be resigned to paying whatever insurance costs for that make and model. If you’re looking to buy a new car, however, it’s worth estimating the cost of insuring your potential new vehicle. Insurance is an ongoing bill that will contribute to the car’s ownership costs. If a vehicle is cheap to insure, it will cost less to own over the long term.

Mazda 3 Overview

The Mazda 3 has been built since 2004 and remains a surprisingly luxurious-yet-affordable compact car. Available in multiple trims, there are Mazda 3s to appeal to people of all budgets. The vehicle has also recently pioneered a new type of fuel-saving technology called SkyActive. The four-door sedan seats four and comes equipped with several standard safety features such as:

  • Anti-lock brakes
  • Front, side and overhead airbags
  • Pretensioners in seatbelts to keep passengers restrained during impact
  • Stabilizers to reduce the risk of roll-overs
  • Anti-whiplash head restraints

The vehicle is also equipped with a car alarm and ignition shut-off to prevent theft.

The Mazda 3 has consistently ranked well among major safety ratings. The NHTSA ranks it as five out of five stars, and the IIHS provides top ratings in the majority of categories. Overall, this is one of the safest vehicles of its class.

As a rule, cars wit high safety ratings cost less to insure than other vehicles. This is because drivers and passengers are less likely to be injured in accidents with safe vehicles, meaning insurance companies pay less for these claims.

Additionally, some features like anti-lock brakes reduce the chance of a car being involved in an accident in the first place. All of these features factor into the cost of insuring a vehicle. Coupled with its anti-theft device and overall low cost of replacement and repairs, and the Mazda 3 is well-qualified to be a very affordable vehicle to insure.

How much does car insurance cost for a Mazda 3?

Auto insurance rates vary from one driver to the next, and where you live will play a role in the cost of coverage as well. Based on national averages, insuring a Mazda 3 should cost around $94 per month, or $1,128 per year. Young drivers of people with a bad driving record can expect to pay more than this, sometimes twice as much.

These rates are fairly consistent with other cars of its type and class. The Hyundai Elantra and Ford Fiesta have very similar rates, although the similar Honda Fit costs about $10 less per month to insure. Overall, compact cars tend to cost more to insure than pickup trucks or mid-size SUVs because these cars are more popular. This leads to an overall higher number of accidents each year in these vehicles, which skews the statistics somewhat. Compact-size cars are also popular commuter vehicles, which increases their overall risk.

Depending on the state where you live and your own driving history, your rates may be higher or lower than the average cost presented here. Some people can pay substantially more for insurance due to their driving history, and some states have notoriously high insurance costs.

Regardless of the car you drive, you can reduce the cost of your coverages by taking advantage of discount programs. For example, most insurance companies offer discounts to good students, people with multiple types of policies, and people who take safe driving courses. You can also reduce the insurance cost of your Mazda 3 by adding after-market anti-theft devices, GPS tacking devices or safety features.

If you’re looking at buying a Mazda 3, you should be sure to comparison shop between multiple companies to get an idea of your potential rates before buying the car. This will give you the best idea of what the car will cost to own. Only by getting a personalized quote will you know for sure how your driving record, credit score and other factors will affect your insurance. Once you have obtained this quote, you can decide whether the Mazda 3 is the right car for you or if you’d rather obtain a different vehicle.