Best Mazda CX-3 Auto Insurance in 2024 (Find the Top 10 Companies Here)
Nationwide, Farmers, and Amica offer the best Mazda CX-3 auto insurance with rates as low as $70 per month. Nationwide stands out for its comprehensive coverage, Farmers excels in customer service, and Amica is known for high customer satisfaction, making them the top choices for Mazda CX-3 insurance.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Jul 30, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 30, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Full Coverage for Mazda CX-3
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage for Mazda CX-3
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage for Mazda CX-3
A.M. Best Rating
Complaint Level
Pros & Cons
The top pick overall for the best Mazda CX-3 auto insurance are Nationwide, Farmers, and Amica. Nationwide offers the best comprehensive coverage, while Farmers excels in customer service, and Amica ranks high in customer satisfaction.
With average rates of $70 per month, these providers offer the most competitive and reliable options. This article explores how these companies stand out based on multiple factors, helping you make an informed decision. Browse our guide titled “Minimum Auto Insurance Requirements by State.”
Our Top 10 Company Picks: Best Mazda CX-3 Auto Insurance
Company | Rank | Multi-Vehicle Discount | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | 20% | A+ | Wide Coverage | Nationwide | |
#2 | 20% | A | Customer Service | Farmers | |
#3 | 25% | A+ | High Satisfaction | Amica | |
#4 | 20% | A | Family Discounts | American Family | |
#5 | 25% | A | Membership Benefits | AAA | |
#6 | 25% | A | Flexible Policies | Liberty Mutual | |
#7 | 12% | A+ | Competitive Rates | Progressive | |
#8 | 25% | A++ | Affordable Rates | Geico | |
#9 | 10% | A++ | Strong Reputation | Auto-Owners | |
#10 | 10% | A+ | Comprehensive Coverage | Erie |
Explore Mazda CX-3 insurance rates for full coverage and minimum coverage. Learn more about how you save more on Mazda CX-3 insurance rates in our vehicle guide.
If you’re just looking for coverage to drive legally, enter your ZIP code above to compare cheap auto insurance quotes near you.
- Get the best Mazda CX-3 auto insurance providers with rates at $70/month
- Nationwide offers the best Mazda CX-3 auto insurance
- Insurance rates are influenced by safety ratings, driver age, and location
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#1 – Nationwide: Top Overall Pick
Pros
- Wide Coverage: Nationwide excels in offering wide coverage options for the Mazda CX-3, ensuring extensive protection.
- Multi-Vehicle Discount: Nationwide auto insurance review provides a 20% discount for insuring multiple vehicles, making it cost-effective for Mazda CX-3 owners.
- Rating: With an A+ rating from A.M. Best, Nationwide is known for its financial stability and reliability.
Cons
- Premium Costs: Despite the discounts, Nationwide’s premiums might still be relatively higher for Mazda CX-3 owners seeking certain coverage levels.
- Limited Availability: Some discounts and coverage options may not be available in all states, affecting Mazda CX-3 owners in specific regions.
#2 – Farmers: Best for Customer Service
Pros
- Exceptional Customer Service: Farmers is renowned for its outstanding customer service, offering personalized assistance to Mazda CX-3 owners.
- Competitive Monthly Rates: Farmers auto insurance review provides affordable monthly rates at $80 for Mazda CX-3 with minimum coverage.
- Multi-Vehicle Discount: With a 20% discount for insuring multiple vehicles, Farmers helps Mazda CX-3 owners save on premiums.
Cons
- Limited Discounts: The range of discounts available through Farmers may not be as extensive as those offered by competitors for Mazda CX-3.
- Premium Increases: Some Mazda CX-3 owners report premium increases upon policy renewal, which can affect long-term affordability.
#3 – Amica: Best for High Satisfaction
Pros
- High Customer Satisfaction: Amica consistently receives high marks for customer satisfaction, ensuring a positive experience for Mazda CX-3 owners.
- Low Monthly Rates: Amica offers competitive monthly rates at $70 for Mazda CX-3 with minimum coverage.
- Multi-Vehicle Discount: Amica auto insurance review provides a 25% discount for insuring multiple vehicles, enhancing savings for Mazda CX-3 owners.
Cons
- Limited Availability: Amica’s services are not available in all states, which may limit access for some Mazda CX-3 owners.
- Higher Premiums for High-Risk Drivers: Mazda CX-3 owners with a less-than-perfect driving record may face higher premiums with Amica.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#4 – American Family: Best for Family Discounts
Pros
- Family Discounts: American Family offers significant discounts for families, benefiting Mazda CX-3 owners with multiple policies.
- Competitive Rates: American Family auto insurance review provides affordable monthly rates at $78 for Mazda CX-3 with minimum coverage.
- Multi-Vehicle Discount: With a 20% discount for multiple vehicles, American Family helps Mazda CX-3 owners save on premiums.
Cons
- Coverage Limitations: Some coverage options may have restrictions that could impact Mazda CX-3 owners’ needs.
- Premium Variability: Premium rates can vary significantly based on location and driver profile for Mazda CX-3 owners.
#5 – AAA: Best for Membership Benefits
Pros
- Membership Benefits: AAA offers exclusive membership benefits, including roadside assistance and discounts, which are advantageous for Mazda CX-3 owners.
- Low Monthly Rates: AAA auto insurance review provides competitive monthly rates at $82 for Mazda CX-3 with minimum coverage.
- Multi-Vehicle Discount: AAA offers a 25% discount for insuring multiple vehicles, making it affordable for Mazda CX-3 owners.
Cons
- Membership Requirement: AAA’s insurance benefits are tied to membership, which requires an annual fee for Mazda CX-3 owners.
- Limited Coverage Options: Some Mazda CX-3 owners might find AAA’s coverage options less comprehensive compared to other providers.
#6 – Liberty Mutual: Best for Flexible Policies
Pros
- Flexible Policies: Liberty Mutual offers highly flexible policy options, allowing Mazda CX-3 owners to tailor their coverage.
- Affordable Rates: Liberty Mutual auto insurance review provides competitive monthly rates at $85 for Mazda CX-3 with minimum coverage.
- Multi-Vehicle Discount: Liberty Mutual offers a 25% discount for insuring multiple vehicles, enhancing savings for Mazda CX-3 owners.
Cons
- Premium Increases: Some Mazda CX-3 owners report premium increases upon policy renewal.
- Claims Process: The claims process may be slower compared to other insurers, affecting Mazda CX-3 owners’ satisfaction.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#7 – Progressive: Best for Competitive Rates
Pros
- Competitive Rates: Progressive is known for its highly competitive rates, offering Mazda CX-3 owners significant savings.
- Snapshot Program: Progressive’s Snapshot program allows Mazda CX-3 owners to lower premiums based on safe driving.
- Multi-Vehicle Discount: Progressive auto insurance review has emphasized offers of 12% discount for insuring multiple vehicles, benefiting Mazda CX-3 owners.
Cons
- Limited Discounts: The range of discounts available through Progressive may be less extensive for Mazda CX-3 compared to competitors.
- Customer Service: Some Mazda CX-3 owners report less satisfactory customer service experiences with Progressive.
#8 – Geico: Best for Affordable Rates
Pros
- Affordable Rates: Geico offers some of the lowest rates, providing Mazda CX-3 owners with significant cost savings.
- Low Monthly Rates: Geico provides competitive monthly rates at $74 for Mazda CX-3 with minimum coverage.
- Multi-Vehicle Discount: As mention in Geico auto insurance discounts, Geico offers a 25% discount for insuring multiple vehicles, enhancing savings for Mazda CX-3 owners.
Cons
- Coverage Options: Some Mazda CX-3 owners might find Geico’s coverage options less comprehensive compared to other providers.
- Customer Support: Geico’s customer support can be less personalized compared to smaller insurers, affecting Mazda CX-3 owners’ satisfaction.
#9 – Auto-Owners: Best for Strong Reputation
Pros
- Strong Reputation: Auto-Owners is known for its reliability and strong reputation in the insurance industry, benefiting Mazda CX-3 owners.
- Low Monthly Rates: Auto-Owners auto insurance review provides competitive monthly rates at $77 for Mazda CX-3 with minimum coverage.
- Multi-Vehicle Discount: Auto-Owners offers a 10% discount for insuring multiple vehicles, helping Mazda CX-3 owners save on premiums.
Cons
- Limited Discounts: The range of discounts available through Auto-Owners may be less extensive for Mazda CX-3 compared to other providers.
- Availability: Auto-Owners insurance may not be available in all states, limiting access for some Mazda CX-3 owners.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#10 – Erie: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage: Erie excels in providing comprehensive coverage options for the Mazda CX-3, ensuring extensive protection.
- Low Monthly Rates: Erie offers competitive monthly rates at $79 for Mazda CX-3 with minimum coverage. Read more about their ratings in our Erie auto insurance review.
- Multi-Vehicle Discount: Erie provides a 10% discount for insuring multiple vehicles, making it cost-effective for Mazda CX-3 owners.
Cons
- Availability: Erie’s services are not available in all states, which may limit access for some Mazda CX-3 owners.
- Higher Premiums for High-Risk Drivers: Mazda CX-3 owners with a less-than-perfect driving record may face higher premiums with Erie.
Mazda CX-3 Insurance Cost
The insurance cost for a Mazda CX-3 varies based on the coverage level and provider. For minimum coverage, monthly rates range from $70 with Amica to $85 with Liberty Mutual. This variability highlights the importance of comparing different providers to find the most affordable option. Unlock details in our guide titled “What are the recommended auto insurance coverage levels?”
Mazda CX-3 Auto Insurance Monthly Rates by Coverage Level & Provider
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
AAA | $82 | $158 |
American Family | $78 | $148 |
Amica | $70 | $145 |
Auto-Owners | $77 | $153 |
Erie | $79 | $154 |
Farmers | $80 | $155 |
Geico | $74 | $149 |
Liberty Mutual | $85 | $160 |
Nationwide | $75 | $150 |
Progressive | $76 | $152 |
On average, companies like Geico, Nationwide, and Progressive offer competitive rates for minimum coverage, with prices staying in the mid-$70s range. For full coverage, the rates are understandably higher, reflecting the increased protection. Amica again offers the lowest rate at $145 per month, while Liberty Mutual is the highest at $160.
Mazda CX-3 Auto Insurance Monthly Rates by Coverage Type
Type | Rate |
---|---|
Discount Rate | $66 |
High Deductibles | $96 |
Average Rate | $112 |
Low Deductibles | $140 |
High Risk Driver | $238 |
Teen Driver | $408 |
The full coverage rates for providers like American Family, Geico, and Nationwide hover around $148 to $150, making them attractive choices for those seeking a balance between cost and comprehensive protection. The data emphasizes the importance of evaluating both minimum and full coverage options to ensure the best fit for one’s budget and insurance needs.
Expensiveness of Mazda CX-3 to Insure
Mazda CX-3s are generally moderately priced to insure compared to other crossovers. Insurance rates for the Mazda CX-3 typically fall in the middle range when compared to similar vehicles like the Toyota C-HR, Lincoln MKC, and Kia Sportage. (Read more: Lincoln Auto Insurance).
Mazda CX-3 Auto Insurance Monthly Rates vs. Similar Cars by Coverage Type
Vehicle | Comprehensive | Collision | Minimum Coverage | Full Coverage |
---|---|---|---|---|
Mazda CX-3 | $26 | $42 | $31 | $112 |
Toyota C-HR | $21 | $38 | $22 | $90 |
Lincoln MKC | $26 | $50 | $33 | $122 |
Kia Sportage | $23 | $39 | $31 | $107 |
Nissan Rogue | $22 | $43 | $37 | $117 |
Infiniti QX30 | $29 | $57 | $33 | $132 |
Honda HR-V | $25 | $44 | $31 | $113 |
Factors such as the Mazda CX-3’s safety features, reliability, and lower repair costs contribute to its relatively affordable insurance premiums, making it a competitive choice for those seeking a balance between cost and coverage.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Factors That Impacts the Cost of Mazda CX-3 Insurance
Age of the Vehicle
The average Mazda CX-3 auto insurance rates tend to be higher for newer models due to several factors. Newer vehicles usually have higher market values, leading to increased potential repair or replacement costs for insurers.
Mazda CX-3 Auto Insurance Monthly Rates by Category
Model Year | Comprehensive | Collision | Minimum Coverage | Full Coverage |
---|---|---|---|---|
2024 Mazda CX-3 | $27 | $50 | $32 | $119 |
2020 Mazda CX-3 | $26 | $42 | $31 | $112 |
2019 Mazda CX-3 | $25 | $40 | $33 | $110 |
2018 Mazda CX-3 | $24 | $40 | $33 | $110 |
2017 Mazda CX-3 | $23 | $39 | $35 | $109 |
2016 Mazda CX-3 | $22 | $37 | $36 | $108 |
Additionally, newer models often feature advanced technologies and safety features, which, while beneficial for safety, can be expensive to repair or replace. Consequently, insurers adjust premiums to cover these potential higher costs, resulting in higher insurance rates for newer Mazda CX-3 models compared to older ones. Check out our guide “Do you need medical payment coverage on auto insurance?”
Driver Age
Auto insurance rates by age significantly impacts Mazda CX-3 auto insurance rates because younger and older drivers are often perceived as higher risk by insurers. Younger drivers, particularly those under 25, typically face higher premiums due to their lack of driving experience and higher likelihood of being involved in accidents.
Mazda CX-3 Auto Insurance Monthly Rates by Age
Age | Rates |
---|---|
Age: 16 | $408 |
Age: 18 | $334 |
Age: 20 | $253 |
Age: 30 | $116 |
Age: 40 | $112 |
Age: 45 | $105 |
Age: 50 | $102 |
Age: 60 | $100 |
Similarly, senior drivers over 65 may also see increased rates due to potential declines in reaction time and vision. Conversely, middle-aged drivers, generally between 30 and 60, usually benefit from lower rates as they are considered more experienced and less risky to insure.
Driver Location
Where you live significantly influences Mazda CX-3 insurance rates due to various location-based factors. Urban areas typically have higher premiums due to increased risks of theft, vandalism, and accidents compared to rural areas.
Mazda CX-3 Auto Insurance Monthly Rates by City
State | Rate |
---|---|
Los Angeles, CA | $191 |
New York, NY | $176 |
Houston, TX | $175 |
Jacksonville, FL | $162 |
Philadelphia, PA | $149 |
Chicago, IL | $147 |
Phoenix, AZ | $129 |
Seattle, WA | $108 |
Indianapolis, IN | $95 |
Columbus, OH | $93 |
Additionally, regions with higher traffic density and accident rates, as well as areas prone to natural disasters, also see elevated insurance costs. Local laws, the availability of repair shops, and the cost of medical care further contribute to the variability in insurance rates based on the driver’s location.
Your Driving Record
Your driving record significantly influences your Mazda CX-3 auto insurance rates. Teens and drivers in their 20s experience the highest premium increases if they have violations on their driving records.
Mazda CX-3 Auto Insurance Monthly Rates by Age & Driving History
Age | Clean Record | One Ticket | One Accident | One DUI |
---|---|---|---|---|
Age: 16 | $408 | $445 | $490 | $610 |
Age: 18 | $334 | $365 | $400 | $500 |
Age: 20 | $253 | $28 | $303 | $378 |
Age: 30 | $116 | $127 | $139 | $173 |
Age: 40 | $112 | $121 | $132 | $164 |
Age: 45 | $105 | $114 | $125 | $156 |
Age: 50 | $102 | $111 | $122 | $152 |
Age: 60 | $100 | $108 | $118 | $147 |
Insurance providers view younger drivers with infractions as higher risk, leading to substantially higher insurance costs compared to those with clean records. Maintaining a clean driving record can help mitigate these costs and secure more favorable insurance rates. Read thoroughly our guide on how credit scores affect auto insurance rates.
Mazda CX-3 Safety Ratings
Frequently Asked Questions
Is Mazda CX-3 insurance more expensive in certain states?
Insurance rates for the Mazda CX-3 can vary by state due to regulations, population density, and accident frequency. Higher average insurance rates may result in higher premiums (Read more: How to Compare Auto Insurance Quotes).
Can I change my Mazda CX-3 insurance policy anytime?
You can typically make changes to your Mazda CX-3 insurance policy during the term, but certain changes may affect your premium and require adjustments. See which companies have the cheapest minimum auto insurance rates by entering your ZIP code into our free comparison tool below.
Do I need gap insurance for my Mazda CX-3?
Gap insurance is worth considering if you have a loan or lease on your Mazda CX-3 to cover the difference between its value and what you owe in case of a total loss.
Do Mazda CX-3 insurance rates vary by insurance company?
Yes, insurance rates for the Mazda CX-3 can vary between companies based on their claims experience, coverage options, and discounts offered.
What is collision coverage for Mazda CX-3 insurance?
Collision coverage covers damage from collisions with vehicles or objects for your Mazda CX-3.
Can I get Mazda CX-3 insurance with a bad driving record?
It may be more challenging to find affordable insurance with a bad driving record, as it can affect your rates and eligibility. Check out our guide “Why You Should Take a Defensive Driving Class.”
How can I save money on Mazda CX-3 insurance?
You can save money on Mazda CX-3 insurance by comparing quotes from multiple providers, bundling policies, maintaining a clean driving record, and taking advantage of discounts for safety features.
What factors influence Mazda CX-3 insurance rates?
Factors influencing Mazda CX-3 insurance rates include the driver’s age, location, driving record, the vehicle’s age and safety features, and the chosen coverage levels.
Can safety features on my Mazda CX-3 lower my insurance rates?
Yes, safety features such as anti-lock brakes, airbags, and anti-theft devices can help lower your Mazda CX-3 insurance rates by reducing the risk of accidents and theft. Check out our guide “How to Get an Anti-Theft Auto Insurance Discount.”
Is full coverage recommended for my Mazda CX-3?
Full coverage is often recommended for newer or financed vehicles like the Mazda CX-3, as it provides protection against a wide range of risks including theft, vandalism, and accidents.
What should I do if my Mazda CX-3 is involved in an accident?
If your Mazda CX-3 is involved in an accident, ensure everyone’s safety, report the accident to the police, and contact your insurance provider to file a claim and receive guidance on the next steps. You can find affordable auto insurance no matter what your driving record looks like by entering your ZIP code below in our free quote comparison tool.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.