Cheap Mazda CX-3 Car Insurance in 2024 (Top 10 Low-Cost Companies)
Farmers, AAA, and Safeco offer the best cheap Mazda CX-3 car insurance, starting at $42 monthly from Farmers. These providers excel in custom coverage, high limits, and new cars. Their competitive rates, comprehensive coverage options, and superior customer service make them top choices for Mazda CX-3 owners.
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Jeffrey Manola
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Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...
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UPDATED: Jul 10, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jul 10, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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2,903 reviewsCompany Facts
Min. Coverage for Mazda CX-3
A.M. Best Rating
Complaint Level
Pros & Cons
2,903 reviews
2,934 reviewsCompany Facts
Min. Coverage for Mazda CX-3
A.M. Best Rating
Complaint Level
Pros & Cons
2,934 reviews
1,173 reviewsCompany Facts
Min. Coverage for Mazda CX-3
A.M. Best Rating
Complaint Level
Pros & Cons
1,173 reviewsThe top picks for cheap Mazda CX-3 car insurance are Farmers, AAA, and Safeco, renowned for their competitive pricing and comprehensive coverage options.
These companies excel not just in affordability but also in customer service, making them standout choices for Mazda CX-3 owners.
Our Top 10 Company Picks: Cheap Mazda CX-3 Car Insurance
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $42 | A++ | Custom Coverage | Farmers |
 | #2 | $47 | A | New Cars | AAA |
 | #3 | $53 | A | High Limits | Safeco |
 | #4 | $58 | A++ | Military Families | USAA |
 | #5 | $61 | A+ | Low Rates | Geico |
 | #6 | $65 | A++ | Comprehensive Plans | Progressive |
 | #7 | $70 | A+ | High Deductibles | Allstate |
 | #8 | $75 | A+ | No Deductibles | Erie |
 | #9 | $78 | A | Multiple Policies | Travelers |
 | #10 | $80 | A++ | Safe Drivers | American Family |
By offering custom coverage and high limits, they cater to the specific needs of new car owners. Whether you prioritize lower costs, extensive protection, or superior service, these insurers provide reliable options tailored to diverse driver needs.
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- Farmers provides the best rates for Mazda CX-3, starting at $42 monthly
- Mazda CX-3 car insurance caters specifically to new car requirements
- Coverage options extend to custom plans and high limits for additional security
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#1 – Farmers: Top Overall Pick
Pros
- Competitive Pricing: Discover our Farmers insurance review & ratings, which highlights their lowest full coverage rate for Mazda CX-3.
- Discounts Available: Provides various discounts including good student, multi-policy, and safe driver.
- Customizable Coverage: Tailor coverage options to fit individual needs for the Mazda CX-3.
Cons
- Higher Minimum Coverage Premiums: Higher premiums for minimum coverage specifically for Mazda CX-3 compared to other vehicles.
- Customer Service Variability: Customer service quality for Mazda CX-3 insurance can vary by region.
#2 – AAA: Best for Roadside Assistance
Pros
- Extensive Member Benefits: Explore our AAA insurance review & ratings to learn about the comprehensive benefits including roadside assistance and travel discounts.
- Flexible Coverage Options: Allows Mazda CX-3 policyholders to customize their coverage based on specific needs.
- Competitive Rates for Members: Attractive pricing for Mazda CX-3 comprehensive and full coverage options.
Cons
- Membership Requirement: AAA membership required, which includes an annual fee, to access Mazda CX-3 insurance.
- Inconsistent Service Levels: Service quality for Mazda CX-3 insurance can vary greatly depending on the regional clubs.
#3 – Safeco: Best for Unique Discount Opportunities
Pros
- Customizable Policies: Delve into our Safeco insurance review & ratings which detail how policies can be highly customized to meet diverse needs and preferences.
- Wide Range of Discount Options: Safeco offers discounts including safe driver, multi-policy, and new car replacement specifically for Mazda CX-3 owners.
- Lower Than Average Premiums: Competitive pricing with full coverage options for the Mazda CX-3 that are lower than many competitors.
Cons
- Customer Support Issues: Some Mazda CX-3 owners report delays and issues with claims processing.
- Policy Management: Online policy management is less user-friendly for Mazda CX-3 policies compared to others in the industry.
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#4 – USAA: Best for Military Families
Pros
- High Customer Satisfaction: See our USAA insurance review & ratings that showcase consistently high ratings for customer service and claims handling.
- Military and Family Focus: Tailored services for military members and their families, including additional discounts for Mazda CX-3 owners.
- Competitive Rates: Offers some of the most competitive rates for Mazda CX-3 insurance, especially for eligible members.
Cons
- Eligibility Restrictions: Only available to military members, veterans, and their immediate families for Mazda CX-3 insurance.
- Limited Physical Presence: Fewer local offices, which might affect those preferring in-person service for their Mazda CX-3 insurance.
#5 – Geico: Best for Low-Cost Policies
Pros
- Extensive Discounts: Offers a wide range of discounts, including for safe driving, military, and auto insurance discounts for federal employees.
- Affordable Rates: Known for competitive pricing across various coverage levels for Mazda CX-3.
- Strong Online Presence: Advanced digital tools for policy management and claims handling for Mazda CX-3 policies.
Cons
- Variable Customer Service: Customer service quality can vary depending on the region and the specific agent handling Mazda CX-3 insurance.
- Generic Policies: Some customers may find policies less tailored compared to other specialized insurers for Mazda CX-3.
#6 – Progressive: Best for Innovative Discounts
Pros
- Innovative Discounts: In our Progressive insurance review & ratings, learn about the Snapshot and other usage-based insurance options that reward safe driving.
- Comprehensive Online Tools: Robust online tools for quote comparison, policy management, and claims processing for Mazda CX-3.
- Flexibility in Coverage: Offers a wide range of flexible coverage options that can adapt to changing needs of Mazda CX-3 drivers.
Cons
- Inconsistent Agent Experiences: Quality of service can vary significantly depending on the individual agent or representative handling Mazda CX-3 insurance.
- Premium Fluctuations: Some Mazda CX-3 owners report unexpected premium increases after the initial policy period.
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#7 – Allstate: Best for Local Agent Network
Pros
- Strong Local Agent Network: Take a look at our Allstate insurance review & ratings for insights into their robust support from a widespread network of local agents.
- Extensive Coverage Options: Offers a broad array of coverage options including personalized policies for Mazda CX-3.
- Rewards for Safe Drivers: Provides discounts for safe driving and other incentives through programs like Drivewise, especially for Mazda CX-3 owners.
Cons
- Higher Premiums: Generally higher rates for Mazda CX-3 insurance compared to some competitors.
- Claims Process: Some Mazda CX-3 owners report a less streamlined claims process compared to industry leaders.
#8 – Erie: Best for Rate Lock Feature
Pros
- Rate Lock Feature: Within our Erie insurance review & ratings, find out how their rate lock feature guarantees premiums won’t increase annually.
- Personalized Service: Known for personalized customer service through a dedicated agent model, ideal for Mazda CX-3 owners.
- Comprehensive Discounts: Offers a variety of discounts including for young drivers and safety features on Mazda CX-3.
Cons
- Limited Availability: Services not available nationwide; limited to certain states, affecting Mazda CX-3 owners in uncovered areas.
- No Online Purchase Option: Lacks the option to purchase insurance directly online for Mazda CX-3; must go through agents.
#9 – Travelers: Best for Green Vehicle Owners
Pros
- Extensive Policy Options: According to our Travelers insurance review & ratings, they offer a wide range of options and coverage levels available.
- Green Vehicle Discounts: Offers discounts for owning or leasing hybrid/electric vehicles, including hybrid versions of Mazda CX-3.
- Accident Forgiveness Programs: Unique offerings like accident forgiveness, enhancing the appeal for Mazda CX-3 drivers.
Cons
- Complex Policies: Some Mazda CX-3 owners find policies to be complex and difficult to understand.
- Customer Service Inconsistencies: Reports of inconsistent customer service experiences specifically for Mazda CX-3 insurance.
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#10 – American Family: Best for Customer Loyalty Programs
Pros
- Loyalty Discounts: Based on our American Family insurance review & ratings, learn how they offer loyalty and multi-vehicle discounts.
- Customized Coverage: Allows customers to tailor their policies with various optional coverages, suitable for Mazda CX-3.
- High Customer Retention: Known for high customer satisfaction and retention rates among Mazda CX-3 owners.
Cons
- Availability Issues: Not available in all states, which can limit accessibility for some Mazda CX-3 owners.
- Higher Rates for High-Risk Drivers: Tends to have higher rates for Mazda CX-3 owners with less-than-perfect driving records.
Factors Affecting the Cost of Mazda Cx-3 Car Insurance
The cost of car insurance for a Mazda CX-3 is influenced by a range of factors that insurance companies evaluate to assess risk and determine premiums, which answers the question how much is car insurance.
These include your age and driving experience, where you live and park your car, your driving record and claims history, the model and trim of your vehicle, its value and age, your chosen insurance coverage options and deductibles, the frequency and purpose of your vehicle’s use, and your credit score in certain cases.
Additionally, your annual mileage is considered because higher mileage can increase the likelihood of accidents and claims. Furthermore, your history with previous vehicle insurances, especially if it includes frequent claims or multiple accidents, can also lead to higher premiums as insurers might view you as a higher risk.
Mazda CX-3 Car Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $47 | $150 |
| Allstate | $70 | $160 |
| American Family | $80 | $165 |
| Erie | $75 | $158 |
| Farmers | $42 | $145 |
| Geico | $61 | $155 |
| Progressive | $65 | $162 |
| Safeco | $53 | $148 |
| Travelers | $78 | $163 |
| USAA | $58 | $157 |
The table presents monthly insurance rates for a Mazda CX-3, categorized by coverage level and provider. It lists both minimum and full coverage options for ten different insurance companies. The rates vary, with AAA offering the least expensive minimum coverage at $47 and American Family the highest full coverage at $165 per month.
Other companies listed include Allstate, Erie, Farmers, Geico, Progressive, Safeco, Travelers, and USAA, with Farmers offering the lowest full coverage rate at $145. This table provides a clear comparison of what one might expect to pay for either basic liability or more comprehensive insurance for a Mazda CX-3 across various insurers.
Decoding Mazda CX-3 Insurance Premiums
When determining your Mazda CX-3 insurance premium, companies use algorithms, data, and actuarial tables to assess risk, as explained by how does the insurance company determine my premium. Rates also reflect the insurer’s costs and profits, making each premium unique.
Laura Berry Former Licensed Insurance Producer
Key risk factors include the policyholder’s age and driving experience, with younger and less experienced drivers typically facing higher premiums due to a greater risk of accidents. Additionally, the location where the vehicle is driven and parked influences rates; areas with high accident rates, theft, vandalism, or heavy traffic can increase premiums.
To potentially lower your premiums, maintain a clean driving record, increase deductibles, enhance vehicle security, utilize discounts, bundle policies, and regularly review and adjust your insurance coverage to suit your evolving needs and the aging of your vehicle.
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Navigating Mazda Model Insurance Variations
Car insurance rates for Mazda models vary based not only on personal factors but also on the specific characteristics of each model, such as safety features, repair costs, and historical claims data. When considering different Mazda models, comparing insurance rates can be crucial in selecting a vehicle that fits your budget and meets your insurance needs.
For instance, sports models like the Mazda MX-5 Miata generally incur higher insurance rates due to increased accident and theft risks, while sedans such as the Mazda 3 or SUVs like the Mazda CX-5 typically enjoy lower rates because of their safety features and less costly repairs.
Additionally, when insuring a Mazda CX-3, various coverage options should be considered, including liability, collision, comprehensive, uninsured/underinsured motorist insurance coverage, and medical payments coverage. Understanding these options enables you to customize your insurance policy for optimal protection and cost-effectiveness.
The table provides a comparison of available car insurance discounts for the Mazda CX-3 from top providers. It includes offerings from ten different insurers: AAA, Allstate, American Family, Erie, Farmers, Geico, Progressive, Safeco, Travelers, and USAA.
Each company offers a variety of discounts such as Multi-Policy, Good Driver, and Anti-Theft Device, aimed at reducing premiums for qualifying drivers.
Maximizing Protection With Comprehensive Coverage for Mazda CX-3
For Mazda CX-3 owners, investing in comprehensive coverage is crucial due to the vehicle’s value and potential repair costs. This type of insurance safeguards against various risks like theft, vandalism, fire, falling objects, and natural disasters, offering financial protection and peace of mind despite its higher premium compared to liability-only coverage.
Tim Bain Licensed Insurance Agent
When selecting a best car insurance provider for your Mazda CX-3, it’s essential to look beyond just the cost. Affordability matters, but so does choosing a provider known for dependable customer service and efficient claims processing.
Researching different insurers, reading customer reviews, and comparing their services are key steps in finding a provider that offers not only financial stability but also positive customer experiences, ensuring the best possible coverage and service for your Mazda CX-3.
Smart Strategies for Mazda CX-3 Insurance
When securing car insurance for a Mazda CX-3, it’s crucial to avoid common pitfalls such as failing to compare quotes from multiple providers, underestimating the importance of comprehensive coverage, setting deductibles too low or too high without assessing the financial implications, withholding pertinent information from your insurer, and neglecting annual policy reviews to ensure it meets your current needs.
On the flip side, car insurance can be made more affordable by maintaining a clean driving record, keeping a good credit score, parking your vehicle in a secure location, and completing driver education or defensive driving courses can lower your car insurance rates.
By being aware of these factors and actively managing them, you can make more informed decisions and potentially reduce the costs associated with insuring your Mazda CX-3, while also ensuring you receive the best possible coverage.
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Optimizing Mazda CX-3 Insurance Costs
To save money on Mazda CX-3 car insurance without sacrificing coverage, consider several effective strategies: shop around and compare quotes from multiple providers, increase your deductibles to reduce premiums, capitalize on discounts like safe driver or bundling options, and regularly review your coverage to ensure it matches your needs.
Deductibles influence your premiums: a higher deductible lowers your premium by increasing your risk, while a lower deductible raises it as the insurer assumes more risk. Understanding what is the difference between a deductible and a premium in car insurance helps balance your financial comfort and risk tolerance.
Additionally, your driving record plays a pivotal role in insurance costs. Maintaining a clean record with no at-fault accidents or violations can lead to lower premiums, reflecting your low-risk status to insurers. Conversely, a record with incidents can increase your premiums, marking you as a higher risk. Implementing these tips and maintaining safe driving habits can help manage the costs of insuring your Mazda CX-3 effectively.
Choosing Optimal Coverage for Your Mazda CX-3
Selecting the right level of coverage for your Mazda CX-3 involves balancing adequate protection with affordability, considering factors like the vehicle’s value, your budget, and your risk tolerance.
Liability insurance coverage is mandatory, but adding comprehensive and collision coverage can offer extensive protection. Regularly reviewing your policy and consulting with an insurance agent ensures your coverage meets your evolving needs.
The cost of Mazda CX-3 insurance varies based on multiple factors, but by understanding these, exploring coverage options, and employing money-saving strategies—such as comparing quotes, utilizing discounts, and choosing a reputable provider—you can secure affordable, comprehensive insurance for your vehicle.
Case Studies: Selecting the Right Insurance for the Mazda CX-3
Choosing the appropriate car insurance involves understanding both the specific needs of the vehicle and the driver’s personal circumstances. Here are three fictional case studies that demonstrate how individuals can secure tailored insurance policies for their Mazda CX-3 with three leading insurance providers.
- Case Study #1 – Comprehensive Coverage: Jessica, a 28-year-old software developer in Seattle, chooses Farmers Insurance for its comprehensive coverage. She selects a policy including collision and comprehensive damage, suitable for Seattle’s high traffic and severe weather. At $80 per month, her Mazda CX-3 is insured against theft, vandalism, and accidents.
- Case Study #2 – Customizable Coverage: Mark, a 45-year-old photographer in Los Angeles, selects AAA for its flexible policies and benefits like roadside assistance coverage and travel discounts. AAA allows him to adjust coverage seasonally, costing $70 per month. This plan protects his Mazda CX-3 against breakdowns and incidents during his travels across California.
- Case Study #3 – Budget-Friendly Options: Natalie, a 32-year-old teacher in Austin, chooses Safeco for its competitive pricing and educator discounts. Her policy, at $50 per month, includes liability, collision, and comprehensive coverages, essential for her daily commutes and vehicle safety.
These case studies illustrate the varied offerings and benefits of choosing insurance.
Jeffrey Manola Licensed Insurance Agent
Each provider offers unique advantages that can cater to different needs, budgets, and lifestyles, helping drivers make well-informed decisions about their car insurance.
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Essential Guide to Mazda CX-3 Car Insurance Costs and Savings
Mazda CX-3 insurance premiums depend on factors like age, driving history, location, and coverage options. Comprehensive coverage is essential due to the vehicle’s value, offering protection against theft, vandalism, and natural disasters.
To reduce costs, compare car insurance quotes to maintain a clean driving record and use available discounts. Regularly review and adjust your coverage to meet your needs. Understanding these factors and options helps you find affordable, reliable car insurance for your Mazda CX-3.
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Frequently Asked Questions
How much does Mazda CX-3 insurance typically cost?
Insurance costs for a Mazda CX-3 can vary based on your location, driving history, and the level of coverage you choose. Generally, the Mazda CX-3 is considered affordable to insure due to its good safety ratings and relatively low repair costs.
What factors affect the insurance rates of a Mazda CX-3?
Several factors can affect the insurance rates of your Mazda CX-3, including the driver’s age and experience, the model year of the Mazda CX-3, and any safety features installed in the vehicle. Generally, newer models with advanced safety features may have lower insurance costs.
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Is there a specific insurance provider known for offering the best rates on Mazda CX-3?
Farmers Insurance is often cited as a top pick for Mazda CX-3 car insurance due to their competitive rates and comprehensive coverage options tailored for Mazda CX-3 owners.
Explore our comprehensive resource titled “Best Car Insurance by Vehicle” to deepen your understanding of insurance coverage options.
What types of coverage are recommended for Mazda CX-3 owners?
For Mazda CX-3 owners, comprehensive and collision insurance are highly recommended. These cover damages to your Mazda CX-3 in most scenarios, whether from accidents, theft, or other damages.
Are there any common insurance claims reported by Mazda CX-3 owners?
Common insurance claims for Mazda CX-3 owners include minor fender benders and windshield damages. Comprehensive insurance typically covers these types of damages.
How can Mazda CX-3 owners reduce their insurance premiums?
Mazda CX-3 owners can reduce their insurance premiums by maintaining a clean driving record, opting for higher deductibles, and taking advantage of discounts such as multi-car, safe driver, or security system discounts.
Refer to our detailed guide titled “Best Mazda Car Insurance Discounts” for a thorough analysis of available savings.
What is the impact of Mazda discontinuing the CX-3 on insurance rates?
The discontinuation of the Mazda CX-3 might lead to slightly higher insurance rates due to decreased availability of new parts; however, this is generally offset by the vehicle’s reliability and lower cost of used parts.
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How does the safety rating of the Mazda CX-3 affect its insurance costs?
The Mazda CX-3’s strong safety ratings can help lower insurance costs. Vehicles that are rated highly for safety reduce the risk associated with insuring them, potentially leading to lower premiums.
For detailed information on the cheapest car insurance companies, refer to our comprehensive report titled “Cheapest Car Insurance Companies,” now available for immediate access.
What should Mazda CX-3 owners look for when comparing insurance quotes?
Mazda CX-3 owners should compare not only the cost but also the coverage details, customer service ratings, and claims process efficiency of the insurance providers to ensure they choose the best fit for their needs.
To enhance your understanding, explore our comprehensive resource on insurance titled “Best Car Insurance Discounts to Ask for,” now concisely summarized.
Can modifications to a Mazda CX-3 affect insurance rates?
Yes, modifications to a Mazda CX-3, especially those that significantly alter performance or increase value, can affect insurance rates. It’s important to notify your insurer about any modifications to ensure coverage remains valid.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
