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Cheapest 2004 Mazda 3 Car Insurance (Feb 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your 2004 Mazda 3
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Kianna Walpole
Expert Insurance Writer & Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

How much does car insurance cost for a 2004 Mazda 3

The average cost of car insurance for a 2004 Mazda 3 is $1,140 to meet state minimum requirements. Compared to other models in a similar price range, insurance costs for the 2004 Mazda 3 are --
The cost of car insurance
is based on car make, model, and trim, along with safety features and driver information. To find an accurate estimate of your insurance costs for a 2004 Mazda 3, use
Jerry
to get a detailed
car insurance price comparison

The best car insurance companies for 2004 Mazda 3 owners

There’s no best company for all 2004 Mazda 3 drivers.
Insurance premiums are calculated
based on a wide range of factors, including driver age, driving record, and insurance history—and every company uses a slightly different algorithm to make those calculations. 
Jerry has conducted the largest insurance shopping survey in the nation to help people compare car insurance companies and find the best fit for them—not just in terms of price, but customer service and claims experience as well. 
The table below shows how 2004 Mazda 3 drivers rated different insurance companies in these three categories, as well as overall.
Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
Highlighticon

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Lower my car insurance too!

Average 2004 Mazda 3 insurance costs

After analyzing data from many 2004 Mazda 3 drivers, we discovered that the typical monthly expense for minimum liability coverage is $95, which adds up to $1,140 annually. As for full coverage insurance, the average monthly cost for 2004 Mazda 3 drivers is $184, or $2,208 per year.
Insurance CoverageAverage insurance cost (monthly)Average insurance cost (yearly)
State minimum coverage
$95
$1,140
Full coverage
$184
$2,208
State minimum coverage
refers to the minimum amount of car insurance required by state laws, which typically includes some amount of
liability insurance
. In some states,
uninsured/underinsured motorist coverage
and/or
personal injury protection
are also required by law. 
Full coverage car insurance
, on the other hand, includes
collision
and
comprehensive coverage
, which are not required by law. Unlike minimum coverage, full coverage provides robust protection for your vehicle against damage from accidents, auto theft, vandalism, severe weather, and more.

2004 Mazda 3 insurance costs by trim level and engine type

The cost of car insurance for a 2004 Mazda 3 can be influenced by a number of factors, including your trim level and engine type.
The 2004 Mazda 3 comes with an engine that receives up to 1601 horsepower—which is under the average amount for a mid-sized vehicle.2 However, compared to the models made after 2004, which only had engines with a horsepower of 148-155, the 2004 Mazda 3 may be slightly more expensive to insure. 
Additionally, any other modifications, such as trim levels, can cause your premiums to rise. For example, upper trims tend to come with more tech and luxury features, which raises the cost of both repairs and insurance coverage.
Check out the table below to see how different trim levels can shift your car insurance costs
Vehicle 
Average full coverage insurance cost
Average minimum insurance cost
2004 Mazda 3 Hatchback
$253
$93
2004 Mazda 3i
$141
$96
2004 Mazda 3S
$164
$98

How expensive is 2004 Mazda 3 insurance compared to other years?

The 2004 Mazda 3 is comparably cheaper in both purchasing and insurance costs compared to newer models. As cars age, their overall value tends to decrease—in fact, most vehicles experience a 20%3 value drop in their first year.
While this may not sound ideal when selling your vehicle, it can often lead to cheaper car insurance rates. On the other hand, although newer models do have better safety features, new technology and other components often cost more to replace, driving up the cost of coverage.
The table below compares the average insurance cost of a Mazda 3 manufactured in 2004 with other model years.
CarMinimum CoverageFull Coverage
2004 Mazda 3
$95
$184
2005 Mazda 3
$114
$174
2006 Mazda 3
$91
$189
2007 Mazda 3
$96
$128
2008 Mazda 3
$92
$150
2009 Mazda 3
$78
$154
2010 Mazda 3
$103
$192
2011 Mazda 3
$93
$173
2012 Mazda 3
$93
$176
2013 Mazda 3
$80
$172
2014 Mazda 3
$90
$160
2015 Mazda 3
$101
$159
2016 Mazda 3
$94
$185
2017 Mazda 3
$101
$192
2018 Mazda 3
$107
$180
2019 Mazda 3
$78
$182
2020 Mazda 3
$58
$169
2021 Mazda 3
$101
$214
2022 Mazda 3
$123
$218
2023 Mazda 3
$129
$242

Are 2004 Mazda 3s expensive to insure? 

On average, car insurance for a 2004 Mazda 3 costs $95. Compared with other models in a similar price range, it costs -- to insure a 2004 Mazda 3.
ModelAvg. Minimal Coverage Insurance CostAvg. Full Coverage Insurance Cost
2004 Kia Sorento
$80
$110
2004 Subaru Impreza
$82
$111
2004 Mazda 3
$95
$184
2004 Mitsubishi Lancer
$102
$179
2004 Hyundai Elantra
$111
$205
Insurance companies look at more than your car’s make and model to determine the cost of coverage. They’ll take into account the age of the vehicle, its MSRP and actual cash value, the size of its engine, and the likelihood of claims after a crash.

Compare the cheapest 2004 Mazda 3 car insurance quotes

Thousands of smart Mazda 3 drivers come to Jerry every month to find the best rates from top-rated providers. Jerry’s customers save an average of $848 per year on car insurance. Below are cheap quotes Jerry found for 2004 Mazda 3 drivers.
DateCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
February 21, 2024
Progressive
$99
• State Minimum Liability
• Comp / Collision
February 19, 2024
Gainsco
$73
• 25,000/50,000 Liability
February 19, 2024
State Auto
$193
• 100,000/300,000 Liability
• Comp / Collision
February 18, 2024
Travelers
$141
• 50,000/100,000 Liability
• Comp / Collision
February 5, 2024
AAA
$65
• State Minimum Liability
coverageLast Updated Feb 21, 2024
However, it’s important to keep in mind that these are just average costs, and aren’t entirely indicative of what you could pay for your 2004 Mazda 3. Car insurance quotes are highly individualized, and not every driver will pay the same price.
That’s why it’s so important to compare auto insurance quotes—and you can do so, starting with Jerry. Using the Jerry app, you can view dozens of rates tailored to your unique profile, and secure a policy all in under two hours.

Insurance companies look at more than your car’s make and model to determine the cost of coverage. They’ll take into account the age of the vehicle, its MSRP and actual cash value, the size of its engine, and the likelihood of claims after a crash.
The 2004 Mazda 3 scored an impressive 4.0/5.04 on the NHTSA Safety Rating, with most consumers rating the vehicle a 4.7 for reliability. 
Although this score does place the 2004 Mazda 3 under the ratings for newer5 models from 2017-2023, it does rank considerably higher than its 1992 and 1993 predecessors. 
Take a look at the table below to see how the 2004 Mazda 3 was rated by the NHTSA. 
Rating TypeRating
Driver's
Passenger's
Overall Front
Overall Side
Overall Rollover Rating
Overall
Side - Pole
Side Barrier Rating Driver
Side Barrier Rating Passenger Rear Seat
Side - Barrier
Side - Pole Barrier combined (FRONT)
Side - Pole Barrier combined (REAR)

What other factors affect 2004 Mazda 3 insurance rates?

It’s not only customizations and model year that can increase your car insurance costs. Car insurance companies consider the following factors when generating quotes:
  • The kind of car you have: Collision and comprehensive coverage cost more for luxury vehicles, sports cars, and any high-performance vehicle. 
  • Your age: Young drivers (below age 25) pay higher insurance rates based on their lack of driving experience compared to older drivers. Drivers above age 75 also see higher rates based on declining road safety. 
  • Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets in the past five years. 
  • Where you keep your car: Insurance rates vary from state to state and even between different ZIP codes based on theft rates, accident statistics, and weather patterns in your area.

2004 Mazda 3 insurance costs for young drivers

The Mazda 3 is a popular car with many young drivers—but don’t expect insurance to come cheap.
Teen drivers
between the ages of 16 and 24 pay some of the highest rates for car insurance due to a high rate of accidents and violations. 
However, young drivers can keep costs low by sharing a policy with a household member—like a guardian or parent—and by applying for student and good driving discounts with their provider.
Take a look at the cards below to see what different young drivers pay for their 2004 Mazda 3s with different insurers:
card cover
Jennie (20 years old)
coverageCoverage
State Minimum
$70
per month
card cover
Sarah (20 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carMazda 3 S
$123
per month
card cover
Clearcover
Ina (24 years old)
coverageCoverage
State Minimum
$139
per month
card cover
Blanche (23 years old)
coverageCoverage
State Minimum
$128
per month

2004 Mazda 3 insurance costs for senior drivers

On the whole, senior drivers pay some of the lowest car rates—they’re more established motorists and providers take note of that when determining insurance premium costs.
But that doesn’t necessarily extend to every senior. Insurance costs will actually rise for seniors over the age of 70 on account of increased driver error and the likelihood of more serious injuries in the event of a crash.
card cover
Maud (73 years old)
coverageCoverage
State Minimum
$66
per month

2004 Mazda 3 insurance cost for drivers with driving violations 

Speeding, DUIs, and at-fault accidents aren’t the only incidents on your driving record that can raise rates—reckless driving charges, defective equipment, and failing to stop at a light or stop sign can also influence how much you pay for insurance.
The table below compares quotes for 2004 Mazda 3 drivers with a range of violations in their past.
ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Defective Equipment
Dairyland
$107
• State Minimum Liability
Failure to Stop
Progressive
$194
• State Minimum Liability
Driving on Sus. License
Gainsco
$75
• State Minimum Liability
Failure to Stop
Mercury
$144
• State Minimum Liability
coverageLast Updated Feb 18, 2024
To keep the lowest rates possible, practice safe driving habits and maintain a clean record. If you already have a violation on your record, you can achieve lower costs by enrolling in a telematics program, or by asking your provider about defensive driving discounts.

How can I lower the cost of insurance for my 2004 Mazda 3?

Smart shopping strategies
and
car insurance discounts
can help you lower the cost of coverage for a 2004 Mazda 3. Here’s how: 
  • Compare at least three quotes: Never buy car insurance without comparing quotes from at least three different insurance providers.
    Jerry
    makes the comparison process quick and easy!    
  • Use a broker: Unlike captive agents and even most independent agents,
    car insurance brokers
    earn commissions without adding to your insurance costs or pushing you towards a more expensive policy. 
  • Bundle multiple policies: If you also pay for home or renters insurance, you can bundle your policies with a single provider to save money.
    Home and auto bundles
    save drivers an average of 15% or more! 
  • Check for discounts: Most insurers offer discounts for everything from good grades to staying accident-free—or even for buying a new vehicle! 
  • Enroll in a usage-based insurance program: Almost every major insurer offers usage-based programs that allow drivers to track their driving habits in real-time in exchange for potential discounts—and you’ll often get a discount just for signing up!

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

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Kianna Walpole
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Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
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Sarah Gray
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Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.