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Jerry Data & Research
Cheapest 2004 Mazda 3 Car Insurance (May 2024)
Cheapest 2004 Mazda 3 Car Insurance (May 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
Find Insurance Savings
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Quotes from top insurance companies
Kianna Walpole
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor
What's on this page?
- How much does car insurance cost for a 2004 Mazda 3 ?
- The best car insurance companies for 2004 Mazda 3 owners
- How expensive is 2004 Mazda 3 insurance compared to other years?
- Are 2004 Mazda 3s expensive to insure?
- Compare the cheapest 2004 Mazda 3 car insurance quotes
- Methodology
- Sources
- Meet our experts
Load full table of contents
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 21% less.
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 Company | Overall Rating | Price | Claims Experience | Customer 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 |
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.
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.
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Sean S.
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 Coverage | Average 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. Compare insurance information for other Mazdas
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.
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.
| Car | Minimum Coverage | Full 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 21% less to insure a 2004 Mazda 3.
| Model | Avg. Minimal Coverage Insurance Cost | Avg. Full Coverage Insurance Cost |
|---|---|---|
2004 Mitsubishi Galant | $72 | $290 |
2004 Subaru Impreza | $82 | $111 |
2004 Hyundai Tiburon | $86 | $153 |
2004 Kia Spectra | $89 | $134 |
2004 Mazda 3 | $95 | $184 |
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.
| Date | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
April 29, 2024 | State Auto | $193 | Norman, 30 | • 100,000/300,000 Liability • Comp / Collision | |
April 28, 2024 | Travelers | $141 | Eugene, 26 | • 50,000/100,000 Liability • Comp / Collision | |
April 21, 2024 | Progressive | $263 | Marion, 20 | • State Minimum Liability | |
April 15, 2024 | AAA | $65 | Cecilia, 40 Hulbert, OK | • State Minimum Liability | |
April 13, 2024 | Clearcover | $111 | Virgie, 25 | • 50,000/100,000 Liability |
Last Updated Apr 29, 2024However, 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 Type | Rating |
|---|---|
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:
Dorothy (20 years old)
$60
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.
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.
| Violation | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
Defective Equipment | Dairyland | $107 | Angel, 22 | • State Minimum Liability | |
Failure to Stop | Progressive | $194 | Isabelle, 24 | • State Minimum Liability | |
Driving on Sus. License | Gainsco | $75 | Grace, 34 Buffalo Gap, TX | • State Minimum Liability | |
Failure to Stop | Mercury | $144 | Bill, 24 | • State Minimum Liability |
Last Updated Apr 30, 2024To 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.Jerrymakes the comparison process quick and easy!
- Use a broker: Unlike captive agents and even most independent agents,car insurance brokersearn 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 bundlessave 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
Kianna Walpole
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.
Sarah Gray
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.
Josh Damico
Head Of Insurance Operations
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.
