Are CX-3's expensive to insure or did I just get a really bad quote? I am just about ready to purchase a CX-3 GT. I called my insurance company (Geico) to request a quote and received what I think is a very high number (around 2,000 a year). I'm not entirely sure they know what a CX-3 is as they couldn't find it in their system so that could account for something. Now I know there are many factors that go into car insurance like age of the driver, safety record, price of the car, location, amount of coverage/deductibles etc... I am in my 40's, never had an accident or ticket, and never late with a payment. My current car is a 9 year old Subaru with a low rate but I've owned brand new cars before and never came close to that number.