Conventional 3D instance segmentation methods rely on labor-intensive 3D annotations for supervised training, which limits their scalability and generalization to novel objects. Recent approaches leverage multi-view 2D masks from the Segment Anything Model (SAM) to guide the merging of 3D geometric primitives, thereby enabling zero-shot 3D instance segmentation. However, these methods typically process each frame independently and rely solely on 2D metrics, such as SAM prediction scores, to produce segmentation maps. This design overlooks multi-view correlations and inherent 3D priors, leading to inconsistent 2D masks across views and ultimately fragmented 3D segmentation. In this paper, we propose MV3DIS, a coarse-to-fine framework for zero-shot 3D instance segmentation that explicitly incorporates 3D priors. Specifically, we introduce a 3D-guided mask matching strategy that uses coarse 3D segments as a common reference to match 2D masks across views and consolidates multi-view mask consistency via 3D coverage distributions. Guided by these view-consistent 2D masks, the coarse 3D segments are further refined into precise 3D instances. Additionally, we introduce a depth consistency weighting scheme that quantifies projection reliability to suppress ambiguities from inter-object occlusions, thereby improving the robustness of 3D-to-2D correspondence. Extensive experiments on the ScanNetV2, ScanNet200, ScanNet++, Replica, and Matterport3D datasets demonstrate the effectiveness of MV3DIS, which achieves superior performance over previous methods