2019 Mazda 3 Insurance Rates
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UPDATED: Apr 30, 2020
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Average insurance rates for a 2019 Mazda 3 are $1,374 a year for full coverage. Comprehensive costs on average $282, collision costs $536, and liability costs $398. Buying a liability-only policy costs as little as $460 a year, with high-risk insurance costing around $2,982. Teenage drivers receive the highest rates at $5,156 a year or more.
Annual premium for full coverage: $1,374
Rate estimates for 2019 Mazda 3 Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2019 Mazda 3 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as low as $460 for only liability insurance to the much higher price of $2,982 for a driver who has had serious violations or accidents.
These differences show why everyone should compare rates based on a specific location and risk profile, instead of using average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2019 Mazda 3 Insurance
Shoppers have lots of choices when shopping for low-cost Mazda 3 insurance. They can either spend hours driving around trying to get quotes or save time using the internet to compare rates. There is a better way to shop for auto insurance and we’ll show you the absolute fastest way to get price quotes on a Mazda and locate the lowest price from local insurance agents and online providers.
Finding the best rates is quite easy. If you currently have car insurance, you should be able to lower your premiums substantially using these methods. Consumers only need to know how to compare prices over the internet.
The easiest way to compare policy rates is to know the fact most larger insurance companies will pay a fee to give free rates quotes. The only thing you need to do is give the companies some data like what you do for a living, if a SR-22 is required, if you’re married, and whether the vehicles are used for commuting. That rating data gets transmitted to all major companies and they return cost estimate immediately.
To compare multiple company rates now, click here and complete the quick form.
Do you qualify for discount auto insurance?
Insuring your fleet can be pricey, but you might find some hidden discounts that can help lower your rates. Some trigger automatically when you purchase, but some may not be applied and must be asked about before you get the savings.
- Payment Method – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
- Policy Bundle Discount – If you can combine your auto and home policy with the same company they may give you a discount of at least 10 to 15 percent or more.
- No Claim Discounts – Insureds with no claims or accidents can earn big discounts compared to bad drivers.
- Early Renewal Discounts – A few companies give discounts for buying a policy prior to your current policy expiration. You may see this discount when you get car insurance quotes online.
- Passive Restraints and Air Bags – Options like air bags may qualify for discounts of 20% or more.
- Own a Home and Save – Just being a homeowner can get you a discount because maintaining a house demonstrates responsibility.
- Discount for Low Mileage – Driving less could be rewarded with substantially lower prices.
- Drivers Education – Have your child successfully complete driver’s ed class as it will make them better drivers and lower rates.
- Military Discounts – Having a deployed family member can result in better auto insurance rates.
Don’t be shocked that most discounts do not apply to the overall cost of the policy. Most only apply to specific coverage prices like comp or med pay. Despite the appearance that it’s possible to get free car insurance, you won’t be that lucky.
Car insurance companies that may offer many of the previously listed discounts possibly include:
Before buying, ask every insurance company to give you their best rates. Depending on the company, some discounts may not be offered in every state. To see a list of providers that can offer you the previously mentioned discounts, enter your zip code here.
What insurance coverages do I need?
When buying coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s needs are different.
For example, these questions may help highlight if your situation would benefit from an agent’s advice.
- Does my medical payments coverage pay my health insurance deductible?
- If I drive on a suspended license am I covered?
- Is my business laptop covered if it gets stolen from my vehicle?
- Is my trailer covered?
- Are rock chip repairs covered?
- Where can I find high-risk insurance?
If you’re not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, fill out your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.
Detailed coverages of your car insurance policy
Learning about specific coverages of your policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance kick in for expenses for rehabilitation expenses, X-ray expenses, nursing services, pain medications and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Coverage for liability
This coverage can cover damage or injury you incur to people or other property by causing an accident. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage protects against claims like legal defense fees, bail bonds, court costs, medical services and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.
Uninsured and underinsured coverage
Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Mazda 3.
Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.
Auto collision coverage
Collision insurance pays for damage to your 3 from colliding with an object or car. A deductible applies then your collision coverage will kick in.
Collision can pay for things such as driving through your garage door, colliding with another moving vehicle, scraping a guard rail and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.
This covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers things like damage from getting keyed, hitting a bird, a broken windshield and falling objects. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
A little work can save a LOT of money
Some insurance coverage companies may not provide the ability to get a quote online small insurance companies sell through local independent agents. Budget-conscious 2019 Mazda 3 insurance can be bought from both online companies in addition to many insurance agents, and you should compare rates from both in order to have the best chance of saving money.
You just learned a lot of information how to get a better price on 2019 Mazda 3 insurance. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising.
When shopping online for insurance coverage, do not reduce coverage to reduce premium. There are many occasions where an accident victim reduced full coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The goal is to purchase a proper amount of coverage at a price you can afford, but do not skimp to save money.
Much more information about insurance coverage can be found on the following sites:
Rates by U.S. City
|New York City, NY||$2,172|
|Los Angeles, CA||$2,352|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$102|
|5-yr Claim Free||$89|
|Paid in Full/EFT||$63|
Discounts are estimated and may not be available from every company or in every state.