Mazda CX-3 Insurance Rates

Estimated auto insurance rates for a Mazda CX-3 are $1,176 annually for full coverage. Comprehensive costs on average $220 each year, collision insurance costs $338, and liability costs around $460. A liability-only policy costs as low as $510 a year, and high-risk insurance costs around $2,534. Teenage drivers pay the most at up to $4,576 a year.

Average premium for full coverage: $1,176

Premium estimates by type of coverage:

Price estimates include $500 deductible amounts, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all states and CX-3 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas are statistically proven to have fewer accident claims than densely populated cities. The graphic below illustrates the effect of geographic area on car insurance rates.

These rate differences show why all drivers should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below shows average Mazda CX-3 insurance rates for different risk profiles and scenarios.

• The best discount rate is $698
• Using higher $1,000 deductibles will save around $128 a year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,176
• Using low deductibles for physical damage coverage will cost $1,418
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,534
• An auto insurance policy with full coverage for a 16-year-old driver may cost $4,576 or more

View Chart as Image

Auto insurance prices for a Mazda CX-3 also have a wide range based on the model of your CX-3, your driver profile, and policy deductibles and limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $4,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,400 to $2,000 in extra premium annually, depending on your age. Insurance for high-risk drivers can be from 44% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $370 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Mazda CX-3 insurance prices. A driver around age 40 might see prices as low as $780 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,680 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy Cheaper Mazda CX-3 Insurance

Finding better rates on insurance for a Mazda CX-3 requires having a good driving record, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Take the time to compare rates at least every other year by requesting rates from direct carriers, and also from local insurance agents.

The next list is a condensed summary of the car insurance concepts covered in the above illustrations.

• Drivers considered higher risk with multiple at-fault accidents may be required to pay an average of $1,360 more each year to buy Mazda CX-3 insurance
• Drivers can save as much as $140 per year just by quoting online in advance
• Increasing policy deductibles could save up to $375 each year
• Insureds who require increased levels of liability coverage will pay an extra $510 each year to increase from 30/60 bodily injury limits to higher 250/500 limits