Mazda CX-3 Insurance Rates

The average insurance rates for a Mazda CX-3 are $1,176 a year for full coverage insurance. Comprehensive insurance costs approximately $220 each year, collision insurance costs $338, and liability coverage costs around $460. Liability-only insurance costs as low as $510 a year, and high-risk driver insurance costs $2,534 or more. Teenage drivers cost the most to insure at up to $4,576 a year.

Average premium for full coverage: $1,176

Policy rates by type of insurance:

Prices are based on $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and CX-3 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than densely populated cities. The graphic below illustrates how your location can change auto insurance prices.

The examples above illustrate why all drivers should compare prices using their specific location, rather than using average rates.

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

More Rate Information

The chart below illustrates average Mazda CX-3 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $698
• Using higher $1,000 deductibles will save $128 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,176
• Using low deductibles for physical damage coverage will cost an additional $242 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,534
• Policy cost that insures a teenage driver can cost $4,576 or more

View Chart as Image

Auto insurance rates for a Mazda CX-3 also range considerably based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,400 to $2,000 in extra premium every year, depending on your age. Insurance for high-risk drivers can be around 44% to 133% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $4,500 a year. View Rates by Age

Your home state has a huge impact on Mazda CX-3 insurance rates. A driver around age 40 might see rates as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,590 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $370 a year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

How to Find Affordable Mazda CX-3 Insurance

Finding cheaper rates on auto insurance requires being a low-risk driver, maintaining a good credit score, being claim-free, and possibly higher deductibles. Compare prices at every policy renewal by requesting quotes from direct insurance companies, and also from your local car insurance providers.

The items below are a brief review of the data illustrated above.

• Consumers who purchase more liability coverage will pay an extra $510 annually to increase from a 30/60 limit to the 250/500 level
• It is possible to save around $140 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $375 each year
• Teen drivers have the highest car insurance rates, possibly costing $381 each month if the policy includes full coverage