Mazda CX-3 Insurance Rates
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UPDATED: Apr 2, 2024
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Average insurance rates for a Mazda CX-3 are $1,176 a year including full coverage. Comprehensive insurance costs approximately $220, collision insurance costs $338, and liability insurance costs around $460. A liability-only policy costs as low as $510 a year, and high-risk insurance costs $2,534 or more. 16-year-old drivers receive the highest rates at up to $4,576 a year.
Average premium for full coverage: $1,176
Rate estimates by individual coverage type:
Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all CX-3 models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as low as $510 for basic liability insurance to the much higher price of $2,534 for a policy for a high-risk driver.
Price Range by Location
Where you live has a significant impact on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than congested cities. The example below illustrates the difference location can make on auto insurance prices.
These examples highlight why everyone should compare prices using their specific location and risk profile, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below breaks down average Mazda CX-3 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $698
- Using higher $1,000 deductibles will save $128 every year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,176
- Buying pricier low deductibles for physical damage coverage will cost an extra $242 a year
- Drivers with multiple tickets or accidents could pay around $2,534
- The cost for full coverage for a teen driver for full coverage can cost $4,576 or more
Insurance rates for a Mazda CX-3 can also vary considerably based on your driver profile, the model of your CX-3, and physical damage deductibles and liability limits.
A more mature driver with a clean driving record and high deductibles could pay as little as $1,100 a year for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $4,500 a year. View Rates by Age
Where you live has a huge impact on Mazda CX-3 insurance rates. A driver around age 40 might see rates as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,680 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,064 | -$112 | -9.5% |
| Alaska | $900 | -$276 | -23.5% |
| Arizona | $976 | -$200 | -17.0% |
| Arkansas | $1,176 | -$0 | 0.0% |
| California | $1,338 | $162 | 13.8% |
| Colorado | $1,124 | -$52 | -4.4% |
| Connecticut | $1,208 | $32 | 2.7% |
| Delaware | $1,330 | $154 | 13.1% |
| Florida | $1,470 | $294 | 25.0% |
| Georgia | $1,084 | -$92 | -7.8% |
| Hawaii | $844 | -$332 | -28.2% |
| Idaho | $794 | -$382 | -32.5% |
| Illinois | $876 | -$300 | -25.5% |
| Indiana | $884 | -$292 | -24.8% |
| Iowa | $792 | -$384 | -32.7% |
| Kansas | $1,116 | -$60 | -5.1% |
| Kentucky | $1,604 | $428 | 36.4% |
| Louisiana | $1,740 | $564 | 48.0% |
| Maine | $726 | -$450 | -38.3% |
| Maryland | $970 | -$206 | -17.5% |
| Massachusetts | $942 | -$234 | -19.9% |
| Michigan | $2,042 | $866 | 73.6% |
| Minnesota | $984 | -$192 | -16.3% |
| Mississippi | $1,408 | $232 | 19.7% |
| Missouri | $1,042 | -$134 | -11.4% |
| Montana | $1,262 | $86 | 7.3% |
| Nebraska | $928 | -$248 | -21.1% |
| Nevada | $1,410 | $234 | 19.9% |
| New Hampshire | $848 | -$328 | -27.9% |
| New Jersey | $1,316 | $140 | 11.9% |
| New Mexico | $1,040 | -$136 | -11.6% |
| New York | $1,240 | $64 | 5.4% |
| North Carolina | $676 | -$500 | -42.5% |
| North Dakota | $962 | -$214 | -18.2% |
| Ohio | $812 | -$364 | -31.0% |
| Oklahoma | $1,208 | $32 | 2.7% |
| Oregon | $1,078 | -$98 | -8.3% |
| Pennsylvania | $1,122 | -$54 | -4.6% |
| Rhode Island | $1,568 | $392 | 33.3% |
| South Carolina | $1,064 | -$112 | -9.5% |
| South Dakota | $992 | -$184 | -15.6% |
| Tennessee | $1,030 | -$146 | -12.4% |
| Texas | $1,416 | $240 | 20.4% |
| Utah | $870 | -$306 | -26.0% |
| Vermont | $804 | -$372 | -31.6% |
| Virginia | $704 | -$472 | -40.1% |
| Washington | $910 | -$266 | -22.6% |
| West Virginia | $1,078 | -$98 | -8.3% |
| Wisconsin | $814 | -$362 | -30.8% |
| Wyoming | $1,048 | -$128 | -10.9% |
Opting for high physical damage deductibles could cut rates by as much as $370 each year, whereas buying more liability protection will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,400 to $2,000 extra per year, depending on your age. Mazda CX-3 insurance for high-risk drivers can be anywhere from 44% to 133% more than the average rate. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Mazda CX-3 | $248 | $430 | $442 | $1,278 |
| 2020 Mazda CX-3 | $238 | $400 | $452 | $1,248 |
| 2019 Mazda CX-3 | $230 | $376 | $456 | $1,220 |
| 2018 Mazda CX-3 | $220 | $338 | $460 | $1,176 |
| 2017 Mazda CX-3 | $206 | $310 | $460 | $1,134 |
| 2016 Mazda CX-3 | $198 | $292 | $464 | $1,112 |
Rates are averaged for all Mazda CX-3 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Affordable Mazda CX-3 Insurance
Saving money on Mazda CX-3 insurance requires being a good driver, maintaining good credit, not filing small claims, and possibly raising deductibles. Make time to compare rates every year by requesting quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.
The following list is a brief review of the coverage data touched on in this article.
- You may be able to save around $140 per year just by quoting online well ahead of the renewal date
- Increasing deductibles can save around $375 each year
- Drivers age 16 to 20 are expensive to insure, as much as $381 per month for full coverage
- High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,360 more per year than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,576 |
| 20 | $2,696 |
| 30 | $1,208 |
| 40 | $1,176 |
| 50 | $1,076 |
| 60 | $1,054 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,418 |
| $250 | $1,306 |
| $500 | $1,176 |
| $1,000 | $1,048 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,176 |
| 50/100 | $1,268 |
| 100/300 | $1,383 |
| 250/500 | $1,682 |
| 100 CSL | $1,314 |
| 300 CSL | $1,567 |
| 500 CSL | $1,751 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,480 |
| 20 | $4,294 |
| 30 | $2,572 |
| 40 | $2,534 |
| 50 | $2,422 |
| 60 | $2,400 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $61 |
| Multi-vehicle | $63 |
| Homeowner | $19 |
| 5-yr Accident Free | $78 |
| 5-yr Claim Free | $75 |
| Paid in Full/EFT | $47 |
| Advance Quote | $54 |
| Online Quote | $81 |
| Total Discounts | $478 |
Discounts are estimated and may not be available from every company or in every state.
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