Mazda CX-3 Insurance Rates

The average insurance prices for a Mazda CX-3 are $1,176 every 12 months with full coverage. Comprehensive costs around $220 a year, collision insurance costs $338, and liability insurance is estimated at $460. Buying just liability costs approximately $510 a year, and insurance for high-risk drivers costs around $2,534. 16-year-old drivers cost the most to insure at up to $4,576 a year.

Average premium for full coverage: $1,176

Policy rates for type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and CX-3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance rates.

The examples above demonstrate why it is important to get quotes for a specific zip code and their own driving history, rather than relying on rate averages.

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

Additional Rate Information

The chart below details average Mazda CX-3 insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $698
• Choosing higher $1,000 deductibles can save about $1,048 annually
• The average price for a good driver age 40 using $500 deductibles is $1,176
• Buying low $100 deductibles for comp and collision coverage increases the price to $1,418
• High-risk insureds with multiple tickets or accidents could pay at least $2,534
• Policy cost to insure a teen driver can be $4,576 each year

View Chart as Image

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

Opting for high physical damage deductibles can save as much as $370 each year, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay as much as $4,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 133% more than the average rate. View High Risk Driver Rates

Your home state plays a big part in determining prices for Mazda CX-3 insurance rates. A good driver about age 40 could pay as low as $850 a year in states like New Hampshire, Ohio, and Utah, or at least $1,590 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for the Best Mazda CX-3 Insurance

Finding cheaper rates on Mazda CX-3 insurance takes avoiding accidents and violations, having good credit, not filing small claims, and dropping full coverage on older vehicles. Set aside time to shop around at every policy renewal by getting rate quotes from direct companies, and also from several local insurance agents.

The list below is a brief recap of the data raised in the charts and tables above.

• Drivers who may need higher liability limits will pay around $510 every year to raise limits from a 30/60 limit to a 250/500 level
• You may be able to save up to $140 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $375 each year
• Teenagers pay higher rates, as much as $381 each month if they have full coverage