Mazda CX-3 Insurance Rates

The average insurance rates for a Mazda CX-3 are $1,176 a year for full coverage. Comprehensive costs on average $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 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 by type of insurance:

These estimates include $500 deductible amounts, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and CX-3 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have lower incidents of accident claims than congested cities. The graphic below illustrates how where you live affects car insurance rates.

The examples above show why all drivers should compare prices based on a specific location, rather than using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $698
• Using higher $1,000 deductibles will save around $128 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,176
• Buying low deductibles for physical damage coverage bumps up the cost to $1,418
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,534
• Policy cost that insures a teenage driver may 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, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $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 the average rate. 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 highest for teenagers, since even teens with perfect driving records will have to pay upwards 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 $780 a year in states like Idaho, Maine, and Iowa, or at least $1,680 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $370 a year, whereas increasing liability limits will cost you more. Going 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 Cheap Mazda CX-3 Insurance

Finding cheaper rates on auto insurance requires having a good driving record, maintaining a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Comparison shop every time your policy renews by requesting rates from direct carriers, and also from local exclusive and independent agents.

The next list is a brief summary of the information touched on in the above illustrations.

• Drivers can save as much as $140 per year just by quoting online in advance
• Drivers age 20 and younger are charged the highest rates, costing up to $381 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles can save approximately $375 each year
• Drivers that tend to have accidents or serious violations may pay on average $1,360 more each year to buy Mazda CX-3 insurance
• Consumers who require increased levels of liability coverage will pay around $510 each year to increase from a 30/60 limit to the 250/500 level