Mazda CX-3 Insurance Rates
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Michelle Robbins
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UPDATED: Apr 2, 2024
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The average insurance prices for a Mazda CX-3 are $1,176 every 12 months including full coverage. Comprehensive insurance costs an estimated $220, collision costs $338, and liability insurance is estimated at $460. A liability-only policy costs approximately $510 a year, with high-risk insurance costing $2,534 or more. 16-year-old drivers cost the most to insure at $4,576 a year or more.
Average premium for full coverage: $1,176
Policy rates broken down by type of insurance:
These estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for all CX-3 models.
Price Range Variability
For the normal driver, Mazda CX-3 insurance rates go from the cheapest price of $510 for the bare minimum liability coverage to the much higher price of $2,534 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than congested cities.
The example below illustrates how geographic area affects insurance prices.
The examples above highlight why everyone should get quotes for a targeted area and their own driving history, 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.
Additional Rate Information
The chart below breaks down estimated Mazda CX-3 insurance rates for other coverage scenarios.
- The best full coverage rate is $698
- Choosing higher $1,000 deductibles can save approximately $128 every year
- The average price for a good driver age 40 who has $500 deductibles is $1,176
- Buying pricier low deductibles for comp and collision coverage costs an extra $242 a year
- High-risk insureds with multiple tickets or accidents could pay up to $2,534 or more
- Policy cost to insure a teen driver for full coverage can cost as much as $4,576 each year
Car insurance rates for a Mazda CX-3 also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.
Opting for high physical damage deductibles can save as much as $370 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations 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 will be charged at least $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 are likely paying $1,400 to $2,000 extra every year, depending on your age. Mazda CX-3 insurance for high-risk drivers 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 $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% |
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates from as many companies as possible. Each auto insurer utilizes a different rate formula, so rate quotes will be varied.
| 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 Shop for Cheap Mazda CX-3 Insurance
Finding cheaper rates on Mazda CX-3 insurance takes being a good driver, maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Invest the time to compare rates at every policy renewal by getting rate quotes from direct car insurance companies, and also from local insurance agencies.
The following list is a brief summary of the data presented in the illustrations above.
- Drivers who want an increased level of liability coverage will pay around $510 per year to raise limits from a 30/60 limit to a 250/500 level
- You may be able to save approximately $140 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save as much as $375 each year
- Drivers age 16 to 20 have the highest car insurance rates, with premiums being up to $381 each month if the policy includes full coverage
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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