Mazda CX-3 Insurance Rates

The average auto insurance rates for a Mazda CX-3 are $1,176 annually for full coverage. Comprehensive insurance costs on average $220, collision insurance costs $338, and liability insurance is $460. A liability-only policy costs around $510 a year, and high-risk insurance costs $2,534 or more. Teen 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 deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all CX-3 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are shown to have fewer accident claims than larger metro areas. The example below illustrates how where you live affects car insurance rates.

The examples above show why everyone should compare rates quotes based on a specific location and their own personal driving habits, rather than relying on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $698
• Raising to $1,000 deductibles will save around $128 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,176
• Choosing pricier low deductibles costs an additional $242 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,534
• Policy cost with full coverage for a teen driver for full coverage may cost $4,576

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Car insurance rates for a Mazda CX-3 also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,400 to $2,000 extra every year, depending on your age. Mazda CX-3 insurance for high-risk drivers is expensive and can cost anywhere from 44% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $370 each year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Mazda CX-3 insurance rates. A middle-age driver might find rates as low as $780 a year in states like Idaho, Maine, and Iowa, or as much as $1,680 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy Cheap Mazda CX-3 Insurance

Finding cheaper rates on Mazda CX-3 insurance consists of not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop once a year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following is a brief summary of the data that was touched on in the above illustrations.

• Drivers can save as much as $140 per year just by quoting online well ahead of the renewal date
• Drivers who require higher liability limits will pay about $510 each year to raise from a 30/60 limit to higher 250/500 limits
• Teens are expensive to insure, costing up to $381 each month if comprehensive and collision insurance is included
• High-risk drivers that tend to have accidents or serious violations may be required to pay an average of $1,360 more each year for CX-3 insurance