Mazda CX-3 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Estimated auto insurance rates for a Mazda CX-3 are $1,220 annually including full coverage. Comprehensive insurance costs on average $230, collision costs $376, and liability coverage is estimated at $456. Liability-only coverage costs approximately $508 a year, with high-risk coverage costing $2,636 or more. Teen drivers pay the most at $4,720 a year or more.
Average premium for full coverage: $1,220
Premium estimates by type of coverage:
Estimates include $500 deductible amounts, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different CX-3 trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Mazda CX-3 go from as cheap as $508 for basic liability insurance to a much higher rate of $2,636 for coverage for higher-risk drivers.
Insurance Price Range by Location
Living in a larger city has a large influence on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than larger metro areas.
The price range example below illustrates the effect of geographic area on car insurance rates.
These rate differences highlight why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, rather than using price 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 estimated Mazda CX-3 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $717
- Choosing higher $1,000 deductibles can save around $138 every year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,220
- Choosing more expensive low deductibles for comp and collision coverage costs an additional $266 each year
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,636 or more
- An auto insurance policy with full coverage for a teenage driver with full coverage may cost $4,720 each year
Insurance prices for a Mazda CX-3 also have a wide range based on the model of your CX-3, your driving characteristics, and policy deductibles and limits.
An older driver with a clean driving record and high physical damage deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay upwards of $4,700 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,500 to $2,000 extra annually, depending on your age. High-risk driver insurance ranges around 42% to 137% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $410 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Mazda CX-3 insurance rates. A good driver about age 40 could pay as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,740 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,104 | -$116 | -9.5% |
| Alaska | $936 | -$284 | -23.3% |
| Arizona | $1,012 | -$208 | -17.0% |
| Arkansas | $1,220 | -$0 | 0.0% |
| California | $1,392 | $172 | 14.1% |
| Colorado | $1,166 | -$54 | -4.4% |
| Connecticut | $1,254 | $34 | 2.8% |
| Delaware | $1,382 | $162 | 13.3% |
| Florida | $1,526 | $306 | 25.1% |
| Georgia | $1,126 | -$94 | -7.7% |
| Hawaii | $876 | -$344 | -28.2% |
| Idaho | $824 | -$396 | -32.5% |
| Illinois | $908 | -$312 | -25.6% |
| Indiana | $918 | -$302 | -24.8% |
| Iowa | $822 | -$398 | -32.6% |
| Kansas | $1,160 | -$60 | -4.9% |
| Kentucky | $1,664 | $444 | 36.4% |
| Louisiana | $1,806 | $586 | 48.0% |
| Maine | $754 | -$466 | -38.2% |
| Maryland | $1,006 | -$214 | -17.5% |
| Massachusetts | $976 | -$244 | -20.0% |
| Michigan | $2,120 | $900 | 73.8% |
| Minnesota | $1,022 | -$198 | -16.2% |
| Mississippi | $1,460 | $240 | 19.7% |
| Missouri | $1,082 | -$138 | -11.3% |
| Montana | $1,310 | $90 | 7.4% |
| Nebraska | $960 | -$260 | -21.3% |
| Nevada | $1,462 | $242 | 19.8% |
| New Hampshire | $880 | -$340 | -27.9% |
| New Jersey | $1,362 | $142 | 11.6% |
| New Mexico | $1,080 | -$140 | -11.5% |
| New York | $1,286 | $66 | 5.4% |
| North Carolina | $702 | -$518 | -42.5% |
| North Dakota | $998 | -$222 | -18.2% |
| Ohio | $842 | -$378 | -31.0% |
| Oklahoma | $1,254 | $34 | 2.8% |
| Oregon | $1,116 | -$104 | -8.5% |
| Pennsylvania | $1,162 | -$58 | -4.8% |
| Rhode Island | $1,628 | $408 | 33.4% |
| South Carolina | $1,104 | -$116 | -9.5% |
| South Dakota | $1,030 | -$190 | -15.6% |
| Tennessee | $1,068 | -$152 | -12.5% |
| Texas | $1,470 | $250 | 20.5% |
| Utah | $904 | -$316 | -25.9% |
| Vermont | $836 | -$384 | -31.5% |
| Virginia | $732 | -$488 | -40.0% |
| Washington | $942 | -$278 | -22.8% |
| West Virginia | $1,118 | -$102 | -8.4% |
| Wisconsin | $844 | -$376 | -30.8% |
| Wyoming | $1,088 | -$132 | -10.8% |
With such a large range in prices, the best way to figure out exactly what you will pay is to compare prices and see how they stack up. Each auto insurer uses a different rate calculation, so the prices will be substantially different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Mazda CX-3 | $262 | $446 | $430 | $1,296 |
| 2020 Mazda CX-3 | $248 | $430 | $442 | $1,278 |
| 2019 Mazda CX-3 | $238 | $400 | $452 | $1,248 |
| 2018 Mazda CX-3 | $230 | $376 | $456 | $1,220 |
| 2017 Mazda CX-3 | $220 | $338 | $460 | $1,176 |
| 2016 Mazda CX-3 | $206 | $310 | $460 | $1,134 |
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 Buy Low Cost Mazda CX-3 Insurance
Finding better rates on auto insurance takes having a good driving record, having a good credit history, refrain from filing small claims, and bundling your home and auto policies. Take the time to compare rates at least once a year by quoting rates from direct car insurance companies, and also from several local insurance agents.
The next list is a review of the primary concepts that were covered in the above illustrations.
- You may be able to save as much as $140 per year simply by shopping early and online
- Drivers who have several accidents or serious violations pay on average $1,420 more each year to buy Mazda CX-3 insurance
- Increasing policy deductibles could save up to $400 each year
- Drivers age 20 and younger pay the highest prices, with the cost nearing $393 per month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,720 |
| 20 | $2,808 |
| 30 | $1,258 |
| 40 | $1,220 |
| 50 | $1,116 |
| 60 | $1,094 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,486 |
| $250 | $1,362 |
| $500 | $1,220 |
| $1,000 | $1,082 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,220 |
| 50/100 | $1,311 |
| 100/300 | $1,425 |
| 250/500 | $1,722 |
| 100 CSL | $1,357 |
| 300 CSL | $1,608 |
| 500 CSL | $1,790 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,700 |
| 20 | $4,472 |
| 30 | $2,676 |
| 40 | $2,636 |
| 50 | $2,518 |
| 60 | $2,496 |
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 | $64 |
| Multi-vehicle | $65 |
| Homeowner | $20 |
| 5-yr Accident Free | $83 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $51 |
| Advance Quote | $57 |
| Online Quote | $85 |
| Total Discounts | $503 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
