Mazda CX-3 Insurance Rates

Average insurance rates for a Mazda CX-3 are $1,176 a year for full coverage. Comprehensive insurance costs an estimated $220 a year, collision insurance costs $338, and liability costs around $460. A policy with just liability insurance costs as low as $510 a year, and coverage for high-risk drivers costs $2,534 or more. Teen drivers receive the highest rates at up to $4,576 a year.

Average premium for full coverage: $1,176

Rate estimates broken down by individual coverage type:

Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and CX-3 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on insurance rates. More rural locations tend to have lower incidents of accident claims than larger metro areas. The diagram below illustrates how rural and urban location affects insurance prices.

These examples show why it is important to compare prices for a targeted area, instead of making a decision based 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 other coverage scenarios.

• The lowest rate with discounts is $698
• Using higher $1,000 deductibles will save approximately $1,048 a year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,176
• Choosing low $100 deductibles for physical damage coverage will cost an additional $242 annually
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,534
• The cost that insures a 16-year-old driver can cost as much as $4,576 or more

View Chart as Image

Insurance rates for a Mazda CX-3 can also vary considerably based on the trim level of your CX-3, how you drive, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you could be paying $1,400 to $2,000 additional per year, depending on your age. A high-risk auto insurance policy can be from 44% to 133% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay at least $4,500 a year. View Rates by Age

Where you live has a huge impact on Mazda CX-3 insurance prices. A driver around age 40 might see rates as low as $780 a year in states like Iowa, Maine, and Idaho, or as much as $1,680 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $370 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

How to Find the Right Mazda CX-3 Insurance

Saving money on insurance for a Mazda CX-3 requires avoiding accidents and violations, having a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Shop around every other policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a quick rundown of the ideas that were raised in the charts and tables above.

• Teenagers are expensive to insure, costing as high as $381 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,360 more annually for car insurance
• Increasing deductibles can save approximately $375 each year
• Drivers can save approximately $140 per year just by quoting early and online