Mazda 3 Insurance Rates

U.S. average auto insurance rates for a Mazda 3 are $1,374 annually with full coverage. Comprehensive insurance costs approximately $282 each year, collision costs $536, and liability coverage costs $398. Liability-only coverage costs as little as $460 a year, with high-risk coverage costing $2,982 or more. Teenage drivers pay the highest rates at $5,156 a year or more.

Average premium for full coverage: $1,374

Price estimates by individual coverage:

These estimates include $500 deductible amounts, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and 3 models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of insurance. Rural locations have fewer collision claims than densely populated cities.

The graphic below illustrates how location helps determine auto insurance prices.

The ranges above demonstrate why all drivers should compare rates using their specific location and their own personal driving habits, rather than using average rates.

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

More Rate Information

The chart below details estimated Mazda 3 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $790
• Drivers who choose higher $1,000 deductibles will pay $186 annually
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,374
• Using low deductibles for comprehensive and collision insurance costs an additional $362 each year
• High-risk insureds who are prone to accidents and violations could pay around $2,982 or more
• The price with full coverage for a teenage driver can cost $5,156 a year

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Auto insurance prices for a Mazda 3 are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,600 to $2,200 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost around 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $550 a year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $358 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Mazda 3 insurance rates. A 40-year-old driver could pay as low as $990 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,860 on average in New York, Michigan, and Florida.

View Chart as Image

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison and see how they stack up. Every company uses a different method to calculate prices, and quoted prices may be quite different between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2024 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy Cheap Mazda 3 Insurance

Getting lower rates on auto insurance not only requires having a good driving record, but also having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Invest time comparing rates every year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The next list is a brief summary of the coverage data covered in the charts and tables above.

• You may be able to save around $170 per year simply by quoting online in advance
• Increasing physical damage deductibles could save up to $550 each year
• Drivers age 20 and younger have the highest car insurance prices, costing up to $430 a month if full coverage is included
• Drivers that tend to have accidents or serious violations may pay on average $1,610 more per year to buy Mazda 3 insurance