Mazda 3 Insurance Rates
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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 23, 2024
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The average insurance prices for a Mazda 3 are $1,374 every 12 months for full coverage. Comprehensive insurance costs an estimated $282 a year, collision costs $536, and liability costs $398. Buying just liability costs as little as $460 a year, with insurance for high-risk drivers costing $2,982 or more. Teen drivers cost the most to insure at $5,156 a year or more.
Average premium for full coverage: $1,374
Policy rates broken down by type of insurance:
Prices are based on $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and 3 trim levels.
Price Range Variability
Using a middle-aged driver as an example, Mazda 3 insurance rates go from the cheapest price of $460 for basic liability insurance to a high of $2,982 for high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on insurance rates. More rural locations are shown to have more infrequent accident claims than larger metro areas.
The diagram below illustrates how where you live affects insurance prices.
The examples above show why it is important to compare rates for a targeted area and their own driving history, instead of making a decision based on 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 shows estimated Mazda 3 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $790
- Drivers who choose higher $1,000 deductibles will pay approximately $1,188 a year
- The average price for a good driver age 40 who has $500 deductibles is $1,374
- Choosing low $100 deductibles for comprehensive and collision insurance costs an extra $362 annually
- Drivers with multiple violations and an at-fault accident could pay up to $2,982 or more
- Policy cost to insure a 16-year-old driver can cost as much as $5,156 a year
Insurance rates for a Mazda 3 also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.
Choosing high deductibles could save up to $550 annually, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay at least $5,100 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can cost from 43% to 130% more than average. View High Risk Driver Rates
Your home state makes a big difference in Mazda 3 insurance prices. A 40-year-old driver could pay as low as $910 a year in states like Iowa, Maine, and Idaho, or as much as $1,960 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,242 | -$132 | -9.6% |
| Alaska | $1,056 | -$318 | -23.1% |
| Arizona | $1,142 | -$232 | -16.9% |
| Arkansas | $1,374 | -$0 | 0.0% |
| California | $1,568 | $194 | 14.1% |
| Colorado | $1,312 | -$62 | -4.5% |
| Connecticut | $1,416 | $42 | 3.1% |
| Delaware | $1,556 | $182 | 13.2% |
| Florida | $1,720 | $346 | 25.2% |
| Georgia | $1,270 | -$104 | -7.6% |
| Hawaii | $988 | -$386 | -28.1% |
| Idaho | $930 | -$444 | -32.3% |
| Illinois | $1,026 | -$348 | -25.3% |
| Indiana | $1,034 | -$340 | -24.7% |
| Iowa | $928 | -$446 | -32.5% |
| Kansas | $1,308 | -$66 | -4.8% |
| Kentucky | $1,876 | $502 | 36.5% |
| Louisiana | $2,034 | $660 | 48.0% |
| Maine | $850 | -$524 | -38.1% |
| Maryland | $1,132 | -$242 | -17.6% |
| Massachusetts | $1,100 | -$274 | -19.9% |
| Michigan | $2,390 | $1,016 | 73.9% |
| Minnesota | $1,152 | -$222 | -16.2% |
| Mississippi | $1,648 | $274 | 19.9% |
| Missouri | $1,220 | -$154 | -11.2% |
| Montana | $1,476 | $102 | 7.4% |
| Nebraska | $1,084 | -$290 | -21.1% |
| Nevada | $1,650 | $276 | 20.1% |
| New Hampshire | $990 | -$384 | -27.9% |
| New Jersey | $1,538 | $164 | 11.9% |
| New Mexico | $1,220 | -$154 | -11.2% |
| New York | $1,448 | $74 | 5.4% |
| North Carolina | $792 | -$582 | -42.4% |
| North Dakota | $1,126 | -$248 | -18.0% |
| Ohio | $950 | -$424 | -30.9% |
| Oklahoma | $1,412 | $38 | 2.8% |
| Oregon | $1,260 | -$114 | -8.3% |
| Pennsylvania | $1,312 | -$62 | -4.5% |
| Rhode Island | $1,836 | $462 | 33.6% |
| South Carolina | $1,248 | -$126 | -9.2% |
| South Dakota | $1,160 | -$214 | -15.6% |
| Tennessee | $1,204 | -$170 | -12.4% |
| Texas | $1,658 | $284 | 20.7% |
| Utah | $1,018 | -$356 | -25.9% |
| Vermont | $940 | -$434 | -31.6% |
| Virginia | $822 | -$552 | -40.2% |
| Washington | $1,064 | -$310 | -22.6% |
| West Virginia | $1,260 | -$114 | -8.3% |
| Wisconsin | $952 | -$422 | -30.7% |
| Wyoming | $1,224 | -$150 | -10.9% |
Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes from multiple companies. Every company uses a different rate calculation, so the rates will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda 3 I Sport 4-Dr Sedan | $1,290 | $108 |
| Mazda 3 I SV 4-Dr Sedan | $1,290 | $108 |
| Mazda 3 I Touring 4-Dr Sedan | $1,374 | $115 |
| Mazda 3 S Sport 4-Dr Hatchback | $1,416 | $118 |
| Mazda 3 S Sport 4-Dr Sedan | $1,416 | $118 |
| Mazda 3 S Grand Touring 4-Dr Hatchback | $1,458 | $122 |
| Mazda 3 S Grand Touring 4-Dr Sedan | $1,458 | $122 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Mazda 3 | $282 | $536 | $398 | $1,374 |
| 2023 Mazda 3 | $272 | $524 | $416 | $1,370 |
| 2022 Mazda 3 | $262 | $502 | $430 | $1,352 |
| 2021 Mazda 3 | $248 | $484 | $442 | $1,332 |
| 2020 Mazda 3 | $238 | $450 | $452 | $1,298 |
| 2019 Mazda 3 | $230 | $424 | $456 | $1,268 |
| 2018 Mazda 3 | $220 | $380 | $460 | $1,218 |
| 2017 Mazda 3 | $206 | $350 | $460 | $1,174 |
| 2016 Mazda 3 | $198 | $328 | $464 | $1,148 |
| 2015 Mazda 3 | $194 | $306 | $474 | $1,132 |
| 2014 Mazda 3 | $180 | $284 | $474 | $1,096 |
| 2013 Mazda 3 | $174 | $258 | $478 | $1,068 |
| 2012 Mazda 3 | $162 | $236 | $474 | $1,030 |
| 2011 Mazda 3 | $152 | $214 | $474 | $998 |
| 2010 Mazda 3 | $148 | $192 | $468 | $966 |
| 2009 Mazda 3 | $146 | $188 | $460 | $952 |
| 2008 Mazda 3 | $144 | $178 | $452 | $932 |
| 2007 Mazda 3 | $132 | $170 | $446 | $906 |
Rates are averaged for all Mazda 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 Affordable Mazda 3 Insurance
Finding cheaper rates on insurance for a Mazda 3 not only requires being a good driver, but also having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop every couple of years by quoting rates from direct carriers, and also from several local insurance agents.
The following list is a brief review of the material that was touched on in the above illustrations.
- Insureds who want an increased level of liability coverage will pay about $440 each year to go from a 30/60 limit to a 250/500 level
- Drivers age 16 to 20 are charged the highest rates, costing up to $430 each month if they have full coverage
- Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,610 more annually than a safer driver
- Increasing comprehensive and collision deductibles could save as much as $550 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,156 |
| 20 | $3,190 |
| 30 | $1,436 |
| 40 | $1,374 |
| 50 | $1,258 |
| 60 | $1,234 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,736 |
| $250 | $1,568 |
| $500 | $1,374 |
| $1,000 | $1,188 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,374 |
| 50/100 | $1,538 |
| 100/300 | $1,637 |
| 250/500 | $1,896 |
| 100 CSL | $1,577 |
| 300 CSL | $1,796 |
| 500 CSL | $1,956 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,356 |
| 20 | $5,072 |
| 30 | $3,046 |
| 40 | $2,982 |
| 50 | $2,846 |
| 60 | $2,822 |
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 | $73 |
| Multi-vehicle | $72 |
| Homeowner | $20 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $63 |
| Advance Quote | $68 |
| Online Quote | $97 |
| Total Discounts | $584 |
Discounts are estimated and may not be available from every company or in every state.
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