Mazda 3 Insurance Rates

The average insurance prices for a Mazda 3 are $1,374 every 12 months including full coverage. Comprehensive insurance costs an estimated $282, collision costs $536, and liability coverage 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:

These estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all 3 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The example below illustrates the effect of geographic area on insurance prices.

The examples above highlight why everyone should compare rates for a targeted area and their own driving history, rather than using price averages.

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

More Rate Details

The chart below breaks down 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 $186 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,374
• Choosing pricier low deductibles for comprehensive and collision insurance costs an extra $362 each year
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,982 or more
• Policy cost to insure a teenage driver for full coverage can cost as much as $5,156 a year

View Chart as Image

Insurance rates for a Mazda 3 also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Choosing high deductibles could save up to $550 a year, whereas buying more liability protection will increase premiums. Changing 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

A more mature driver with a clean driving record and higher deductibles may only pay around $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 are likely paying $1,600 to $2,200 extra every year, depending on your age. Mazda 3 insurance for high-risk drivers can cost around 43% to 130% more than average. View High Risk Driver Rates

Your home state makes a big difference in Mazda 3 insurance rates. A 40-year-old driver could pay as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,960 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates and see how they stack up. Every company uses a different rate calculation, so the rates will be varied.

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 Shop for Cheap Mazda 3 Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Take the time to compare rates once a year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The following list is a brief summary of the data that was covered in the above illustrations.

• You may be able to save approximately $170 per year simply by quoting online well ahead of the renewal date
• Consumers who want an increased level of liability coverage will pay about $440 per year to go from a 30/60 limit to a 250/500 level
• Drivers age 16 to 20 are charged the highest rates, with premiums being up to $430 each month if they have full coverage
• Drivers that tend to have accidents or serious violations may have to pay on average $1,610 more annually than a safer driver