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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Average insurance rates for a Mazda 3 are $1,374 a year with full coverage. Comprehensive insurance costs around $282 each year, collision costs $536, and liability costs $398. A policy with just liability insurance costs as little as $460 a year, with coverage for high-risk drivers costing $2,982 or more. Teenage drivers receive the highest rates at $5,156 a year or more.
Average premium for full coverage: $1,374
Rate estimates for individual coverage type:
Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and 3 models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as low as $460 for just the minimum liability insurance to a high rate of $2,982 for a driver that may need high-risk insurance.
Price Range by Location
Your location can have significant affects on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than densely populated cities.
The graphic below illustrates how your location can change auto insurance rates.
These examples demonstrate why all drivers should compare rates for a specific zip code and risk profile, instead of using average rates.
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.
Additional Rate Analysis
The chart below details estimated Mazda 3 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $790
- Drivers who choose higher $1,000 deductibles will pay about $186 annually
- The average rate for a 40-year-old driver using $500 deductibles is $1,374
- Using low deductibles for comprehensive and collision insurance will cost an extra $362 every year
- Higher-risk drivers who are prone to accidents and violations could pay at least $2,982 or more
- The cost for full coverage for a teen driver can be $5,156 a year
Insurance rates for a Mazda 3 can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.
More mature drivers with no violations or accidents and high deductibles may pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $5,100 a year. View Rates by Age
Where you live makes a big difference in Mazda 3 insurance prices. A 40-year-old driver could pay as low as $990 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,860 on average in Florida, Michigan, and New York.
| 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% |
Using high physical damage deductibles could save up to $550 every year, whereas increasing liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $358 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out at least $1,600 to $2,200 additional per year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the best way to find out your exact price is to do a rate comparison and see which company has the best rate. Every company uses a different method to calculate rates, and rates can be significantly different from one company to the next.
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 Find More Affordable Mazda 3 Insurance
Saving money on car insurance not only requires being a good driver, but also having a good credit history, eliminating unnecessary coverage, and taking advantage of discounts. Invest the time to shop around once a year by requesting rates from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.
The following list is a summary of the data that was illustrated above.
- You may be able to save up to $170 per year simply by quoting online in advance
- Policyholders who may need an increased level of liability coverage will pay an extra $440 every year to go from a minimum limit to 250/500 limits
- Drivers age 16 to 20 are charged the highest rates, with premiums as much as $430 per month including comprehensive and collision insurance
- Higher risk drivers who have multiple accidents or major violations pay an average of $1,610 more every year than a safer driver
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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