Mazda 3 Insurance Rates

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UPDATED: Apr 23, 2024

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Average auto insurance rates for a Mazda 3 are $1,374 annually with full coverage. Comprehensive insurance costs approximately $282, collision costs $536, and liability coverage is $398. Liability-only coverage costs around $460 a year, with high-risk coverage costing $2,982 or more. Teens receive the highest rates at $5,156 a year or more.

Average premium for full coverage: $1,374

Rate estimates by individual coverage type:

Comprehensive $282
Collision $536
Liability $398

Estimates include $500 physical damage deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for different 3 trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as cheap as $460 for liability-only coverage to a much higher rate of $2,982 for high-risk insurance.

Liability Only $460
Full Coverage $1,374
High Risk $2,982

Price Range by Location

Choosing to live in a large city has a large influence on the price of insurance. Rural locations tend to have fewer collision claims than cities with more traffic congestion.

The price range example below illustrates how location helps determine auto insurance prices.

Rural Areas $1,031
Small Cities $1,443
Large Cities $1,855

These examples demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, rather than using averaged prices.

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.

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Additional Charts and Tables

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

  • The cheapest rate after discounts is $790
  • Raising to $1,000 deductibles will save $186 annually
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,374
  • Selecting more expensive low deductibles costs an additional $362 each year
  • Unlucky drivers with serious driving violations could pay around $2,982 or more
  • The cost with full coverage for a teenage driver with full coverage can cost $5,156

View Chart as Image

Mazda 3 insurance cost comparison chart
Column chart showing full coverage Mazda 3 insurance prices range from $790 to $5,156

Car insurance rates for a Mazda 3 can also vary considerably based on the trim level of your 3, your driving record, and physical damage deductibles and liability limits.

An older driver with no driving violations and high physical damage deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $550 a year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Mazda 3 insurance rates. A middle-age driver might find rates as low as $990 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,860 on average in New York, Michigan, and Florida.

Mazda 3 Insurance Rates by State
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%

View Chart as Image

Mazda 3 insurance rates by U.S. city

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to compare rates and see how they stack up. Every auto insurance company calculates rates differently, so rate quotes can be significantly different between companies.

Insurance Rates by Trim Level and Model Year

Mazda 3 Insurance Rates by Model and Trim Level
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.

Mazda 3 Insurance Rates by Model Year
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 Buy Low Cost Mazda 3 Insurance

Saving money on auto insurance consists of being a safe and courteous driver, having a good credit score, eliminating unnecessary coverage, and avoiding coverage lapses. Invest time comparing rates every couple of years by getting rate quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below is a review of the material that was covered in the charts and tables above.

  • Consumers who purchase higher levels of liability will pay approximately $440 every year to raise from a minimum limit to higher 250/500 limits
  • Teenage drivers pay the highest auto insurance rates, with premiums as much as $430 per month if comprehensive and collision insurance is included
  • Drivers who have several accidents or serious violations may pay on average $1,610 more per year for auto insurance
  • Increasing deductibles could save up to $550 each year

Rates by Driver Age

Mazda 3 Insurance 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

Mazda 3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,736
$250 $1,568
$500 $1,374
$1,000 $1,188

Full coverage, driver age 40

Rates by Liability Limit

Mazda 3 Insurance Rates with Different Liability Limits
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

Mazda 3 Insurance 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.

SR-22 Surcharge $193

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
Rate after discounts $790

Discounts are estimated and may not be available from every company or in every state.

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