Mazda 3 Insurance Rates

The average insurance rates for a Mazda 3 are $1,374 a year for full coverage. Comprehensive insurance costs around $282 each year, collision costs $536, and liability coverage costs around $398. Liability-only insurance costs as low as $460 a year, with high-risk driver insurance costing $2,982 or more. Teens cost the most to insure at $5,156 a year or more.

Average premium for full coverage: $1,374

Policy rates for type of insurance:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and 3 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than cities with more traffic congestion.

The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above show why all drivers should compare prices for a specific zip code, rather than using averaged prices.

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

Additional Rate Analysis

The chart below shows estimated Mazda 3 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $790
• Using higher $1,000 deductibles will save about $186 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,374
• Selecting low deductibles for physical damage coverage will cost an additional $362 each year
• Higher-risk drivers with serious driving violations could pay at least $2,982 or more
• Policy cost that insures a teenage driver can be $5,156 or more

View Chart as Image

Auto insurance rates for a Mazda 3 also range considerably based on the trim level and model year, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,600 to $2,200 in extra premium every year, depending on your age. Insurance for high-risk drivers can be around 43% to 130% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $5,100 a year. View Rates by Age

Your home state has a huge impact on Mazda 3 insurance rates. A driver around age 40 might see rates as low as $910 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,960 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $550 a year, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know your exact price is to do a rate comparison and see how they stack up. Each insurance company calculates rates differently, and quoted 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 Find More Affordable Mazda 3 Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates once a year by getting quotes from direct carriers, and also from several local insurance agents.

The points below are a summary of the data that was covered above.

• Drivers can save up to $170 per year simply by quoting online in advance
• Consumers who may need increased liability limits will pay approximately $440 each year to increase from a 30/60 limit to the 250/500 level
• Drivers under the age of 20 are expensive to insure, costing up to $430 each month if the policy includes full coverage
• Drivers who have multiple accidents or major violations pay on average $1,610 more every year to insure a Mazda 3