Mazda 3 Insurance Rates

The 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 is $398. Buying just liability costs around $460 a year, with insurance for high-risk drivers costing $2,982 or more. 16-year-old drivers cost the most to insure at $5,156 a year or more.

Average premium for full coverage: $1,374

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are shown to have fewer collision claims than congested cities.

The example below illustrates the difference location can make on auto insurance prices.

The examples above demonstrate why everyone should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $790
• Raising to $1,000 deductibles will save $186 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,374
• Buying pricier low deductibles costs an additional $362 annually
• Drivers with multiple tickets or accidents could pay around $2,982 or more
• Policy cost with full coverage for a 16-year-old driver for full coverage can cost $5,156

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

A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $5,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,600 to $2,200 extra every year, depending on your age. Mazda 3 insurance for high-risk drivers is expensive and can cost from 43% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $550 annually, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

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

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Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from multiple companies. Every auto insurance company utilizes a different rate formula, so the rates will be varied between companies.

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 Buy More Affordable Mazda 3 Insurance

Finding cheaper rates on insurance for a Mazda 3 consists of being safe and accident-free, having a good credit history, not filing small claims, and maximizing policy discounts. Make time to compare rates every time your policy renews by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a summary of the information touched on in this article.

• You may be able to save around $170 per year simply by quoting online well ahead of the renewal date
• Youthful drivers are expensive to insure, as much as $430 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles could save up to $550 each year
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,610 more per year than a low-risk driver
• Insureds who purchase more liability protection will pay around $440 every year to raise from a 30/60 limit to higher 250/500 limits