Mazda 3 Insurance Rates

U.S. average insurance rates for a Mazda 3 are $1,374 a year with full coverage. Comprehensive insurance costs an estimated $282, collision costs $536, and liability costs around $398. A policy with just liability insurance costs as low as $460 a year, with coverage for high-risk drivers costing $2,982 or more. Teen drivers pay the highest rates at $5,156 a year or more.

Average premium for full coverage: $1,374

Price estimates broken down by individual coverage:

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for all 3 models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. More rural locations have lower incidents of collision claims than larger metro areas.

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

The ranges above demonstrate why everyone should compare prices for a targeted area, instead of making a decision based on price averages.

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

Rates by State, City, and Model

The chart below details estimated Mazda 3 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $790
• Using higher $1,000 deductibles will save approximately $186 annually
• The estimated price for the average middle-age driver who has $500 deductibles is $1,374
• Choosing pricier low deductibles for physical damage coverage will cost an additional $362 annually
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,982 or more
• The price that insures a 16-year-old driver for full coverage can cost as much as $5,156 or more

View Chart as Image

Insurance prices for a Mazda 3 are also quite variable based on the model of your 3, your age and driving habits, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you may be forking out $1,600 to $2,200 extra each year, depending on your age. Mazda 3 insurance for high-risk drivers can be from 43% to 130% more than average. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $5,100 a year. View Rates by Age

The state you live in has a huge impact on Mazda 3 insurance prices. A driver around age 40 might see prices as low as $990 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,860 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could cut prices by as much as $550 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out which car insurance is cheapest is to regularly compare prices from multiple companies. Each insurance company uses a different rate calculation, so the prices may be quite different.

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 Cheaper Mazda 3 Insurance

Getting lower rates on insurance for a Mazda 3 requires having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Shop around at least once a year by obtaining price quotes from direct companies, and also from insurance agencies where you live.

The following items are a condensed summary of the primary concepts that were 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
• Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,610 more annually than a driver with a clean driving record
• Increasing physical damage deductibles can save approximately $550 each year
• 16 to 18-year-old drivers are charged the highest prices, costing up to $430 a month if full coverage is included