Mazda 3 Insurance Rates

Estimated insurance rates for a Mazda 3 are $1,374 a year for full coverage. Comprehensive insurance costs approximately $282, collision costs $536, and liability insurance is estimated at $398. A liability-only policy costs approximately $460 a year, with high-risk insurance costing $2,982 or more. Teenage drivers pay the most at $5,156 a year or more.

Average premium for full coverage: $1,374

Premium estimates by type of coverage:

Estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and for different 3 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than densely populated cities.

The price range example below illustrates how where you live affects auto insurance prices.

These rate differences show why anyone shopping for car insurance should get quotes using their specific location, rather than relying on average rates.

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

More Rate Information

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

• The best discount rate is $790
• Choosing higher $1,000 deductibles can save $186 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,374
• Using more expensive low deductibles for comp and collision coverage will cost an additional $362 a year
• High-risk insureds who are prone to accidents and violations could pay around $2,982 or more
• An auto insurance policy that insures a teen driver with full coverage can cost $5,156 each year

View Chart as Image

Auto insurance prices for a Mazda 3 also have a wide range based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,600 to $2,200 in extra premium annually, depending on your age. High-risk driver insurance ranges anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $5,100 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Mazda 3 insurance rates. A good driver about age 40 could pay as low as $910 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,960 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $550 each year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $358 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, and quoted prices will be substantially 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 Low Cost Mazda 3 Insurance

Finding better rates on Mazda 3 insurance takes being a low-risk driver, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Compare prices every other policy renewal by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The items below are a review of the ideas that were touched on in the above illustrations.

• Teen drivers have the highest car insurance prices, as much as $430 per month if the policy includes full coverage
• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,610 more per year to insure their 3
• Increasing policy deductibles can save approximately $550 each year
• Drivers can save around $170 per year simply by shopping early and online