Mazda 3 Insurance Rates

The average insurance prices for a Mazda 3 are $1,374 every 12 months for full coverage insurance. Comprehensive costs on average $282, collision costs $536, and liability is $398. Liability-only coverage costs around $460 a year, with high-risk coverage costing around $2,982. Teens 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:

Price estimates include $500 deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for different 3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. Rural areas are shown to have more infrequent physical damage claims than cities with more traffic congestion.

The price range example below illustrates how location helps determine car insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

The chart below illustrates estimated Mazda 3 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $790
• Raising to $1,000 deductibles will save around $186 each year
• The average price for a good driver age 40 with $500 deductibles is $1,374
• Selecting more expensive low deductibles increases the price to $1,736
• Drivers with serious driving violations could pay upwards of $2,982 or more
• Policy cost to insure a 16-year-old driver with full coverage may cost $5,156

View Chart as Image

Insurance rates for a Mazda 3 also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your 3.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $550 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay upwards of $5,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,600 to $2,200 additional every year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 130% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Mazda 3 insurance prices. A middle-age driver might find rates as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,860 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates from multiple companies. Every auto insurance company calculates rates differently, and 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 Shop for Cheaper Mazda 3 Insurance

Finding cheaper rates on insurance for a Mazda 3 consists of not taking risks behind the wheel, having above-average credit, being claim-free, and insuring your home and auto with the same company. Invest time comparing rates every couple of years by requesting rates from direct insurance companies, and also from several local insurance agents.

The following is a condensed summary of the material that was covered in the charts and tables above.

• Insureds who require higher liability limits will pay approximately $440 annually to raise from a 30/60 limit to a 250/500 level
• Teens pay higher rates, possibly costing $430 each month if full coverage is included
• Drivers considered higher risk with multiple at-fault accidents pay on average $1,610 more each year for 3 insurance
• Increasing comprehensive and collision deductibles could save as much as $550 each year