Mazda 3 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
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Estimated auto insurance rates for a Mazda 3 are $1,374 annually with full coverage. Comprehensive insurance costs approximately $282 a year, collision costs $536, and liability coverage is $398. A liability-only policy costs around $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:
Rates are based on $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and 3 trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Mazda 3 go from as cheap as $460 for the bare minimum liability coverage to a high of $2,982 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on the price of insurance. Rural locations are statistically proven to have fewer collision claims than densely populated cities.
The diagram below illustrates how where you live affects auto insurance prices.
These rate differences demonstrate why it is important to compare rates quotes using their specific location and their own personal driving habits, rather than using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below details estimated Mazda 3 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $790
- Raising to $1,000 deductibles will save $1,188 annually
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,374
- Using low $100 deductibles costs an additional $362 each year
- Unlucky drivers who are prone to accidents and violations could pay around $2,982 or more
- An auto insurance policy with full coverage for a teenage driver can cost $5,156
Auto insurance prices for a Mazda 3 also have a wide range based on the model of your 3, your driving record, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high physical damage deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay in the ballpark of $5,100 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,600 to $2,200 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce prices by up to $550 a year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $358 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Mazda 3 insurance rates. A middle-age driver might find prices as low as $990 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,860 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,242 | -$132 | -9.6% |
| Alaska | $1,056 | -$318 | -23.1% |
| Arizona | $1,142 | -$232 | -16.9% |
| Arkansas | $1,374 | -$0 | 0.0% |
| California | $1,568 | $194 | 14.1% |
| Colorado | $1,312 | -$62 | -4.5% |
| Connecticut | $1,416 | $42 | 3.1% |
| Delaware | $1,556 | $182 | 13.2% |
| Florida | $1,720 | $346 | 25.2% |
| Georgia | $1,270 | -$104 | -7.6% |
| Hawaii | $988 | -$386 | -28.1% |
| Idaho | $930 | -$444 | -32.3% |
| Illinois | $1,026 | -$348 | -25.3% |
| Indiana | $1,034 | -$340 | -24.7% |
| Iowa | $928 | -$446 | -32.5% |
| Kansas | $1,308 | -$66 | -4.8% |
| Kentucky | $1,876 | $502 | 36.5% |
| Louisiana | $2,034 | $660 | 48.0% |
| Maine | $850 | -$524 | -38.1% |
| Maryland | $1,132 | -$242 | -17.6% |
| Massachusetts | $1,100 | -$274 | -19.9% |
| Michigan | $2,390 | $1,016 | 73.9% |
| Minnesota | $1,152 | -$222 | -16.2% |
| Mississippi | $1,648 | $274 | 19.9% |
| Missouri | $1,220 | -$154 | -11.2% |
| Montana | $1,476 | $102 | 7.4% |
| Nebraska | $1,084 | -$290 | -21.1% |
| Nevada | $1,650 | $276 | 20.1% |
| New Hampshire | $990 | -$384 | -27.9% |
| New Jersey | $1,538 | $164 | 11.9% |
| New Mexico | $1,220 | -$154 | -11.2% |
| New York | $1,448 | $74 | 5.4% |
| North Carolina | $792 | -$582 | -42.4% |
| North Dakota | $1,126 | -$248 | -18.0% |
| Ohio | $950 | -$424 | -30.9% |
| Oklahoma | $1,412 | $38 | 2.8% |
| Oregon | $1,260 | -$114 | -8.3% |
| Pennsylvania | $1,312 | -$62 | -4.5% |
| Rhode Island | $1,836 | $462 | 33.6% |
| South Carolina | $1,248 | -$126 | -9.2% |
| South Dakota | $1,160 | -$214 | -15.6% |
| Tennessee | $1,204 | -$170 | -12.4% |
| Texas | $1,658 | $284 | 20.7% |
| Utah | $1,018 | -$356 | -25.9% |
| Vermont | $940 | -$434 | -31.6% |
| Virginia | $822 | -$552 | -40.2% |
| Washington | $1,064 | -$310 | -22.6% |
| West Virginia | $1,260 | -$114 | -8.3% |
| Wisconsin | $952 | -$422 | -30.7% |
| Wyoming | $1,224 | -$150 | -10.9% |
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate prices, and quoted prices will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda 3 I Sport 4-Dr Sedan | $1,290 | $108 |
| Mazda 3 I SV 4-Dr Sedan | $1,290 | $108 |
| Mazda 3 I Touring 4-Dr Sedan | $1,374 | $115 |
| Mazda 3 S Sport 4-Dr Hatchback | $1,416 | $118 |
| Mazda 3 S Sport 4-Dr Sedan | $1,416 | $118 |
| Mazda 3 S Grand Touring 4-Dr Hatchback | $1,458 | $122 |
| Mazda 3 S Grand Touring 4-Dr Sedan | $1,458 | $122 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Mazda 3 | $282 | $536 | $398 | $1,374 |
| 2023 Mazda 3 | $272 | $524 | $416 | $1,370 |
| 2022 Mazda 3 | $262 | $502 | $430 | $1,352 |
| 2021 Mazda 3 | $248 | $484 | $442 | $1,332 |
| 2020 Mazda 3 | $238 | $450 | $452 | $1,298 |
| 2019 Mazda 3 | $230 | $424 | $456 | $1,268 |
| 2018 Mazda 3 | $220 | $380 | $460 | $1,218 |
| 2017 Mazda 3 | $206 | $350 | $460 | $1,174 |
| 2016 Mazda 3 | $198 | $328 | $464 | $1,148 |
| 2015 Mazda 3 | $194 | $306 | $474 | $1,132 |
| 2014 Mazda 3 | $180 | $284 | $474 | $1,096 |
| 2013 Mazda 3 | $174 | $258 | $478 | $1,068 |
| 2012 Mazda 3 | $162 | $236 | $474 | $1,030 |
| 2011 Mazda 3 | $152 | $214 | $474 | $998 |
| 2010 Mazda 3 | $148 | $192 | $468 | $966 |
| 2009 Mazda 3 | $146 | $188 | $460 | $952 |
| 2008 Mazda 3 | $144 | $178 | $452 | $932 |
| 2007 Mazda 3 | $132 | $170 | $446 | $906 |
Rates are averaged for all Mazda 3 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best Cheap Mazda 3 Insurance
Finding better rates on auto insurance consists of being a low-risk driver, having above-average credit, being claim-free, and not having any coverage lapses. Take the time to comparison shop every couple of years by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.
The items below are a quick review of the material that was touched on in the above illustrations.
- Consumers who purchase more liability coverage will pay an extra $440 every year to raise from 30/60 bodily injury limits to higher 250/500 limits
- Teen drivers have the highest car insurance prices, possibly costing $430 per month if full coverage is included
- Drivers with a DUI or reckless driving violation may pay on average $1,610 more per year to insure their 3
- Increasing policy deductibles could save up to $550 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,156 |
| 20 | $3,190 |
| 30 | $1,436 |
| 40 | $1,374 |
| 50 | $1,258 |
| 60 | $1,234 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,736 |
| $250 | $1,568 |
| $500 | $1,374 |
| $1,000 | $1,188 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,374 |
| 50/100 | $1,538 |
| 100/300 | $1,637 |
| 250/500 | $1,896 |
| 100 CSL | $1,577 |
| 300 CSL | $1,796 |
| 500 CSL | $1,956 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,356 |
| 20 | $5,072 |
| 30 | $3,046 |
| 40 | $2,982 |
| 50 | $2,846 |
| 60 | $2,822 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $73 |
| Multi-vehicle | $72 |
| Homeowner | $20 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $63 |
| Advance Quote | $68 |
| Online Quote | $97 |
| Total Discounts | $584 |
Discounts are estimated and may not be available from every company or in every state.
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