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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Average insurance rates for a Mazda 3 are $1,374 a year for full coverage insurance. Comprehensive insurance costs an estimated $282 a year, collision costs $536, and liability coverage costs around $398. A liability-only policy costs as low as $460 a year, with high-risk insurance costing $2,982 or more. Teenage drivers receive the highest rates at $5,156 a year or more.
Average premium for full coverage: $1,374
Rate estimates broken down by individual coverage type:
Includes $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and 3 trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the low end price of $460 for just liability coverage to a high of $2,982 for a driver who requires high-risk insurance.
Price Range by Location
Where you live has a large influence on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than densely populated cities.
The diagram below illustrates the difference location can make on insurance prices.
These examples illustrate why it is important to compare prices for a targeted area, 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.
Detailed Rate Analysis
The chart below illustrates estimated Mazda 3 insurance rates for other coverage scenarios.
- The best discount rate is $790
- Using higher $1,000 deductibles will save approximately $1,188 each year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,374
- Using low $100 deductibles for physical damage coverage will cost an additional $362 each year
- Higher-risk drivers who are prone to accidents and violations could pay up to $2,982 or more
- The cost that insures a teenage driver can cost as much as $5,156 or more
Insurance rates for a Mazda 3 can also vary considerably based on the trim level of your 3, your age and driving record, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you are probably paying $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy can be around 43% to 130% more than a normal policy. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,300 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay at least $5,100 a year. View Rates by Age
Where you live has a huge impact on Mazda 3 insurance rates. A driver around age 40 might see rates as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,860 on average in Florida, New York, and Michigan.
| 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% |
Using high physical damage deductibles could cut rates by as much as $550 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $358 more per year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to figure out which company is cheapest is to get quotes and see how they stack up. Each insurance company uses a different method to calculate rates, so the rates can be significantly different.
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 Find the Cheapest Mazda 3 Insurance
Saving money on auto insurance requires being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Compare prices at every other renewal by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
Below is a recap of the concepts that were touched on in this article.
- Drivers that have major violations or accidents may have to pay on average $1,610 more annually for auto insurance
- Teenage drivers are charged the highest rates, costing up to $430 per month if full coverage is included
- It is possible to save approximately $170 per year simply by quoting early and online
- Increasing deductibles can save approximately $550 each year
- It is possible to save approximately $170 per year simply by quoting early and online
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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