Mazda 3 Insurance Rates

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UPDATED: Apr 23, 2024

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Average insurance prices for a Mazda 3 are $1,374 every 12 months with full coverage. Comprehensive costs around $282 a year, collision costs $536, and liability coverage costs $398. A liability-only policy costs as little as $460 a year, with high-risk insurance costing around $2,982. 16-year-old drivers receive the highest rates at $5,156 a year or more.

Average premium for full coverage: $1,374

Rate estimates for individual coverage type:

Comprehensive $282
Collision $536
Liability $398

Full coverage includes $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and 3 trim levels.

Price Range by Coverage and Risk

For the average driver, prices range go from the cheapest price of $460 for basic liability insurance to a high of $2,982 for a high-risk driver policy.

Liability Only $460
Full Coverage $1,374
High Risk $2,982

Price Range by Location

Your location has a large influence on insurance rates. Areas with sparse population tend to have more infrequent collision claims than congested cities.

The diagram below illustrates how location impacts auto insurance rates.

Rural Areas $1,031
Small Cities $1,443
Large Cities $1,855

These examples demonstrate why it is important to compare rates for a specific zip code and their own driving history, rather than using rate averages.

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.

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Rate Comparisons

The chart below details estimated Mazda 3 insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $790
  • Drivers who choose higher $1,000 deductibles will pay about $1,188 annually
  • The average price for a 40-year-old driver using $500 deductibles is $1,374
  • Buying low $100 deductibles for comprehensive and collision insurance increases the price to $1,736
  • High-risk insureds with multiple tickets or accidents could pay at least $2,982 or more
  • The cost to insure a teenage driver can be $5,156 a year

View Chart as Image

Mazda 3 insurance cost comparison chart
Column chart showing full coverage Mazda 3 insurance rates range from $790 to $5,156

Insurance rates for a Mazda 3 can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.

Opting for high physical damage deductibles could save up to $550 a year, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $358 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $1,300 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay as much as $5,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy can cost around 43% to 130% more than the average rate. View High Risk Driver Rates

Where you live makes a big difference in Mazda 3 insurance rates. A 40-year-old driver could pay as low as $990 a year in states like New Hampshire, Ohio, and Utah, or at least $1,860 on average in Florida, Michigan, and New York.

Mazda 3 Insurance Rates by State
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%

View Chart as Image

Mazda 3 insurance rates by U.S. city

With so much variability in rates, the best way to find out your exact price is to get quotes and see how they stack up. Every company utilizes a different rate formula, so the rates can be significantly different.

Insurance Rates by Trim Level and Model Year

Mazda 3 Insurance Rates by Model and Trim Level
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.

Mazda 3 Insurance Rates by Model Year
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 Shop for More Affordable Mazda 3 Insurance

Saving money on auto insurance not only requires being a low-risk driver, but also having good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Spend time shopping around every time your policy renews by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a summary of the information touched on above.

  • You may be able to save up to $170 per year simply by quoting early and online
  • Teen drivers pay higher rates, with premiums as much as $430 per month if they have full coverage
  • Increasing deductibles could save as much as $550 each year
  • Drivers who have multiple accidents or major violations pay on average $1,610 more every year to insure their 3
  • Consumers who may need more liability coverage will pay around $440 every year to go from a minimum limit to a 250/500 level

Rates by Driver Age

Mazda 3 Insurance 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

Mazda 3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,736
$250 $1,568
$500 $1,374
$1,000 $1,188

Full coverage, driver age 40

Rates by Liability Limit

Mazda 3 Insurance Rates with Different Liability Limits
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

Mazda 3 Insurance 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.

SR-22 Surcharge $193

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
Rate after discounts $790

Discounts are estimated and may not be available from every company or in every state.

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