Mazda 3 Insurance Rates
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UPDATED: Jun 6, 2023
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Average insurance rates for a Mazda 3 are $1,268 a year with full coverage. Comprehensive costs around $230, collision costs $424, and liability insurance is estimated at $456. Liability-only coverage costs approximately $508 a year, with high-risk coverage costing around $2,750. Teenage drivers receive the highest rates at $4,904 a year or more.
Average premium for full coverage: $1,268
Rate estimates for individual coverage type:
Price estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different 3 trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the low end price of $508 for just liability insurance to a much higher rate of $2,750 for a high-risk driver policy.
Price Range by Location
Living in a larger city has a significant impact on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than densely populated cities.
The price range example below illustrates how your location can change auto insurance rates.
These examples demonstrate why anyone shopping for car insurance should get quotes for a specific zip code, rather than relying on 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.
More Rate Details
The chart below details estimated Mazda 3 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $737
- Choosing higher $1,000 deductibles can save about $150 annually
- The estimated price for a 40-year-old driver using $500 deductibles is $1,268
- Using more expensive low deductibles for comp and collision coverage bumps up the cost to $1,554
- High-risk insureds who are prone to accidents and violations could pay at least $2,750 or more
- The cost that insures a teen driver with full coverage can be $4,904 each year
Car insurance rates for a Mazda 3 can also vary considerably based on the model year and trim level, your age and driving habits, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you may be forking out at least $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $4,900 a year. View Rates by Age
Where you 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 New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,710 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,146 | -$122 | -9.6% |
| Alaska | $972 | -$296 | -23.3% |
| Arizona | $1,052 | -$216 | -17.0% |
| Arkansas | $1,268 | -$0 | 0.0% |
| California | $1,444 | $176 | 13.9% |
| Colorado | $1,210 | -$58 | -4.6% |
| Connecticut | $1,302 | $34 | 2.7% |
| Delaware | $1,434 | $166 | 13.1% |
| Florida | $1,584 | $316 | 24.9% |
| Georgia | $1,168 | -$100 | -7.9% |
| Hawaii | $910 | -$358 | -28.2% |
| Idaho | $856 | -$412 | -32.5% |
| Illinois | $944 | -$324 | -25.6% |
| Indiana | $954 | -$314 | -24.8% |
| Iowa | $854 | -$414 | -32.6% |
| Kansas | $1,204 | -$64 | -5.0% |
| Kentucky | $1,728 | $460 | 36.3% |
| Louisiana | $1,874 | $606 | 47.8% |
| Maine | $784 | -$484 | -38.2% |
| Maryland | $1,046 | -$222 | -17.5% |
| Massachusetts | $1,014 | -$254 | -20.0% |
| Michigan | $2,202 | $934 | 73.7% |
| Minnesota | $1,060 | -$208 | -16.4% |
| Mississippi | $1,516 | $248 | 19.6% |
| Missouri | $1,124 | -$144 | -11.4% |
| Montana | $1,360 | $92 | 7.3% |
| Nebraska | $998 | -$270 | -21.3% |
| Nevada | $1,518 | $250 | 19.7% |
| New Hampshire | $914 | -$354 | -27.9% |
| New Jersey | $1,414 | $146 | 11.5% |
| New Mexico | $1,120 | -$148 | -11.7% |
| New York | $1,336 | $68 | 5.4% |
| North Carolina | $730 | -$538 | -42.4% |
| North Dakota | $1,036 | -$232 | -18.3% |
| Ohio | $874 | -$394 | -31.1% |
| Oklahoma | $1,302 | $34 | 2.7% |
| Oregon | $1,160 | -$108 | -8.5% |
| Pennsylvania | $1,208 | -$60 | -4.7% |
| Rhode Island | $1,690 | $422 | 33.3% |
| South Carolina | $1,148 | -$120 | -9.5% |
| South Dakota | $1,070 | -$198 | -15.6% |
| Tennessee | $1,108 | -$160 | -12.6% |
| Texas | $1,526 | $258 | 20.3% |
| Utah | $940 | -$328 | -25.9% |
| Vermont | $868 | -$400 | -31.5% |
| Virginia | $760 | -$508 | -40.1% |
| Washington | $978 | -$290 | -22.9% |
| West Virginia | $1,160 | -$108 | -8.5% |
| Wisconsin | $876 | -$392 | -30.9% |
| Wyoming | $1,128 | -$140 | -11.0% |
Using high physical damage deductibles can save as much as $440 each year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out your exact price is to compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, so rate quotes 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 | $1,198 | $100 |
| Mazda 3 I SV 4-Dr Sedan | $1,198 | $100 |
| Mazda 3 I Touring 4-Dr Sedan | $1,268 | $106 |
| Mazda 3 S Sport 4-Dr Hatchback | $1,300 | $108 |
| Mazda 3 S Sport 4-Dr Sedan | $1,300 | $108 |
| Mazda 3 S Grand Touring 4-Dr Hatchback | $1,334 | $111 |
| Mazda 3 S Grand Touring 4-Dr Sedan | $1,334 | $111 |
Rates assume 2017 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 |
|---|---|---|---|---|
| 2017 Mazda 3 | $230 | $424 | $456 | $1,268 |
| 2013 Mazda 3 | $194 | $306 | $474 | $1,132 |
| 2010 Mazda 3 | $162 | $236 | $474 | $1,030 |
| 2009 Mazda 3 | $152 | $214 | $474 | $998 |
| 2008 Mazda 3 | $148 | $192 | $468 | $966 |
| 2007 Mazda 3 | $146 | $188 | $460 | $952 |
| 2005 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 Cheaper Mazda 3 Insurance
Saving money on Mazda 3 insurance takes being a low-risk driver, having a positive credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Compare prices every time your policy renews by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The items below are a condensed summary of the information illustrated above.
- You may be able to save up to $150 per year simply by shopping early and online
- Teen drivers are the costliest to insure, with premiums as much as $409 per month if full coverage is purchased
- Increasing deductibles can save approximately $425 each year
- High-risk drivers with multiple at-fault accidents may pay on average $1,480 more every year to insure their 3
- Drivers who may need more liability coverage will pay an extra $500 every year to raise limits from a minimum limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,904 |
| 20 | $2,938 |
| 30 | $1,308 |
| 40 | $1,268 |
| 50 | $1,160 |
| 60 | $1,138 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,554 |
| $250 | $1,420 |
| $500 | $1,268 |
| $1,000 | $1,118 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,268 |
| 50/100 | $1,425 |
| 100/300 | $1,539 |
| 250/500 | $1,836 |
| 100 CSL | $1,471 |
| 300 CSL | $1,722 |
| 500 CSL | $1,904 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,970 |
| 20 | $4,684 |
| 30 | $2,796 |
| 40 | $2,750 |
| 50 | $2,630 |
| 60 | $2,608 |
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 | $67 |
| Multi-vehicle | $68 |
| Homeowner | $20 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $55 |
| Advance Quote | $61 |
| Online Quote | $89 |
| Total Discounts | $531 |
Discounts are estimated and may not be available from every company or in every state.
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