Mazda 3 Insurance Rates

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UPDATED: Apr 23, 2024

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The average insurance prices for a Mazda 3 are $1,384 every 12 months with full coverage. Comprehensive insurance costs approximately $294 a year, collision costs $542, and liability costs $390. Liability-only insurance costs as little as $452 a year, with high-risk driver insurance costing $2,992 or more. Teens cost the most to insure at $5,148 a year or more.

Average premium for full coverage: $1,384

Policy rates by type of insurance:

Comprehensive $294
Collision $542
Liability $390

Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and 3 trim levels.

Price Range Variability

For the average driver, Mazda 3 insurance rates go from the cheapest price of $452 for minimum levels of liability insurance to a high of $2,992 for a driver who requires high-risk insurance.

Liability Only $452
Full Coverage $1,384
High Risk $2,992

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. Rural locations are shown to have more infrequent collision claims than cities with more traffic congestion.

The diagram below illustrates how location impacts auto insurance prices.

Rural Areas $1,038
Small Cities $1,453
Large Cities $1,868

The examples above demonstrate why it is important to compare rates using their 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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Details

The chart below details estimated Mazda 3 insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $795
  • Drivers who choose higher $1,000 deductibles will pay $1,194 annually
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,384
  • Selecting low $100 deductibles for comprehensive and collision insurance costs an extra $366 annually
  • Drivers with serious driving violations could pay around $2,992 or more
  • Policy cost to insure a 16-year-old driver can cost $5,148 a year

View Chart as Image

Mazda 3 insurance cost comparison chart
Column chart showing full coverage Mazda 3 insurance prices range from $795 to $5,148

Auto insurance rates for a Mazda 3 also range considerably based on liability limits and deductibles, your driving record, and the model of your 3.

Choosing higher comprehensive and collision insurance deductibles could save up to $560 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay in the ballpark 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 may be forking out anywhere from $1,600 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost from 43% to 129% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Mazda 3 insurance prices. A 40-year-old driver could pay as low as $1,000 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,870 on average in New York, Michigan, and Florida.

Mazda 3 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,250 -$134 -9.7%
Alaska $1,060 -$324 -23.4%
Arizona $1,148 -$236 -17.1%
Arkansas $1,384 -$0 0.0%
California $1,574 $190 13.7%
Colorado $1,320 -$64 -4.6%
Connecticut $1,422 $38 2.7%
Delaware $1,566 $182 13.2%
Florida $1,730 $346 25.0%
Georgia $1,278 -$106 -7.7%
Hawaii $992 -$392 -28.3%
Idaho $934 -$450 -32.5%
Illinois $1,030 -$354 -25.6%
Indiana $1,042 -$342 -24.7%
Iowa $934 -$450 -32.5%
Kansas $1,314 -$70 -5.1%
Kentucky $1,886 $502 36.3%
Louisiana $2,048 $664 48.0%
Maine $854 -$530 -38.3%
Maryland $1,140 -$244 -17.6%
Massachusetts $1,106 -$278 -20.1%
Michigan $2,404 $1,020 73.7%
Minnesota $1,156 -$228 -16.5%
Mississippi $1,656 $272 19.7%
Missouri $1,226 -$158 -11.4%
Montana $1,486 $102 7.4%
Nebraska $1,092 -$292 -21.1%
Nevada $1,658 $274 19.8%
New Hampshire $996 -$388 -28.0%
New Jersey $1,546 $162 11.7%
New Mexico $1,226 -$158 -11.4%
New York $1,458 $74 5.3%
North Carolina $796 -$588 -42.5%
North Dakota $1,132 -$252 -18.2%
Ohio $956 -$428 -30.9%
Oklahoma $1,422 $38 2.7%
Oregon $1,268 -$116 -8.4%
Pennsylvania $1,320 -$64 -4.6%
Rhode Island $1,846 $462 33.4%
South Carolina $1,254 -$130 -9.4%
South Dakota $1,166 -$218 -15.8%
Tennessee $1,212 -$172 -12.4%
Texas $1,668 $284 20.5%
Utah $1,024 -$360 -26.0%
Vermont $946 -$438 -31.6%
Virginia $828 -$556 -40.2%
Washington $1,068 -$316 -22.8%
West Virginia $1,268 -$116 -8.4%
Wisconsin $958 -$426 -30.8%
Wyoming $1,234 -$150 -10.8%

View Chart as Image

Mazda 3 insurance rates by U.S. city

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from multiple companies. Every company calculates rates differently, and quoted rates will be varied.

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 $1,298 $108
Mazda 3 I SV 4-Dr Sedan $1,298 $108
Mazda 3 I Touring 4-Dr Sedan $1,384 $115
Mazda 3 S Sport 4-Dr Hatchback $1,424 $119
Mazda 3 S Sport 4-Dr Sedan $1,424 $119
Mazda 3 S Grand Touring 4-Dr Hatchback $1,468 $122
Mazda 3 S Grand Touring 4-Dr Sedan $1,468 $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 $294 $542 $390 $1,384
2023 Mazda 3 $282 $536 $398 $1,374
2022 Mazda 3 $272 $524 $416 $1,370
2021 Mazda 3 $262 $502 $430 $1,352
2020 Mazda 3 $248 $484 $442 $1,332
2019 Mazda 3 $238 $450 $452 $1,298
2018 Mazda 3 $230 $424 $456 $1,268
2017 Mazda 3 $220 $380 $460 $1,218
2016 Mazda 3 $206 $350 $460 $1,174
2015 Mazda 3 $198 $328 $464 $1,148
2014 Mazda 3 $194 $306 $474 $1,132
2013 Mazda 3 $180 $284 $474 $1,096
2012 Mazda 3 $174 $258 $478 $1,068
2011 Mazda 3 $162 $236 $474 $1,030
2010 Mazda 3 $152 $214 $474 $998
2009 Mazda 3 $148 $192 $468 $966
2008 Mazda 3 $146 $188 $460 $952
2007 Mazda 3 $144 $178 $452 $932
2005 Mazda 3 $126 $162 $442 $888

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 the Best Mazda 3 Insurance

Finding cheaper rates on insurance for a Mazda 3 not only requires avoiding accidents and claims, but also having a good credit score, not filing small claims, and not having any coverage lapses. Spend time shopping around at every other renewal by obtaining price quotes from direct companies, and also from insurance agencies where you live.

The points below are a brief recap of the concepts that were touched on above.

  • Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,610 more per year to insure a Mazda 3
  • Drivers under the age of 20 have the highest car insurance rates, as much as $429 each month if comprehensive and collision insurance is included
  • You may be able to save around $170 per year simply by quoting early and online
  • Increasing comprehensive and collision deductibles could save as much as $550 each year
  • You may be able to save around $170 per year simply by quoting early and online

Rates by Driver Age

Mazda 3 Insurance Rates by Driver Age
Driver Age Premium
16 $5,148
20 $3,196
30 $1,442
40 $1,384
50 $1,264
60 $1,238

Full coverage, $500 deductibles

Rates by Deductible

Mazda 3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,750
$250 $1,580
$500 $1,384
$1,000 $1,194

Full coverage, driver age 40

Rates by Liability Limit

Mazda 3 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,384
50/100 $1,546
100/300 $1,644
250/500 $1,897
100 CSL $1,585
300 CSL $1,800
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 $7,348
20 $5,084
30 $3,058
40 $2,992
50 $2,854
60 $2,830

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 $74
Multi-vehicle $72
Homeowner $20
5-yr Accident Free $103
5-yr Claim Free $89
Paid in Full/EFT $64
Advance Quote $69
Online Quote $98
Total Discounts $589
Rate after discounts $795

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

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