Mazda CX-3 Insurance Rates

The average auto insurance rates for a Mazda CX-3 are $1,220 annually for full coverage insurance. Comprehensive costs an estimated $230, collision insurance costs $376, and liability costs around $456. Liability-only coverage costs as low as $508 a year, and high-risk coverage costs around $2,636. Teenage drivers cost the most to insure at up to $4,720 a year.

Average premium for full coverage: $1,220

Policy rates broken down by type of insurance:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for all CX-3 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of insurance. More rural locations are shown to have fewer physical damage claims than densely populated cities. The example below illustrates how location impacts insurance prices.

The examples above illustrate why everyone should compare prices for a targeted area and their own personal driving habits, instead of using average rates.

Use the form below to get customized rates for your location.

More Rate Details

The chart below illustrates average Mazda CX-3 insurance rates for other coverage scenarios.

• The best discount rate is $717
• Using higher $1,000 deductibles will save approximately $138 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,220
• Using pricier low deductibles for physical damage coverage will cost $1,486
• Drivers who are prone to accidents and violations could pay up to $2,636
• Policy cost with full coverage for a teen driver for full coverage can cost as much as $4,720 or more

View Chart as Image

Insurance rates for a Mazda CX-3 also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying $1,500 to $2,000 additional every year, depending on your age. Mazda CX-3 insurance for high-risk drivers can be as much as 42% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $410 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Mazda CX-3 insurance prices. A driver around age 40 might see rates as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,650 on average in Florida, New York, and Michigan.

View Chart as Image

How to Buy More Affordable Mazda CX-3 Insurance

Finding cheaper rates on car insurance requires being safe and accident-free, having good credit, being claim-free, and possibly raising deductibles. Spend time shopping around at least every other year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a summary of the car insurance concepts touched on above.

• Higher risk drivers who have multiple accidents or major violations may pay on average $1,420 more annually than a low-risk driver
• It is possible to save approximately $140 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $400 each year
• Policyholders who want more liability protection will pay an extra $500 annually to increase from a 30/60 limit to higher 250/500 limits