Mazda CX-3 Insurance Rates
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Michelle Robbins
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UPDATED: Apr 2, 2024
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Estimated auto insurance rates for a Mazda CX-3 are $1,176 annually including full coverage. Comprehensive insurance costs an estimated $220, collision costs $338, and liability coverage is $460. Liability-only insurance costs around $510 a year, with high-risk driver insurance costing $2,534 or more. Teen drivers pay the most at $4,576 a year or more.
Average premium for full coverage: $1,176
Premium estimates broken down by type of coverage:
Includes $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for all CX-3 models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Mazda CX-3 go from as cheap as $510 for just liability insurance to the much higher price of $2,534 for a high-risk driver policy.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than larger metro areas.
The example below illustrates how location impacts insurance prices.
These rate differences highlight why everyone should compare rates quotes for a targeted area and their own personal driving habits, rather than using price 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.
More Rate Details
The chart below breaks down estimated Mazda CX-3 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $698
- Raising to $1,000 deductibles will save approximately $128 every year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,176
- Choosing pricier low deductibles costs an additional $242 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,534 or more
- An auto insurance policy with full coverage for a teenage driver for full coverage can cost as much as $4,576
Insurance prices for a Mazda CX-3 also have a wide range based on the model of your CX-3, your driving characteristics, and liability limits and deductibles.
A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay at least $4,500 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying $1,400 to $2,000 additional annually, depending on your age. Mazda CX-3 insurance for high-risk drivers is expensive and can cost around 44% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $370 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Mazda CX-3 insurance rates. A middle-age driver might find prices as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,680 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,064 | -$112 | -9.5% |
| Alaska | $900 | -$276 | -23.5% |
| Arizona | $976 | -$200 | -17.0% |
| Arkansas | $1,176 | -$0 | 0.0% |
| California | $1,338 | $162 | 13.8% |
| Colorado | $1,124 | -$52 | -4.4% |
| Connecticut | $1,208 | $32 | 2.7% |
| Delaware | $1,330 | $154 | 13.1% |
| Florida | $1,470 | $294 | 25.0% |
| Georgia | $1,084 | -$92 | -7.8% |
| Hawaii | $844 | -$332 | -28.2% |
| Idaho | $794 | -$382 | -32.5% |
| Illinois | $876 | -$300 | -25.5% |
| Indiana | $884 | -$292 | -24.8% |
| Iowa | $792 | -$384 | -32.7% |
| Kansas | $1,116 | -$60 | -5.1% |
| Kentucky | $1,604 | $428 | 36.4% |
| Louisiana | $1,740 | $564 | 48.0% |
| Maine | $726 | -$450 | -38.3% |
| Maryland | $970 | -$206 | -17.5% |
| Massachusetts | $942 | -$234 | -19.9% |
| Michigan | $2,042 | $866 | 73.6% |
| Minnesota | $984 | -$192 | -16.3% |
| Mississippi | $1,408 | $232 | 19.7% |
| Missouri | $1,042 | -$134 | -11.4% |
| Montana | $1,262 | $86 | 7.3% |
| Nebraska | $928 | -$248 | -21.1% |
| Nevada | $1,410 | $234 | 19.9% |
| New Hampshire | $848 | -$328 | -27.9% |
| New Jersey | $1,316 | $140 | 11.9% |
| New Mexico | $1,040 | -$136 | -11.6% |
| New York | $1,240 | $64 | 5.4% |
| North Carolina | $676 | -$500 | -42.5% |
| North Dakota | $962 | -$214 | -18.2% |
| Ohio | $812 | -$364 | -31.0% |
| Oklahoma | $1,208 | $32 | 2.7% |
| Oregon | $1,078 | -$98 | -8.3% |
| Pennsylvania | $1,122 | -$54 | -4.6% |
| Rhode Island | $1,568 | $392 | 33.3% |
| South Carolina | $1,064 | -$112 | -9.5% |
| South Dakota | $992 | -$184 | -15.6% |
| Tennessee | $1,030 | -$146 | -12.4% |
| Texas | $1,416 | $240 | 20.4% |
| Utah | $870 | -$306 | -26.0% |
| Vermont | $804 | -$372 | -31.6% |
| Virginia | $704 | -$472 | -40.1% |
| Washington | $910 | -$266 | -22.6% |
| West Virginia | $1,078 | -$98 | -8.3% |
| Wisconsin | $814 | -$362 | -30.8% |
| Wyoming | $1,048 | -$128 | -10.9% |
With such a large range in prices, the best way to figure out which insurance company is cheapest is to regularly compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, and prices will be substantially different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Mazda CX-3 | $248 | $430 | $442 | $1,278 |
| 2020 Mazda CX-3 | $238 | $400 | $452 | $1,248 |
| 2019 Mazda CX-3 | $230 | $376 | $456 | $1,220 |
| 2018 Mazda CX-3 | $220 | $338 | $460 | $1,176 |
| 2017 Mazda CX-3 | $206 | $310 | $460 | $1,134 |
| 2016 Mazda CX-3 | $198 | $292 | $464 | $1,112 |
Rates are averaged for all Mazda CX-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 Buy the Cheapest Mazda CX-3 Insurance
Finding better rates on auto insurance consists of being a safe and courteous driver, having good credit, refrain from filing small claims, and maximizing policy discounts. Spend time shopping around every time your policy renews by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.
Below is a recap of the information touched on above.
- You may be able to save approximately $140 per year simply by quoting online well ahead of the renewal date
- Teenage drivers are expensive to insure, with the cost nearing $381 per month if they have full coverage
- Increasing policy deductibles could save up to $375 each year
- Drivers that have major violations or accidents could be forced to pay on average $1,360 more annually for auto insurance
- Consumers who want higher levels of liability will pay about $510 per year to raise from 30/60 bodily injury limits to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,576 |
| 20 | $2,696 |
| 30 | $1,208 |
| 40 | $1,176 |
| 50 | $1,076 |
| 60 | $1,054 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,418 |
| $250 | $1,306 |
| $500 | $1,176 |
| $1,000 | $1,048 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,176 |
| 50/100 | $1,268 |
| 100/300 | $1,383 |
| 250/500 | $1,682 |
| 100 CSL | $1,314 |
| 300 CSL | $1,567 |
| 500 CSL | $1,751 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,480 |
| 20 | $4,294 |
| 30 | $2,572 |
| 40 | $2,534 |
| 50 | $2,422 |
| 60 | $2,400 |
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 | $61 |
| Multi-vehicle | $63 |
| Homeowner | $19 |
| 5-yr Accident Free | $78 |
| 5-yr Claim Free | $75 |
| Paid in Full/EFT | $47 |
| Advance Quote | $54 |
| Online Quote | $81 |
| Total Discounts | $478 |
Discounts are estimated and may not be available from every company or in every state.
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