Mazda CX-3 Insurance Rates

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UPDATED: Apr 2, 2024

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Estimated insurance rates for a Mazda CX-3 are $1,220 a year for full coverage. Comprehensive costs around $230, collision insurance costs $376, and liability coverage costs around $456. Liability-only coverage costs as low as $508 a year, and high-risk coverage costs around $2,636. Teens pay the most at up to $4,720 a year.

Average premium for full coverage: $1,220

Premium estimates for type of coverage:

Comprehensive $230
Collision $376
Liability $456

Prices include $500 deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for all CX-3 models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Mazda CX-3 range from as low as $508 for the bare minimum liability coverage to the much higher price of $2,636 for a driver that may need high-risk insurance.

Liability Only $508
Full Coverage $1,220
High Risk $2,636

Insurance Price Range by Location

Where you live has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion. The example below illustrates how your location can change auto insurance rates.

Rural Areas $915
Small Cities $1,281
Large Cities $1,647

These rate differences show why everyone should compare prices for a specific zip code and risk profile, rather than using 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 Information

The chart below shows average Mazda CX-3 insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $717
  • Using higher $1,000 deductibles will save about $138 a year
  • The average rate for a 40-year-old good driver using $500 deductibles is $1,220
  • Selecting pricier low deductibles for physical damage coverage will increase the cost to $1,486
  • Higher-risk drivers with serious driving violations could pay at least $2,636
  • An auto insurance policy for full coverage for a teenage driver for full coverage can be $4,720 or more

View Chart as Image

Mazda CX-3 insurance cost comparison chart
Column chart showing Mazda CX-3 insurance rates range from $717 to $4,720 for full coverage

Insurance prices for a Mazda CX-3 also have a wide range based on your driving characteristics, the trim level of your CX-3, and deductibles and policy limits.

A more mature driver with a clean driving record and high deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay as much as $4,700 a year. View Rates by Age

Where you choose to live has a huge impact on Mazda CX-3 insurance rates. A driver around age 40 might see prices as low as $800 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,740 on average in Michigan, Louisiana, and New York.

Mazda CX-3 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,104 -$116 -9.5%
Alaska $936 -$284 -23.3%
Arizona $1,012 -$208 -17.0%
Arkansas $1,220 -$0 0.0%
California $1,392 $172 14.1%
Colorado $1,166 -$54 -4.4%
Connecticut $1,254 $34 2.8%
Delaware $1,382 $162 13.3%
Florida $1,526 $306 25.1%
Georgia $1,126 -$94 -7.7%
Hawaii $876 -$344 -28.2%
Idaho $824 -$396 -32.5%
Illinois $908 -$312 -25.6%
Indiana $918 -$302 -24.8%
Iowa $822 -$398 -32.6%
Kansas $1,160 -$60 -4.9%
Kentucky $1,664 $444 36.4%
Louisiana $1,806 $586 48.0%
Maine $754 -$466 -38.2%
Maryland $1,006 -$214 -17.5%
Massachusetts $976 -$244 -20.0%
Michigan $2,120 $900 73.8%
Minnesota $1,022 -$198 -16.2%
Mississippi $1,460 $240 19.7%
Missouri $1,082 -$138 -11.3%
Montana $1,310 $90 7.4%
Nebraska $960 -$260 -21.3%
Nevada $1,462 $242 19.8%
New Hampshire $880 -$340 -27.9%
New Jersey $1,362 $142 11.6%
New Mexico $1,080 -$140 -11.5%
New York $1,286 $66 5.4%
North Carolina $702 -$518 -42.5%
North Dakota $998 -$222 -18.2%
Ohio $842 -$378 -31.0%
Oklahoma $1,254 $34 2.8%
Oregon $1,116 -$104 -8.5%
Pennsylvania $1,162 -$58 -4.8%
Rhode Island $1,628 $408 33.4%
South Carolina $1,104 -$116 -9.5%
South Dakota $1,030 -$190 -15.6%
Tennessee $1,068 -$152 -12.5%
Texas $1,470 $250 20.5%
Utah $904 -$316 -25.9%
Vermont $836 -$384 -31.5%
Virginia $732 -$488 -40.0%
Washington $942 -$278 -22.8%
West Virginia $1,118 -$102 -8.4%
Wisconsin $844 -$376 -30.8%
Wyoming $1,088 -$132 -10.8%

View Chart as Image

Mazda CX-3 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $410 a year, whereas buying more liability protection will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $1,500 to $2,000 extra annually, depending on your age. Mazda CX-3 insurance for high-risk drivers can be around 42% to 137% more than the average policy. View High Risk Driver Rates

Mazda CX-3 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2021 Mazda CX-3 $262 $446 $430 $1,296
2020 Mazda CX-3 $248 $430 $442 $1,278
2019 Mazda CX-3 $238 $400 $452 $1,248
2018 Mazda CX-3 $230 $376 $456 $1,220
2017 Mazda CX-3 $220 $338 $460 $1,176
2016 Mazda CX-3 $206 $310 $460 $1,134

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 Find the Right Mazda CX-3 Insurance

Finding better rates on auto insurance requires not taking risks behind the wheel, maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Invest the time to shop around once a year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following is a quick rundown of the data that was illustrated above.

  • Drivers can save up to $140 per year just by quoting online well ahead of the renewal date
  • Consumers who may need higher liability limits will pay approximately $500 each year to increase from 30/60 bodily injury limits to 250/500 limits
  • Teens pay higher prices, as much as $393 per month for full coverage
  • Drivers with reckless driving or DUI convictions may be required to pay an average of $1,420 more every year for CX-3 insurance

Rates by Driver Age

Mazda CX-3 Insurance Rates by Driver Age
Driver Age Premium
16 $4,720
20 $2,808
30 $1,258
40 $1,220
50 $1,116
60 $1,094

Full coverage, $500 deductibles

Rates by Deductible

Mazda CX-3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,486
$250 $1,362
$500 $1,220
$1,000 $1,082

Full coverage, driver age 40

Rates by Liability Limit

Mazda CX-3 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,220
50/100 $1,311
100/300 $1,425
250/500 $1,722
100 CSL $1,357
300 CSL $1,608
500 CSL $1,790

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda CX-3 Insurance Rates for High Risk Drivers
Age Premium
16 $6,700
20 $4,472
30 $2,676
40 $2,636
50 $2,518
60 $2,496

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 $168

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $83
5-yr Claim Free $78
Paid in Full/EFT $51
Advance Quote $57
Online Quote $85
Total Discounts $503
Rate after discounts $717

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

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