Mazda 3 Insurance Rates

Estimated insurance prices for a Mazda 3 are $1,384 every 12 months for full coverage. Comprehensive costs on average $294 a year, collision costs $542, and liability insurance is $390. Liability-only coverage costs around $452 a year, with high-risk coverage costing around $2,992. Teens pay the most at $5,148 a year or more.

Average premium for full coverage: $1,384

Premium estimates by type of coverage:

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and 3 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects car insurance rates.

These rate differences show why it is important to compare rates quotes based on a specific location and their own driving history, rather than relying on averaged prices.

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

Additional Rate Analysis

The chart below shows estimated Mazda 3 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $795
• Raising to $1,000 deductibles will save around $1,194 a year
• The average price for a 40-year-old good driver with $500 deductibles is $1,384
• Selecting low $100 deductibles increases the price to $1,750
• Higher-risk drivers with serious driving violations could pay upwards of $2,992 or more
• An auto insurance policy to insure a teen driver may cost $5,148

View Chart as Image

Insurance prices for a Mazda 3 also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your 3.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $560 each year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $351 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay upwards of $5,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 129% more than the average policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Mazda 3 insurance rates. A middle-age driver might find prices as low as $910 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,970 on average in Michigan, Louisiana, and New York.

View Chart as Image

With such a large range in prices, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every auto insurance company calculates prices differently, so the prices will be substantially different.

Insurance Rates by Trim Level and Model Year

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.

How to Shop for More Affordable Mazda 3 Insurance

Finding better rates on Mazda 3 insurance consists of being a good driver, having good credit, not filing small claims, and bundling your home and auto policies. Set aside time to shop around every time your policy renews by getting price quotes from direct carriers, and also from local independent and exclusive agents.

The following list is a summary of the information raised in the charts and tables above.

• Drivers can save as much as $170 per year simply by quoting early and online
• Drivers age 16 to 20 pay the highest prices, as much as $429 per month if they have full coverage
• Increasing policy deductibles could save as much as $550 each year
• High-risk drivers who have multiple accidents or major violations pay an average of $1,610 more each year than a safer driver
• Drivers who require an increased level of liability coverage will pay approximately $430 each year to raise from 30/60 bodily injury limits to a 250/500 level