Mazda 3 Insurance Rates

Average auto insurance rates for a Mazda 3 are $1,374 annually including full coverage. Comprehensive insurance costs an estimated $282 a year, collision costs $536, and liability insurance is estimated at $398. A liability-only policy costs approximately $460 a year, with high-risk insurance costing $2,982 or more. Teenage drivers receive the highest rates at $5,156 a year or more.

Average premium for full coverage: $1,374

Rate estimates broken down by individual coverage type:

Prices are based on $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and 3 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than densely populated cities.

The diagram below illustrates the difference location can make on insurance prices.

These examples highlight why it is important to get quotes for a targeted area and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Information

The chart below breaks down estimated Mazda 3 insurance rates for other coverage scenarios.

• The best discount rate is $790
• Choosing higher $1,000 deductibles can save approximately $1,188 every year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,374
• Using low $100 deductibles for comp and collision coverage costs an additional $362 a year
• High-risk insureds who are prone to accidents and violations could pay up to $2,982 or more
• The cost with full coverage for a teen driver can cost as much as $5,156 each year

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Insurance rates for a Mazda 3 can also vary considerably based on the trim level of your 3, your driving characteristics, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay at least $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $550 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 more per year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Mazda 3 insurance rates. A good driver about age 40 could pay as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,960 on average in Louisiana, New York, and Michigan.

View Chart as Image

With so much variability in rates, the best way to figure out which company is cheapest is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate rates, so the rates can be significantly different between companies.

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 Buy Affordable Mazda 3 Insurance

Saving money on Mazda 3 insurance takes being a low-risk driver, having a good credit history, not filing small claims, and taking advantage of discounts. Make time to compare rates at every policy renewal by quoting rates from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The items below are a brief review of the data touched on in this article.

• Drivers who want more liability coverage will pay an extra $440 per year to raise limits from a minimum limit to higher 250/500 limits
• You may be able to save approximately $170 per year simply by quoting early and online
• Increasing deductibles could save up to $550 each year
• Teen drivers are charged the highest rates, as much as $430 per month including comprehensive and collision insurance