Mazda 3 Insurance Rates

U.S. average auto insurance rates for a Mazda 3 are $1,374 annually including full coverage. Comprehensive insurance costs an estimated $282 each year, collision costs $536, and liability is estimated at $398. Liability-only insurance costs approximately $460 a year, with high-risk driver insurance costing $2,982 or more. Teen drivers pay the highest rates at $5,156 a year or more.

Average premium for full coverage: $1,374

Price estimates broken down by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and 3 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than larger metro areas.

The graphic below illustrates how location impacts insurance prices.

The ranges above highlight why all drivers should get quotes for a targeted area and their own personal driving habits, instead of making a decision based on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $790
• Choosing higher $1,000 deductibles can save approximately $186 every year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,374
• Choosing low deductibles for comp and collision coverage costs an additional $362 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,982 or more
• The price with full coverage for a 16-year-old driver can cost as much as $5,156 each year

View Chart as Image

Car insurance prices for a Mazda 3 are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged at least $5,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers ranges from 43% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $550 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

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

View Chart as Image

Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison from multiple companies. Each auto insurer uses a different rate calculation, so rate quotes may be quite 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 the Best Mazda 3 Insurance

Getting lower rates on insurance for a Mazda 3 takes having a decent driving record, having a good credit score, being claim-free, and not having any coverage lapses. Spend time shopping around every time your policy renews by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following items are a brief recap of the information touched on above.

• You may be able to save approximately $170 per year simply by quoting online in advance
• 16 to 18-year-old drivers have the highest car insurance prices, possibly costing $430 a month if comprehensive and collision insurance is included
• Increasing physical damage deductibles could save up to $550 each year
• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,610 more annually than a driver with a clean driving record
• Insureds who want additional liability coverage will pay about $440 per year to raise limits from a low limit to higher 250/500 limits