Mazda 3 Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 23, 2024
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The average auto insurance rates for a Mazda 3 are $1,384 annually with full coverage. Comprehensive insurance costs around $294 each year, collision insurance costs $542, and liability costs around $390. Buying just liability costs as low as $452 a year, and insurance for high-risk drivers costs $2,992 or more. Teenage drivers cost the most to insure at up to $5,148 a year.
Average premium for full coverage: $1,384
Policy rates for type of insurance:
Prices include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and 3 models.
Price Range Variability
For an average driver, Mazda 3 insurance rates range from as cheap as $452 for minimum levels of liability insurance to a high rate of $2,992 for a high-risk driver policy.
Urban vs. Rural Price Range
Where you live can have significant affects on insurance rates. Areas with sparse population are shown to have fewer collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance rates.
The examples above demonstrate why all drivers should compare prices for a specific zip code and their own personal driving habits, instead of using average rates.
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 Details
The chart below details average Mazda 3 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $795
- Using higher $1,000 deductibles will save about $190 annually
- The estimated rate for a good driver age 40 using $500 deductibles is $1,384
- Using low deductibles for physical damage coverage costs an additional $366 every year
- Drivers who are prone to accidents and violations could pay at least $2,992
- Policy cost with full coverage for a teen driver can be $5,148 or more
Insurance rates for a Mazda 3 also range considerably based on the model year and trim level, your driving record, and deductibles and policy limits.
More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay as much as $5,100 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 129% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $560 every year, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Mazda 3 insurance prices. A driver around age 40 might see rates as low as $1,000 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,870 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,250 | -$134 | -9.7% |
| Alaska | $1,060 | -$324 | -23.4% |
| Arizona | $1,148 | -$236 | -17.1% |
| Arkansas | $1,384 | -$0 | 0.0% |
| California | $1,574 | $190 | 13.7% |
| Colorado | $1,320 | -$64 | -4.6% |
| Connecticut | $1,422 | $38 | 2.7% |
| Delaware | $1,566 | $182 | 13.2% |
| Florida | $1,730 | $346 | 25.0% |
| Georgia | $1,278 | -$106 | -7.7% |
| Hawaii | $992 | -$392 | -28.3% |
| Idaho | $934 | -$450 | -32.5% |
| Illinois | $1,030 | -$354 | -25.6% |
| Indiana | $1,042 | -$342 | -24.7% |
| Iowa | $934 | -$450 | -32.5% |
| Kansas | $1,314 | -$70 | -5.1% |
| Kentucky | $1,886 | $502 | 36.3% |
| Louisiana | $2,048 | $664 | 48.0% |
| Maine | $854 | -$530 | -38.3% |
| Maryland | $1,140 | -$244 | -17.6% |
| Massachusetts | $1,106 | -$278 | -20.1% |
| Michigan | $2,404 | $1,020 | 73.7% |
| Minnesota | $1,156 | -$228 | -16.5% |
| Mississippi | $1,656 | $272 | 19.7% |
| Missouri | $1,226 | -$158 | -11.4% |
| Montana | $1,486 | $102 | 7.4% |
| Nebraska | $1,092 | -$292 | -21.1% |
| Nevada | $1,658 | $274 | 19.8% |
| New Hampshire | $996 | -$388 | -28.0% |
| New Jersey | $1,546 | $162 | 11.7% |
| New Mexico | $1,226 | -$158 | -11.4% |
| New York | $1,458 | $74 | 5.3% |
| North Carolina | $796 | -$588 | -42.5% |
| North Dakota | $1,132 | -$252 | -18.2% |
| Ohio | $956 | -$428 | -30.9% |
| Oklahoma | $1,422 | $38 | 2.7% |
| Oregon | $1,268 | -$116 | -8.4% |
| Pennsylvania | $1,320 | -$64 | -4.6% |
| Rhode Island | $1,846 | $462 | 33.4% |
| South Carolina | $1,254 | -$130 | -9.4% |
| South Dakota | $1,166 | -$218 | -15.8% |
| Tennessee | $1,212 | -$172 | -12.4% |
| Texas | $1,668 | $284 | 20.5% |
| Utah | $1,024 | -$360 | -26.0% |
| Vermont | $946 | -$438 | -31.6% |
| Virginia | $828 | -$556 | -40.2% |
| Washington | $1,068 | -$316 | -22.8% |
| West Virginia | $1,268 | -$116 | -8.4% |
| Wisconsin | $958 | -$426 | -30.8% |
| Wyoming | $1,234 | -$150 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda 3 I Sport 4-Dr Sedan | $1,298 | $108 |
| Mazda 3 I SV 4-Dr Sedan | $1,298 | $108 |
| Mazda 3 I Touring 4-Dr Sedan | $1,384 | $115 |
| Mazda 3 S Sport 4-Dr Hatchback | $1,424 | $119 |
| Mazda 3 S Sport 4-Dr Sedan | $1,424 | $119 |
| Mazda 3 S Grand Touring 4-Dr Hatchback | $1,468 | $122 |
| Mazda 3 S Grand Touring 4-Dr Sedan | $1,468 | $122 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Mazda 3 | $294 | $542 | $390 | $1,384 |
| 2023 Mazda 3 | $282 | $536 | $398 | $1,374 |
| 2022 Mazda 3 | $272 | $524 | $416 | $1,370 |
| 2021 Mazda 3 | $262 | $502 | $430 | $1,352 |
| 2020 Mazda 3 | $248 | $484 | $442 | $1,332 |
| 2019 Mazda 3 | $238 | $450 | $452 | $1,298 |
| 2018 Mazda 3 | $230 | $424 | $456 | $1,268 |
| 2017 Mazda 3 | $220 | $380 | $460 | $1,218 |
| 2016 Mazda 3 | $206 | $350 | $460 | $1,174 |
| 2015 Mazda 3 | $198 | $328 | $464 | $1,148 |
| 2014 Mazda 3 | $194 | $306 | $474 | $1,132 |
| 2013 Mazda 3 | $180 | $284 | $474 | $1,096 |
| 2012 Mazda 3 | $174 | $258 | $478 | $1,068 |
| 2011 Mazda 3 | $162 | $236 | $474 | $1,030 |
| 2010 Mazda 3 | $152 | $214 | $474 | $998 |
| 2009 Mazda 3 | $148 | $192 | $468 | $966 |
| 2008 Mazda 3 | $146 | $188 | $460 | $952 |
| 2007 Mazda 3 | $144 | $178 | $452 | $932 |
| 2005 Mazda 3 | $126 | $162 | $442 | $888 |
Rates are averaged for all Mazda 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 Right Mazda 3 Insurance
Finding cheaper rates on car insurance requires being a low-risk driver, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Take the time to compare rates every time your policy renews by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The items below are a quick rundown of the information covered in the above illustrations.
- You may be able to save up to $170 per year just by quoting online in advance
- Teen drivers pay higher rates, as much as $429 each month including comprehensive and collision insurance
- Increasing comprehensive and collision deductibles could save up to $550 each year
- Higher risk drivers with reckless driving or DUI convictions may pay on average $1,610 more every year to insure their 3
- Policyholders who may need more liability coverage will pay an extra $430 every year to increase from a 30/60 limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,148 |
| 20 | $3,196 |
| 30 | $1,442 |
| 40 | $1,384 |
| 50 | $1,264 |
| 60 | $1,238 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,750 |
| $250 | $1,580 |
| $500 | $1,384 |
| $1,000 | $1,194 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,384 |
| 50/100 | $1,546 |
| 100/300 | $1,644 |
| 250/500 | $1,897 |
| 100 CSL | $1,585 |
| 300 CSL | $1,800 |
| 500 CSL | $1,956 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,348 |
| 20 | $5,084 |
| 30 | $3,058 |
| 40 | $2,992 |
| 50 | $2,854 |
| 60 | $2,830 |
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 | $74 |
| Multi-vehicle | $72 |
| Homeowner | $20 |
| 5-yr Accident Free | $103 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $64 |
| Advance Quote | $69 |
| Online Quote | $98 |
| Total Discounts | $589 |
Discounts are estimated and may not be available from every company or in every state.
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