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 costs an estimated $294 each year, collision costs $542, and liability is estimated at $390. A liability-only policy costs approximately $452 a year, with high-risk insurance costing around $2,992. 16-year-old drivers cost the most to insure at $5,148 a year or more.
Average premium for full coverage: $1,384
Policy rates broken down by type of insurance:
These estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and 3 models.
Price Range Variability
For the average driver, Mazda 3 insurance rates go from as cheap as $452 for liability-only coverage to a high rate of $2,992 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on car insurance rates. More rural locations are shown to have fewer collision claims than congested cities.
The graphic below illustrates how location impacts insurance prices.
The examples above demonstrate why all drivers should get quotes for a targeted area and their own personal driving habits, instead of making a decision based on rate averages.
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 Charts and Tables
The chart below details estimated Mazda 3 insurance rates for other coverage scenarios.
- The best full coverage rate is $795
- Choosing higher $1,000 deductibles can save approximately $190 annually
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,384
- Buying low deductibles for comp and collision coverage will cost $1,750
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,992 or more
- Policy cost with full coverage for a 16-year-old driver can cost as much as $5,148 each year
Car insurance rates for a Mazda 3 also range considerably based on the model year and trim level, your driving record, 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, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged at least $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 $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers ranges from 43% to 129% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $560 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Mazda 3 insurance prices. A good driver about age 40 could pay as low as $1,000 a year in states like Utah, Ohio, and New Hampshire, or at least $1,870 on average in New York, Michigan, and Florida.
| 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% |
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison from multiple companies. Each auto insurer utilizes a different rate formula, so rate quotes will be varied between companies.
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 Cheap Mazda 3 Insurance
Finding cheaper rates on insurance for a Mazda 3 takes being a low-risk driver, having a good credit score, not filing small claims, and not having any coverage lapses. Spend time shopping around at least once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The items below are a brief summary of the primary concepts that were touched on above.
- You may be able to save approximately $170 per year simply by quoting online in advance
- Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,610 more annually to insure their 3
- Increasing comprehensive and collision deductibles could save up to $550 each year
- Teen drivers have the highest car insurance rates, as much as $429 each month if comprehensive and collision insurance is included
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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