Mazda 3 Insurance Rates

Estimated insurance prices for a Mazda 3 are $1,374 every 12 months for full coverage. Comprehensive costs approximately $282, collision costs $536, and liability coverage costs around $398. Liability-only insurance costs as low as $460 a year, with high-risk driver insurance costing around $2,982. Teenage drivers pay the most at $5,156 a year or more.

Average premium for full coverage: $1,374

Premium estimates by type of coverage:

Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and for different 3 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than densely populated cities.

The price range example below illustrates how location impacts auto insurance prices.

These rate differences show why anyone shopping for car insurance should compare prices using their specific location and their own driving history, rather than using average rates.

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

Rates by State, City, and Model

The chart below shows estimated Mazda 3 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $790
• Using higher $1,000 deductibles will save $186 a year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,374
• Using more expensive low deductibles for physical damage coverage increases the price to $1,736
• Higher-risk drivers who are prone to accidents and violations could pay around $2,982 or more
• An auto insurance policy to insure a teenage driver with full coverage can cost $5,156 or more

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

Using high physical damage deductibles could cut prices by as much as $550 a year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $358 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark 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 anywhere from $1,600 to $2,200 additional annually, depending on your age. High-risk driver insurance can be around 43% to 130% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Mazda 3 insurance rates. A driver around age 40 might see prices as low as $910 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,960 on average in New York, Louisiana, and Michigan.

View Chart as Image

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, and 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 Affordable Mazda 3 Insurance

Finding better rates on auto insurance requires having a decent driving record, having above-average credit, not filing small claims, and qualifying for all possible discounts. Spend time shopping around every time your policy renews by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

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

• Drivers can save around $170 per year simply by shopping early and online
• 16 to 18-year-old drivers are the costliest to insure, as much as $430 per month if full coverage is included
• Increasing policy deductibles could save as much as $550 each year
• Drivers with DUI or reckless driving convictions may pay on average $1,610 more per year than a driver with a clean driving record
• Consumers who purchase additional liability coverage will pay an extra $440 each year to increase from 30/60 bodily injury limits to a 250/500 level