Mazda 3 Insurance Rates

Average insurance prices for a Mazda 3 are $1,374 every 12 months including full coverage. Comprehensive costs an estimated $282, collision costs $536, and liability is $398. A liability-only policy costs around $460 a year, with high-risk insurance costing around $2,982. 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:

Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all 3 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities.

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

These examples highlight why everyone should compare rates quotes for a targeted area and their own driving history, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $790
• Raising to $1,000 deductibles will save approximately $186 every year
• The average price for a 40-year-old driver who has $500 deductibles is $1,374
• Using pricier low deductibles increases the price to $1,736
• At-risk drivers who are prone to accidents and violations could pay up to $2,982 or more
• The cost to insure a teen driver for full coverage can cost as much as $5,156

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

Using high physical damage deductibles can reduce rates by up to $550 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $358 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as little as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay at least $5,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,600 to $2,200 extra per year, depending on your age. Mazda 3 insurance for high-risk drivers is expensive and can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Mazda 3 insurance prices. A middle-age driver might find rates 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.

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With so much variability in rates, the best way to figure out which company is cheapest is to regularly compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, so the rates can be significantly 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 More Affordable Mazda 3 Insurance

Saving money on car insurance consists of being safe and accident-free, having good credit, not filing small claims, and taking advantage of discounts. Make time to compare rates every year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

Below you'll find a summary of the coverage data touched on in this article.

• You may be able to save approximately $170 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save as much as $550 each year
• Youthful drivers are charged the highest rates, as much as $430 per month if they have full coverage
• Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,610 more annually than a low-risk driver