Mazda 3 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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Average insurance prices for a Mazda 3 are $1,298 every 12 months with full coverage. Comprehensive insurance costs approximately $238, collision insurance costs $450, and liability costs $452. Liability-only coverage costs as little as $504 a year, and high-risk coverage costs $2,820 or more. Teenage drivers receive the highest rates at up to $4,998 a year.

Average premium for full coverage: $1,298

Rate estimates by individual coverage type:

Comprehensive $238
Collision $450
Liability $452

Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for different 3 trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from the cheapest price of $504 for just the minimum liability insurance to a much higher rate of $2,820 for a driver who has had serious violations or accidents.

Liability Only $504
Full Coverage $1,298
High Risk $2,820

Price Range by Location

Your location can make a big difference on the price of insurance. Rural locations tend to have more infrequent collision claims than densely populated cities. The price range example below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $974
Small Cities $1,363
Large Cities $1,752

These examples demonstrate why anyone shopping for car insurance should compare rates using their specific location and their own driving history, instead of making a decision based on 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 Analysis

The chart below details average Mazda 3 insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $752
  • Drivers who choose higher $1,000 deductibles will pay $156 annually
  • The average price for a 40-year-old driver who chooses $500 deductibles is $1,298
  • Using more expensive low deductibles for comprehensive and collision insurance costs an extra $304 annually
  • Drivers who are prone to accidents and violations could pay around $2,820
  • The cost to insure a 16-year-old driver with full coverage can cost $4,998 a year

View Chart as Image

Mazda 3 insurance cost comparison chart
Column chart showing Mazda 3 insurance prices range from $752 to $4,998 for full coverage

Car insurance rates for a Mazda 3 can also vary considerably based on policy deductibles and limits, your driving record, and the model of your 3.

Using high physical damage deductibles could save up to $460 annually, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as low as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged in the ballpark of $4,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance can cost from 44% to 137% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in Mazda 3 insurance prices. A 40-year-old driver could pay as low as $940 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,750 on average in New York, Michigan, and Florida.

Mazda 3 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,174 -$124 -9.6%
Alaska $994 -$304 -23.4%
Arizona $1,076 -$222 -17.1%
Arkansas $1,298 -$0 0.0%
California $1,478 $180 13.9%
Colorado $1,240 -$58 -4.5%
Connecticut $1,336 $38 2.9%
Delaware $1,468 $170 13.1%
Florida $1,624 $326 25.1%
Georgia $1,198 -$100 -7.7%
Hawaii $932 -$366 -28.2%
Idaho $878 -$420 -32.4%
Illinois $966 -$332 -25.6%
Indiana $976 -$322 -24.8%
Iowa $876 -$422 -32.5%
Kansas $1,232 -$66 -5.1%
Kentucky $1,772 $474 36.5%
Louisiana $1,922 $624 48.1%
Maine $802 -$496 -38.2%
Maryland $1,068 -$230 -17.7%
Massachusetts $1,038 -$260 -20.0%
Michigan $2,254 $956 73.7%
Minnesota $1,086 -$212 -16.3%
Mississippi $1,554 $256 19.7%
Missouri $1,150 -$148 -11.4%
Montana $1,392 $94 7.2%
Nebraska $1,024 -$274 -21.1%
Nevada $1,556 $258 19.9%
New Hampshire $936 -$362 -27.9%
New Jersey $1,450 $152 11.7%
New Mexico $1,150 -$148 -11.4%
New York $1,368 $70 5.4%
North Carolina $748 -$550 -42.4%
North Dakota $1,064 -$234 -18.0%
Ohio $896 -$402 -31.0%
Oklahoma $1,332 $34 2.6%
Oregon $1,188 -$110 -8.5%
Pennsylvania $1,238 -$60 -4.6%
Rhode Island $1,732 $434 33.4%
South Carolina $1,176 -$122 -9.4%
South Dakota $1,096 -$202 -15.6%
Tennessee $1,136 -$162 -12.5%
Texas $1,566 $268 20.6%
Utah $960 -$338 -26.0%
Vermont $890 -$408 -31.4%
Virginia $778 -$520 -40.1%
Washington $1,002 -$296 -22.8%
West Virginia $1,188 -$110 -8.5%
Wisconsin $900 -$398 -30.7%
Wyoming $1,156 -$142 -10.9%

View Chart as Image

Mazda 3 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Mazda 3 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Mazda 3 I Sport 4-Dr Sedan $1,228 $102
Mazda 3 I SV 4-Dr Sedan $1,228 $102
Mazda 3 I Touring 4-Dr Sedan $1,298 $108
Mazda 3 S Sport 4-Dr Hatchback $1,334 $111
Mazda 3 S Sport 4-Dr Sedan $1,334 $111
Mazda 3 S Grand Touring 4-Dr Hatchback $1,370 $114
Mazda 3 S Grand Touring 4-Dr Sedan $1,370 $114

Rates assume 2017 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.

Mazda 3 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Mazda 3 $238 $450 $452 $1,298
2013 Mazda 3 $198 $328 $464 $1,148
2010 Mazda 3 $174 $258 $478 $1,068
2009 Mazda 3 $162 $236 $474 $1,030
2008 Mazda 3 $152 $214 $474 $998
2007 Mazda 3 $148 $192 $468 $966
2005 Mazda 3 $144 $178 $452 $932

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 Shop for More Affordable Mazda 3 Insurance

Saving money on insurance for a Mazda 3 not only requires having a decent driving record, but also maintaining a good credit score, eliminating unnecessary coverage, and attention to physical damage deductibles. Set aside time to shop around every other policy renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following items are a summary of the ideas that were raised in the charts and tables above.

  • 16 to 18-year-old drivers pay the highest auto insurance rates, with premiums as much as $417 per month if the policy includes full coverage
  • Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,520 more per year than a driver with a clean driving record
  • Increasing deductibles could save as much as $450 each year
  • You may be able to save around $150 per year just by shopping early and online

Rates by Driver Age

Mazda 3 Insurance Rates by Driver Age
Driver Age Premium
16 $4,998
20 $3,012
30 $1,342
40 $1,298
50 $1,188
60 $1,166

Full coverage, $500 deductibles

Rates by Deductible

Mazda 3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,602
$250 $1,462
$500 $1,298
$1,000 $1,142

Full coverage, driver age 40

Rates by Liability Limit

Mazda 3 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,298
50/100 $1,460
100/300 $1,573
250/500 $1,867
100 CSL $1,506
300 CSL $1,754
500 CSL $1,935

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda 3 Insurance Rates for High Risk Drivers
Age Premium
16 $7,112
20 $4,800
30 $2,870
40 $2,820
50 $2,696
60 $2,674

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.

SR-22 Surcharge $183

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $68
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $93
5-yr Claim Free $84
Paid in Full/EFT $57
Advance Quote $63
Online Quote $91
Total Discounts $546
Rate after discounts $752

Discounts are estimated and may not be available from every company or in every state.

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