Mazda 3 Insurance Rates
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UPDATED: Jun 6, 2023
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U.S. average insurance rates for a Mazda 3 are $1,268 a year including full coverage. Comprehensive insurance costs around $230, collision insurance costs $424, and liability insurance costs around $456. Buying just liability costs as low as $508 a year, and insurance for high-risk drivers costs $2,750 or more. 16-year-old drivers pay the highest rates at up to $4,904 a year.
Average premium for full coverage: $1,268
Price estimates for individual coverage:
Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all 3 models.
Price Range from Low to High
For a 40-year-old driver, Mazda 3 insurance prices range from as low as $508 for just liability coverage to the much higher price of $2,750 for coverage for higher-risk drivers.
Geographic Price Range
Where you live has a significant impact on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than congested cities. The example below illustrates how your location can change auto insurance rates.
The ranges above highlight why everyone should compare prices for a specific zip code and risk profile, rather than relying 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.
Detailed Rate Analysis
The chart below breaks down average Mazda 3 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $737
- Using higher $1,000 deductibles will save about $150 every year
- The average rate for the average middle-age driver using $500 deductibles is $1,268
- Buying pricier low deductibles for physical damage coverage will cost an extra $286 a year
- Drivers with multiple tickets or accidents could pay at least $2,750
- The price for full coverage for a teen driver for full coverage can be $4,904 or more
Insurance prices for a Mazda 3 are also quite variable based on your driving record, the model of your 3, and deductibles and policy limits.
A more mature driver with no violations or accidents and high deductibles could pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $4,900 a year. View Rates by Age
The state you live in has a huge impact on Mazda 3 insurance rates. A driver around age 40 might see prices as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,810 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,146 | -$122 | -9.6% |
| Alaska | $972 | -$296 | -23.3% |
| Arizona | $1,052 | -$216 | -17.0% |
| Arkansas | $1,268 | -$0 | 0.0% |
| California | $1,444 | $176 | 13.9% |
| Colorado | $1,210 | -$58 | -4.6% |
| Connecticut | $1,302 | $34 | 2.7% |
| Delaware | $1,434 | $166 | 13.1% |
| Florida | $1,584 | $316 | 24.9% |
| Georgia | $1,168 | -$100 | -7.9% |
| Hawaii | $910 | -$358 | -28.2% |
| Idaho | $856 | -$412 | -32.5% |
| Illinois | $944 | -$324 | -25.6% |
| Indiana | $954 | -$314 | -24.8% |
| Iowa | $854 | -$414 | -32.6% |
| Kansas | $1,204 | -$64 | -5.0% |
| Kentucky | $1,728 | $460 | 36.3% |
| Louisiana | $1,874 | $606 | 47.8% |
| Maine | $784 | -$484 | -38.2% |
| Maryland | $1,046 | -$222 | -17.5% |
| Massachusetts | $1,014 | -$254 | -20.0% |
| Michigan | $2,202 | $934 | 73.7% |
| Minnesota | $1,060 | -$208 | -16.4% |
| Mississippi | $1,516 | $248 | 19.6% |
| Missouri | $1,124 | -$144 | -11.4% |
| Montana | $1,360 | $92 | 7.3% |
| Nebraska | $998 | -$270 | -21.3% |
| Nevada | $1,518 | $250 | 19.7% |
| New Hampshire | $914 | -$354 | -27.9% |
| New Jersey | $1,414 | $146 | 11.5% |
| New Mexico | $1,120 | -$148 | -11.7% |
| New York | $1,336 | $68 | 5.4% |
| North Carolina | $730 | -$538 | -42.4% |
| North Dakota | $1,036 | -$232 | -18.3% |
| Ohio | $874 | -$394 | -31.1% |
| Oklahoma | $1,302 | $34 | 2.7% |
| Oregon | $1,160 | -$108 | -8.5% |
| Pennsylvania | $1,208 | -$60 | -4.7% |
| Rhode Island | $1,690 | $422 | 33.3% |
| South Carolina | $1,148 | -$120 | -9.5% |
| South Dakota | $1,070 | -$198 | -15.6% |
| Tennessee | $1,108 | -$160 | -12.6% |
| Texas | $1,526 | $258 | 20.3% |
| Utah | $940 | -$328 | -25.9% |
| Vermont | $868 | -$400 | -31.5% |
| Virginia | $760 | -$508 | -40.1% |
| Washington | $978 | -$290 | -22.9% |
| West Virginia | $1,160 | -$108 | -8.5% |
| Wisconsin | $876 | -$392 | -30.9% |
| Wyoming | $1,128 | -$140 | -11.0% |
Opting for high physical damage deductibles could cut prices by as much as $440 each year, whereas buying more liability protection will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at least $1,500 to $2,100 additional each year, depending on your age. Mazda 3 insurance for high-risk drivers can be anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda 3 I Sport 4-Dr Sedan | $1,198 | $100 |
| Mazda 3 I SV 4-Dr Sedan | $1,198 | $100 |
| Mazda 3 I Touring 4-Dr Sedan | $1,268 | $106 |
| Mazda 3 S Sport 4-Dr Hatchback | $1,300 | $108 |
| Mazda 3 S Sport 4-Dr Sedan | $1,300 | $108 |
| Mazda 3 S Grand Touring 4-Dr Hatchback | $1,334 | $111 |
| Mazda 3 S Grand Touring 4-Dr Sedan | $1,334 | $111 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Mazda 3 | $230 | $424 | $456 | $1,268 |
| 2013 Mazda 3 | $194 | $306 | $474 | $1,132 |
| 2010 Mazda 3 | $162 | $236 | $474 | $1,030 |
| 2009 Mazda 3 | $152 | $214 | $474 | $998 |
| 2008 Mazda 3 | $148 | $192 | $468 | $966 |
| 2007 Mazda 3 | $146 | $188 | $460 | $952 |
| 2005 Mazda 3 | $132 | $170 | $446 | $906 |
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 Find More Affordable Mazda 3 Insurance
Getting lower rates on Mazda 3 insurance requires having a decent driving record, having a good credit history, being claim-free, and deciding if full coverage is necessary. Invest the time to shop around at least once a year by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.
The following items are a summary of the primary concepts that were illustrated above.
- You may be able to save up to $150 per year just by quoting online well ahead of the renewal date
- High-risk drivers who have multiple accidents or major violations pay on average $1,480 more every year than a driver with a clean driving record
- Increasing physical damage deductibles can save around $425 each year
- 16 to 18-year-old drivers are charged the highest prices, possibly costing $409 a month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,904 |
| 20 | $2,938 |
| 30 | $1,308 |
| 40 | $1,268 |
| 50 | $1,160 |
| 60 | $1,138 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,554 |
| $250 | $1,420 |
| $500 | $1,268 |
| $1,000 | $1,118 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,268 |
| 50/100 | $1,425 |
| 100/300 | $1,539 |
| 250/500 | $1,836 |
| 100 CSL | $1,471 |
| 300 CSL | $1,722 |
| 500 CSL | $1,904 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,970 |
| 20 | $4,684 |
| 30 | $2,796 |
| 40 | $2,750 |
| 50 | $2,630 |
| 60 | $2,608 |
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 | $67 |
| Multi-vehicle | $68 |
| Homeowner | $20 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $55 |
| Advance Quote | $61 |
| Online Quote | $89 |
| Total Discounts | $531 |
Discounts are estimated and may not be available from every company or in every state.
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