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: Mar 15, 2023

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Estimated insurance rates for a Mazda 3 are $1,298 a year for full coverage insurance. Comprehensive costs an estimated $238, collision insurance costs $450, and liability coverage costs around $452. Liability-only insurance costs as low as $504 a year, and high-risk driver insurance costs around $2,820. Teen drivers pay the most at up to $4,998 a year.

Average premium for full coverage: $1,298

Premium estimates broken down by type of coverage:

Comprehensive $238
Collision $450
Liability $452

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for all 3 models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Mazda 3 range from as low as $504 for just liability insurance to the much higher price of $2,820 for a driver who requires high-risk insurance.

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

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than larger metro areas. The example below illustrates how your location can change insurance prices.

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

These rate differences illustrate why everyone should compare prices for a targeted area and risk profile, rather than using price 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.

More Rate Details

The chart below illustrates average Mazda 3 insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $752
  • Using higher $1,000 deductibles will save approximately $156 each year
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,298
  • Choosing pricier low deductibles for physical damage coverage will increase the cost to $1,602
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,820
  • An auto insurance policy for full coverage for a teenage driver for full coverage can cost as much as $4,998 or more

View Chart as Image

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

Insurance prices for a Mazda 3 also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay at least $4,900 a year. View Rates by Age

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 $850 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,750 on average in Florida, New York, and Michigan.

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

Choosing high deductibles could cut prices by as much as $460 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,600 to $2,200 additional annually, depending on your age. Mazda 3 insurance for high-risk drivers can be around 44% to 137% more than average. View High Risk Driver Rates

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 Find the Cheapest Mazda 3 Insurance

Finding better rates on auto insurance requires avoiding accidents and claims, having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Invest the time to shop around at every other renewal by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a recap of the concepts that were illustrated above.

  • Drivers that have major violations or accidents pay on average $1,520 more annually to insure a Mazda 3
  • Drivers under the age of 20 are expensive to insure, with premiums being up to $417 per month including comprehensive and collision insurance
  • It is possible to save approximately $150 per year just by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save around $450 each year
  • It is possible to save approximately $150 per year just by quoting online well ahead of the renewal date

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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