Mazda 3 Insurance Rates

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UPDATED: Apr 23, 2024

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U.S. average insurance prices for a Mazda 3 are $1,384 every 12 months with full coverage. Comprehensive costs approximately $294, collision insurance costs $542, and liability is $390. Buying just liability costs around $452 a year, and insurance for high-risk drivers costs around $2,992. Teen drivers pay the highest rates at up to $5,148 a year.

Average premium for full coverage: $1,384

Price estimates by individual coverage:

Comprehensive $294
Collision $542
Liability $390

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different 3 trim levels.

Price Range from Low to High

For the average 40-year-old driver, Mazda 3 insurance prices range from the cheapest price of $452 for basic liability insurance to a much higher rate of $2,992 for a driver who requires high-risk insurance.

Liability Only $452
Full Coverage $1,384
High Risk $2,992

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations have more infrequent collision claims than larger metro areas. The price range example below illustrates the difference location can make on auto insurance prices.

Rural Areas $1,038
Small Cities $1,453
Large Cities $1,868

The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, instead of making a decision based on 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.

Rate Comparisons

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

  • The lowest rate with discounts is $795
  • Raising to $1,000 deductibles will save $190 annually
  • The average price for the average middle-age driver who chooses $500 deductibles is $1,384
  • Choosing more expensive low deductibles increases the price to $1,750
  • Drivers with multiple violations and an at-fault accident could pay around $2,992
  • The price to insure a 16-year-old driver with full coverage can cost $5,148

View Chart as Image

Mazda 3 insurance cost comparison chart
Column chart showing Mazda 3 insurance rates range from $795 to $5,148 for full coverage

Insurance prices for a Mazda 3 are also quite variable based on deductibles and policy limits, your driving record, and the model of your 3.

Choosing high deductibles can reduce prices by up to $560 annually, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $351 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as low as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,600 to $2,200 additional each year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 129% more than average. View High Risk Driver Rates

The state you live in also has a big influence on Mazda 3 insurance prices. A middle-age driver might find prices as low as $1,000 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,870 on average in New York, Michigan, and Florida.

Mazda 3 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,250 -$134 -9.7%
Alaska $1,060 -$324 -23.4%
Arizona $1,148 -$236 -17.1%
Arkansas $1,384 -$0 0.0%
California $1,574 $190 13.7%
Colorado $1,320 -$64 -4.6%
Connecticut $1,422 $38 2.7%
Delaware $1,566 $182 13.2%
Florida $1,730 $346 25.0%
Georgia $1,278 -$106 -7.7%
Hawaii $992 -$392 -28.3%
Idaho $934 -$450 -32.5%
Illinois $1,030 -$354 -25.6%
Indiana $1,042 -$342 -24.7%
Iowa $934 -$450 -32.5%
Kansas $1,314 -$70 -5.1%
Kentucky $1,886 $502 36.3%
Louisiana $2,048 $664 48.0%
Maine $854 -$530 -38.3%
Maryland $1,140 -$244 -17.6%
Massachusetts $1,106 -$278 -20.1%
Michigan $2,404 $1,020 73.7%
Minnesota $1,156 -$228 -16.5%
Mississippi $1,656 $272 19.7%
Missouri $1,226 -$158 -11.4%
Montana $1,486 $102 7.4%
Nebraska $1,092 -$292 -21.1%
Nevada $1,658 $274 19.8%
New Hampshire $996 -$388 -28.0%
New Jersey $1,546 $162 11.7%
New Mexico $1,226 -$158 -11.4%
New York $1,458 $74 5.3%
North Carolina $796 -$588 -42.5%
North Dakota $1,132 -$252 -18.2%
Ohio $956 -$428 -30.9%
Oklahoma $1,422 $38 2.7%
Oregon $1,268 -$116 -8.4%
Pennsylvania $1,320 -$64 -4.6%
Rhode Island $1,846 $462 33.4%
South Carolina $1,254 -$130 -9.4%
South Dakota $1,166 -$218 -15.8%
Tennessee $1,212 -$172 -12.4%
Texas $1,668 $284 20.5%
Utah $1,024 -$360 -26.0%
Vermont $946 -$438 -31.6%
Virginia $828 -$556 -40.2%
Washington $1,068 -$316 -22.8%
West Virginia $1,268 -$116 -8.4%
Wisconsin $958 -$426 -30.8%
Wyoming $1,234 -$150 -10.8%

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 $1,298 $108
Mazda 3 I SV 4-Dr Sedan $1,298 $108
Mazda 3 I Touring 4-Dr Sedan $1,384 $115
Mazda 3 S Sport 4-Dr Hatchback $1,424 $119
Mazda 3 S Sport 4-Dr Sedan $1,424 $119
Mazda 3 S Grand Touring 4-Dr Hatchback $1,468 $122
Mazda 3 S Grand Touring 4-Dr Sedan $1,468 $122

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.

Mazda 3 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Mazda 3 $294 $542 $390 $1,384
2023 Mazda 3 $282 $536 $398 $1,374
2022 Mazda 3 $272 $524 $416 $1,370
2021 Mazda 3 $262 $502 $430 $1,352
2020 Mazda 3 $248 $484 $442 $1,332
2019 Mazda 3 $238 $450 $452 $1,298
2018 Mazda 3 $230 $424 $456 $1,268
2017 Mazda 3 $220 $380 $460 $1,218
2016 Mazda 3 $206 $350 $460 $1,174
2015 Mazda 3 $198 $328 $464 $1,148
2014 Mazda 3 $194 $306 $474 $1,132
2013 Mazda 3 $180 $284 $474 $1,096
2012 Mazda 3 $174 $258 $478 $1,068
2011 Mazda 3 $162 $236 $474 $1,030
2010 Mazda 3 $152 $214 $474 $998
2009 Mazda 3 $148 $192 $468 $966
2008 Mazda 3 $146 $188 $460 $952
2007 Mazda 3 $144 $178 $452 $932
2005 Mazda 3 $126 $162 $442 $888

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 the Cheapest Mazda 3 Insurance

Getting lower rates on insurance for a Mazda 3 consists of being a good driver, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Make time to compare rates at every other renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a recap of the concepts that were touched on in this article.

  • Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,610 more per year than a safer driver
  • Drivers age 16 to 20 are the costliest to insure, costing up to $429 a month if full coverage is included
  • You may be able to save around $170 per year just by shopping early and online
  • Increasing physical damage deductibles could save as much as $550 each year
  • You may be able to save around $170 per year just by shopping early and online

Rates by Driver Age

Mazda 3 Insurance Rates by Driver Age
Driver Age Premium
16 $5,148
20 $3,196
30 $1,442
40 $1,384
50 $1,264
60 $1,238

Full coverage, $500 deductibles

Rates by Deductible

Mazda 3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,750
$250 $1,580
$500 $1,384
$1,000 $1,194

Full coverage, driver age 40

Rates by Liability Limit

Mazda 3 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,384
50/100 $1,546
100/300 $1,644
250/500 $1,897
100 CSL $1,585
300 CSL $1,800
500 CSL $1,956

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda 3 Insurance Rates for High Risk Drivers
Age Premium
16 $7,348
20 $5,084
30 $3,058
40 $2,992
50 $2,854
60 $2,830

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 $193

Potential Rate Discounts

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

Discount Savings
Multi-policy $74
Multi-vehicle $72
Homeowner $20
5-yr Accident Free $103
5-yr Claim Free $89
Paid in Full/EFT $64
Advance Quote $69
Online Quote $98
Total Discounts $589
Rate after discounts $795

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

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