Mazda 3 Insurance Rates
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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:
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.
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.
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
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.
| 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% |
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
| 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.
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,602 |
| $250 | $1,462 |
| $500 | $1,298 |
| $1,000 | $1,142 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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