Mazda 3 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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:
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.
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.
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
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.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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 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
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$93|
|5-yr Claim Free||$84|
|Paid in Full/EFT||$57|
Discounts are estimated and may not be available from every company or in every state.