Mazda 3 Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jul 22, 2024
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U.S. average insurance prices for a Mazda 3 are $1,384 every 12 months including full coverage. Comprehensive insurance costs around $294, collision insurance costs $542, and liability coverage is estimated at $390. Liability-only insurance costs approximately $452 a year, and high-risk driver insurance costs $2,992 or more. Teen drivers pay the highest rates at up to $5,148 a year.
Average premium for full coverage: $1,384
Price estimates for individual coverage:
These estimates include $500 deductible amounts, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for all 3 models.
Price Range from Low to High
Using a middle-aged driver as an example, Mazda 3 insurance prices range from the cheapest price of $452 for a discount liability-only rate to the much higher price of $2,992 for high-risk insurance.
Geographic Price Range
Living in a larger city has a large influence on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than larger metro areas. The example below illustrates how where you live affects auto insurance rates.
The ranges above highlight why everyone should get quotes for a specific zip code and their own driving history, 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.
Rates by State, City, and Model
The chart below breaks down average Mazda 3 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $795
- Choosing higher $1,000 deductibles can save about $190 every year
- The average price for the average middle-age driver using $500 deductibles is $1,384
- Choosing pricier low deductibles for comp and collision coverage costs an extra $366 each year
- Drivers with multiple violations and an at-fault accident could pay at least $2,992
- The price to insure a teenage driver for full coverage can be $5,148 each year
Car insurance prices for a Mazda 3 are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.
Choosing high deductibles can save as much as $560 a year, whereas buying more liability protection will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may only pay around $1,300 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged as much as $5,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,600 to $2,200 extra each year, depending on your age. Mazda 3 insurance for high-risk drivers ranges around 43% to 129% more than average. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Mazda 3 insurance rates. A good driver about age 40 could pay as low as $1,060 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,970 on average in Michigan, New York, and Louisiana.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Cheap Mazda 3 Insurance
Getting lower rates on auto insurance takes having a good driving record, maintaining a good credit score, being claim-free, and consideration of higher deductibles. Take the time to comparison shop every couple of years by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The next list is a brief summary of the material that was touched on in the above illustrations.
- Consumers who may need increased levels of liability coverage will pay about $430 per year to raise limits from a low limit to a 250/500 level
- Drivers age 20 and younger are the costliest to insure, possibly costing $429 a month if the policy includes full coverage
- Drivers that tend to have accidents or serious violations could be forced to pay on average $1,610 more every year to buy Mazda 3 insurance
- Increasing physical damage deductibles could save as much as $550 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,750 |
| $250 | $1,580 |
| $500 | $1,384 |
| $1,000 | $1,194 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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