Mazda CX-3 Insurance Rates

The average insurance rates for a Mazda CX-3 are $1,176 a year for full coverage. Comprehensive costs an estimated $220, collision insurance costs $338, and liability coverage costs around $460. Liability-only coverage costs as low as $510 a year, and high-risk coverage costs around $2,534. Teens cost the most to insure at up to $4,576 a year.

Average premium for full coverage: $1,176

Policy rates broken down by type of insurance:

Prices include $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different CX-3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. More rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on insurance prices.

The examples above show why anyone shopping for car insurance should compare prices for a targeted area, rather than using averaged prices.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below shows average Mazda CX-3 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $698
• Using higher $1,000 deductibles will save approximately $128 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,176
• Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $1,418
• Higher-risk drivers with serious driving violations could pay up to $2,534
• Policy cost that insures a teenage driver with full coverage can cost as much as $4,576 or more

View Chart as Image

Insurance rates for a Mazda CX-3 also range considerably based on the model year and trim level, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,400 to $2,000 additional every year, depending on your age. High-risk driver insurance can be around 44% to 133% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,500 a year. View Rates by Age

Your home state has a huge impact on Mazda CX-3 insurance rates. A driver around age 40 might see rates as low as $780 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,680 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $370 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

How to Find the Right Mazda CX-3 Insurance

Finding cheaper rates on auto insurance requires being a good driver, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Compare rates once a year by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The following list is a quick rundown of the data that was covered above.

• Drivers can save approximately $140 per year just by shopping early and online
• Consumers who want an increased level of liability coverage will pay approximately $510 each year to increase from a 30/60 limit to the 250/500 level
• Drivers age 16 to 20 are expensive to insure, costing up to $381 each month if comprehensive and collision insurance is included
• Drivers with reckless driving or DUI convictions may pay on average $1,360 more annually than a safer driver