Mazda CX-3 Insurance Rates
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Michelle Robbins
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UPDATED: Apr 2, 2024
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Average insurance rates for a Mazda CX-3 are $1,176 a year including full coverage. Comprehensive insurance costs around $220 each year, collision insurance costs $338, and liability is estimated at $460. A liability-only policy costs approximately $510 a year, and high-risk insurance costs $2,534 or more. 16-year-old drivers receive the highest rates at up to $4,576 a year.
Average premium for full coverage: $1,176
Rate estimates for individual coverage type:
Includes $500 deductible amounts, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and CX-3 models.
Price Range by Coverage and Risk
For an average driver, prices range range from as low as $510 for your basic liability-only policy to a high rate of $2,534 for a driver who has had serious violations or accidents.
Price Range by Location
Living in a larger city can have significant affects on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than congested cities. The graphic below illustrates the effect of geographic area on auto insurance rates.
These examples highlight why all drivers should get quotes for a specific zip code and risk profile, instead of using rate 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 Information
The chart below breaks down average Mazda CX-3 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $698
- Choosing higher $1,000 deductibles can save about $128 every year
- The average rate for a 40-year-old driver using $500 deductibles is $1,176
- Buying low deductibles for comp and collision coverage will cost an extra $242 every year
- Unlucky drivers with multiple tickets or accidents could pay at least $2,534
- The cost for full coverage for a teen driver can be $4,576 each year
Insurance rates for a Mazda CX-3 can also vary considerably based on your driver profile, the model of your CX-3, and deductibles and policy limits.
More mature drivers with a clean driving record and high deductibles may pay as little as $1,100 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay as much as $4,500 a year. View Rates by Age
Where you live plays a big part in determining prices for Mazda CX-3 insurance prices. A good driver about age 40 could pay as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,680 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,064 | -$112 | -9.5% |
| Alaska | $900 | -$276 | -23.5% |
| Arizona | $976 | -$200 | -17.0% |
| Arkansas | $1,176 | -$0 | 0.0% |
| California | $1,338 | $162 | 13.8% |
| Colorado | $1,124 | -$52 | -4.4% |
| Connecticut | $1,208 | $32 | 2.7% |
| Delaware | $1,330 | $154 | 13.1% |
| Florida | $1,470 | $294 | 25.0% |
| Georgia | $1,084 | -$92 | -7.8% |
| Hawaii | $844 | -$332 | -28.2% |
| Idaho | $794 | -$382 | -32.5% |
| Illinois | $876 | -$300 | -25.5% |
| Indiana | $884 | -$292 | -24.8% |
| Iowa | $792 | -$384 | -32.7% |
| Kansas | $1,116 | -$60 | -5.1% |
| Kentucky | $1,604 | $428 | 36.4% |
| Louisiana | $1,740 | $564 | 48.0% |
| Maine | $726 | -$450 | -38.3% |
| Maryland | $970 | -$206 | -17.5% |
| Massachusetts | $942 | -$234 | -19.9% |
| Michigan | $2,042 | $866 | 73.6% |
| Minnesota | $984 | -$192 | -16.3% |
| Mississippi | $1,408 | $232 | 19.7% |
| Missouri | $1,042 | -$134 | -11.4% |
| Montana | $1,262 | $86 | 7.3% |
| Nebraska | $928 | -$248 | -21.1% |
| Nevada | $1,410 | $234 | 19.9% |
| New Hampshire | $848 | -$328 | -27.9% |
| New Jersey | $1,316 | $140 | 11.9% |
| New Mexico | $1,040 | -$136 | -11.6% |
| New York | $1,240 | $64 | 5.4% |
| North Carolina | $676 | -$500 | -42.5% |
| North Dakota | $962 | -$214 | -18.2% |
| Ohio | $812 | -$364 | -31.0% |
| Oklahoma | $1,208 | $32 | 2.7% |
| Oregon | $1,078 | -$98 | -8.3% |
| Pennsylvania | $1,122 | -$54 | -4.6% |
| Rhode Island | $1,568 | $392 | 33.3% |
| South Carolina | $1,064 | -$112 | -9.5% |
| South Dakota | $992 | -$184 | -15.6% |
| Tennessee | $1,030 | -$146 | -12.4% |
| Texas | $1,416 | $240 | 20.4% |
| Utah | $870 | -$306 | -26.0% |
| Vermont | $804 | -$372 | -31.6% |
| Virginia | $704 | -$472 | -40.1% |
| Washington | $910 | -$266 | -22.6% |
| West Virginia | $1,078 | -$98 | -8.3% |
| Wisconsin | $814 | -$362 | -30.8% |
| Wyoming | $1,048 | -$128 | -10.9% |
Opting for high physical damage deductibles can save as much as $370 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying at least $1,400 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 133% more than the average rate. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Mazda CX-3 | $248 | $430 | $442 | $1,278 |
| 2020 Mazda CX-3 | $238 | $400 | $452 | $1,248 |
| 2019 Mazda CX-3 | $230 | $376 | $456 | $1,220 |
| 2018 Mazda CX-3 | $220 | $338 | $460 | $1,176 |
| 2017 Mazda CX-3 | $206 | $310 | $460 | $1,134 |
| 2016 Mazda CX-3 | $198 | $292 | $464 | $1,112 |
Rates are averaged for all Mazda CX-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 CX-3 Insurance
Saving money on car insurance takes having a good driving record, maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Take the time to compare rates every other policy renewal by quoting rates from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.
The next list is a recap of the ideas that were covered in the above illustrations.
- Drivers age 20 and younger pay higher rates, as much as $381 per month for full coverage
- Higher risk drivers that have major violations or accidents pay on average $1,360 more every year to buy Mazda CX-3 insurance
- Increasing deductibles can save around $375 each year
- You may be able to save up to $140 per year just by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,576 |
| 20 | $2,696 |
| 30 | $1,208 |
| 40 | $1,176 |
| 50 | $1,076 |
| 60 | $1,054 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,418 |
| $250 | $1,306 |
| $500 | $1,176 |
| $1,000 | $1,048 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,176 |
| 50/100 | $1,268 |
| 100/300 | $1,383 |
| 250/500 | $1,682 |
| 100 CSL | $1,314 |
| 300 CSL | $1,567 |
| 500 CSL | $1,751 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,480 |
| 20 | $4,294 |
| 30 | $2,572 |
| 40 | $2,534 |
| 50 | $2,422 |
| 60 | $2,400 |
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 | $61 |
| Multi-vehicle | $63 |
| Homeowner | $19 |
| 5-yr Accident Free | $78 |
| 5-yr Claim Free | $75 |
| Paid in Full/EFT | $47 |
| Advance Quote | $54 |
| Online Quote | $81 |
| Total Discounts | $478 |
Discounts are estimated and may not be available from every company or in every state.
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