Mazda CX-3 Insurance Rates
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UPDATED: Apr 2, 2024
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Average auto insurance rates for a Mazda CX-3 are $1,176 annually for full coverage insurance. Comprehensive insurance costs around $220 each year, collision costs $338, and liability insurance is estimated at $460. A liability-only policy costs approximately $510 a year, with high-risk insurance costing $2,534 or more. Teen drivers receive the highest rates at $4,576 a year or more.
Average premium for full coverage: $1,176
Rate estimates for individual coverage type:
Rate estimates include $500 deductible amounts, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and CX-3 models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as cheap as $510 for just liability insurance to a high rate of $2,534 for high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than larger metro areas.
The graphic below illustrates the difference location can make on auto insurance rates.
These examples illustrate why all drivers should get quotes for a specific zip code and their own personal driving habits, rather than relying on 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 estimated Mazda CX-3 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $698
- Choosing higher $1,000 deductibles can save about $128 each year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,176
- Choosing low deductibles for comp and collision coverage costs an additional $242 a year
- High-risk insureds with multiple violations and an at-fault accident could pay at least $2,534 or more
- The cost with 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 the trim level of your CX-3, your risk profile, and deductibles and policy limits.
More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,100 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay as much as $4,500 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at least $1,400 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $370 each year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Mazda CX-3 insurance rates. A good driver about age 40 could pay as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,590 on average in Michigan, New York, and Florida.
| 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% |
With so much variability in rates, the only way to figure out your exact price is to do a rate comparison from as many companies as possible. Each auto insurer uses a different rate calculation, so the rates can be significantly different between companies.
| 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 Buy the Best Mazda CX-3 Insurance
Saving money on Mazda CX-3 insurance takes having a good driving record, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates every couple of years by quoting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
The next list is a brief recap of the material that was touched on in this article.
- Drivers who may need increased levels of liability coverage will pay about $510 annually to raise limits from a minimum limit to higher 250/500 limits
- Drivers age 20 and younger pay higher rates, costing up to $381 per month including comprehensive and collision insurance
- High-risk drivers who tend to receive serious violations pay on average $1,360 more every year to buy Mazda CX-3 insurance
- Increasing deductibles could save up to $375 each year
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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