Mazda CX-3 Insurance Rates
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UPDATED: Apr 2, 2024
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Average insurance prices for a Mazda CX-3 are $1,220 every 12 months including full coverage. Comprehensive costs approximately $230 each year, collision costs $376, and liability is estimated at $456. A liability-only policy costs approximately $508 a year, with high-risk insurance costing around $2,636. Teen drivers receive the highest rates at $4,720 a year or more.
Average premium for full coverage: $1,220
Rate estimates by individual coverage type:
Rates are based on $500 deductible amounts, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and CX-3 models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the cheapest price of $508 for a discount liability-only rate to a high rate of $2,636 for a driver required to buy high-risk insurance.
Price Range by Location
Living in a larger city can make a big difference on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than larger metro areas.
The graphic below illustrates how rural and urban location affects auto insurance prices.
These examples highlight why all drivers should get quotes using their specific location and their own driving history, instead of making a decision based 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.
Rates by State, City, and Model
The chart below breaks down estimated Mazda CX-3 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $717
- Choosing higher $1,000 deductibles can save $138 every year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,220
- Choosing low deductibles for comp and collision coverage increases the price to $1,486
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,636 or more
- The cost to insure a 16-year-old driver can cost $4,720 each year
Insurance rates for a Mazda CX-3 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your CX-3.
Choosing high deductibles can save as much as $410 annually, whereas increasing liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as low as $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay in the ballpark of $4,700 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,500 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers ranges from 42% to 137% more than average. View High Risk Driver Rates
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 $940 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,740 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,104 | -$116 | -9.5% |
| Alaska | $936 | -$284 | -23.3% |
| Arizona | $1,012 | -$208 | -17.0% |
| Arkansas | $1,220 | -$0 | 0.0% |
| California | $1,392 | $172 | 14.1% |
| Colorado | $1,166 | -$54 | -4.4% |
| Connecticut | $1,254 | $34 | 2.8% |
| Delaware | $1,382 | $162 | 13.3% |
| Florida | $1,526 | $306 | 25.1% |
| Georgia | $1,126 | -$94 | -7.7% |
| Hawaii | $876 | -$344 | -28.2% |
| Idaho | $824 | -$396 | -32.5% |
| Illinois | $908 | -$312 | -25.6% |
| Indiana | $918 | -$302 | -24.8% |
| Iowa | $822 | -$398 | -32.6% |
| Kansas | $1,160 | -$60 | -4.9% |
| Kentucky | $1,664 | $444 | 36.4% |
| Louisiana | $1,806 | $586 | 48.0% |
| Maine | $754 | -$466 | -38.2% |
| Maryland | $1,006 | -$214 | -17.5% |
| Massachusetts | $976 | -$244 | -20.0% |
| Michigan | $2,120 | $900 | 73.8% |
| Minnesota | $1,022 | -$198 | -16.2% |
| Mississippi | $1,460 | $240 | 19.7% |
| Missouri | $1,082 | -$138 | -11.3% |
| Montana | $1,310 | $90 | 7.4% |
| Nebraska | $960 | -$260 | -21.3% |
| Nevada | $1,462 | $242 | 19.8% |
| New Hampshire | $880 | -$340 | -27.9% |
| New Jersey | $1,362 | $142 | 11.6% |
| New Mexico | $1,080 | -$140 | -11.5% |
| New York | $1,286 | $66 | 5.4% |
| North Carolina | $702 | -$518 | -42.5% |
| North Dakota | $998 | -$222 | -18.2% |
| Ohio | $842 | -$378 | -31.0% |
| Oklahoma | $1,254 | $34 | 2.8% |
| Oregon | $1,116 | -$104 | -8.5% |
| Pennsylvania | $1,162 | -$58 | -4.8% |
| Rhode Island | $1,628 | $408 | 33.4% |
| South Carolina | $1,104 | -$116 | -9.5% |
| South Dakota | $1,030 | -$190 | -15.6% |
| Tennessee | $1,068 | -$152 | -12.5% |
| Texas | $1,470 | $250 | 20.5% |
| Utah | $904 | -$316 | -25.9% |
| Vermont | $836 | -$384 | -31.5% |
| Virginia | $732 | -$488 | -40.0% |
| Washington | $942 | -$278 | -22.8% |
| West Virginia | $1,118 | -$102 | -8.4% |
| Wisconsin | $844 | -$376 | -30.8% |
| Wyoming | $1,088 | -$132 | -10.8% |
With so much variability in rates, the best way to figure out who has the best auto insurance rates is to do a rate comparison from multiple companies. Each auto insurer uses a different rate calculation, so the rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Mazda CX-3 | $262 | $446 | $430 | $1,296 |
| 2020 Mazda CX-3 | $248 | $430 | $442 | $1,278 |
| 2019 Mazda CX-3 | $238 | $400 | $452 | $1,248 |
| 2018 Mazda CX-3 | $230 | $376 | $456 | $1,220 |
| 2017 Mazda CX-3 | $220 | $338 | $460 | $1,176 |
| 2016 Mazda CX-3 | $206 | $310 | $460 | $1,134 |
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 Shop for the Best Cheap Mazda CX-3 Insurance
Saving money on insurance for a Mazda CX-3 takes having a good driving record, having good credit, not filing small claims, and maximizing policy discounts. Set aside time to shop around at every policy renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.
The next list is a quick review of the data raised in the charts and tables above.
- Insureds who purchase increased levels of liability coverage will pay about $500 per year to raise limits from a minimum limit to a 250/500 level
- You may be able to save around $140 per year simply by quoting online in advance
- Increasing deductibles could save as much as $400 each year
- Drivers age 20 and younger are expensive to insure, as much as $393 per month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,720 |
| 20 | $2,808 |
| 30 | $1,258 |
| 40 | $1,220 |
| 50 | $1,116 |
| 60 | $1,094 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,486 |
| $250 | $1,362 |
| $500 | $1,220 |
| $1,000 | $1,082 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,220 |
| 50/100 | $1,311 |
| 100/300 | $1,425 |
| 250/500 | $1,722 |
| 100 CSL | $1,357 |
| 300 CSL | $1,608 |
| 500 CSL | $1,790 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,700 |
| 20 | $4,472 |
| 30 | $2,676 |
| 40 | $2,636 |
| 50 | $2,518 |
| 60 | $2,496 |
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 | $64 |
| Multi-vehicle | $65 |
| Homeowner | $20 |
| 5-yr Accident Free | $83 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $51 |
| Advance Quote | $57 |
| Online Quote | $85 |
| Total Discounts | $503 |
Discounts are estimated and may not be available from every company or in every state.
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