Mazda CX-3 Insurance Rates

U.S. average insurance rates for a Mazda CX-3 are $1,176 a year for full coverage. Comprehensive costs on average $220 a year, collision insurance costs $338, and liability insurance is $460. Liability-only insurance costs around $510 a year, and high-risk driver insurance costs around $2,534. Teenage drivers pay the highest rates at up to $4,576 a year.

Average premium for full coverage: $1,176

Price estimates by individual coverage:

Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and CX-3 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas have lower incidents of accident claims than densely populated cities. The diagram below illustrates how where you live affects car insurance rates.

The ranges above show why it is important to compare rates quotes based on a specific location, rather than relying on average rates.

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

Additional Rate Details

The chart below shows average Mazda CX-3 insurance rates for different risk profiles and scenarios.

• The best discount rate is $698
• Raising to $1,000 deductibles will save around $1,048 a year
• The estimated price for the average middle-age driver with $500 deductibles is $1,176
• Using low $100 deductibles bumps up the cost to $1,418
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,534
• The price that insures a teen driver may cost $4,576

View Chart as Image

Car insurance prices for a Mazda CX-3 are also quite variable based on the trim level of your CX-3, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you could be paying at a minimum $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 133% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged upwards of $4,500 a year. View Rates by Age

The state you live in also has a big influence on Mazda CX-3 insurance rates. A middle-age driver might find prices as low as $780 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,680 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $370 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Cheapest Mazda CX-3 Insurance

Getting lower rates on Mazda CX-3 insurance consists of avoiding accidents and claims, having a positive credit history, eliminating unnecessary coverage, and possibly raising deductibles. Compare prices every other policy renewal by requesting rates from direct carriers, and also from local exclusive and independent agents.

The points below are a recap of the ideas that were touched on in the above illustrations.

• Drivers under the age of 20 are expensive to insure, with premiums as much as $381 a month if full coverage is purchased
• High-risk drivers that have major violations or accidents may pay on average $1,360 more each year to insure a Mazda CX-3
• Increasing physical damage deductibles can save approximately $375 each year
• Drivers can save as much as $140 per year just by quoting early and online