Mazda CX-3 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 2, 2024

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Estimated insurance rates for a Mazda CX-3 are $1,248 a year for full coverage insurance. Comprehensive costs an estimated $238 a year, collision costs $400, and liability costs $452. A liability-only policy costs as little as $504 a year, with high-risk insurance costing around $2,698. 16-year-old drivers pay the most at $4,804 a year or more.

Average premium for full coverage: $1,248

Premium estimates broken down by type of coverage:

Comprehensive $238
Collision $400
Liability $452

Prices include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and CX-3 trim levels.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Mazda CX-3 go from as low as $504 for just the minimum liability insurance to a high of $2,698 for a driver who has had serious violations or accidents.

Liability Only $504
Full Coverage $1,248
High Risk $2,698

Insurance Price Range by Location

Your location can make a big difference on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than congested cities.

The diagram below illustrates the difference location can make on insurance prices.

Rural Areas $936
Small Cities $1,310
Large Cities $1,685

These rate differences illustrate why it is important to compare rates for a targeted area and risk profile, instead of making a decision based on 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.

Additional Rate Analysis

The chart below illustrates estimated Mazda CX-3 insurance rates for other coverage scenarios.

  • The best full coverage rate is $731
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,104 each year
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,248
  • Buying low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,528
  • Drivers with multiple tickets or accidents could pay up to $2,698 or more
  • An auto insurance policy for full coverage for a 16-year-old driver can cost as much as $4,804 a year

View Chart as Image

Mazda CX-3 insurance cost comparison chart
Column chart showing full coverage Mazda CX-3 insurance rates range from $731 to $4,804

Auto insurance prices for a Mazda CX-3 also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.

Older drivers with a good driving record and high deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay at least $4,800 a year. View Rates by Age

Where you choose to live makes a big difference in Mazda CX-3 insurance prices. A 40-year-old driver could pay as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,690 on average in Florida, New York, and Michigan.

Mazda CX-3 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,130 -$118 -9.5%
Alaska $956 -$292 -23.4%
Arizona $1,036 -$212 -17.0%
Arkansas $1,248 -$0 0.0%
California $1,422 $174 13.9%
Colorado $1,192 -$56 -4.5%
Connecticut $1,284 $36 2.9%
Delaware $1,412 $164 13.1%
Florida $1,562 $314 25.2%
Georgia $1,152 -$96 -7.7%
Hawaii $896 -$352 -28.2%
Idaho $844 -$404 -32.4%
Illinois $930 -$318 -25.5%
Indiana $940 -$308 -24.7%
Iowa $842 -$406 -32.5%
Kansas $1,186 -$62 -5.0%
Kentucky $1,704 $456 36.5%
Louisiana $1,848 $600 48.1%
Maine $770 -$478 -38.3%
Maryland $1,028 -$220 -17.6%
Massachusetts $998 -$250 -20.0%
Michigan $2,168 $920 73.7%
Minnesota $1,044 -$204 -16.3%
Mississippi $1,494 $246 19.7%
Missouri $1,106 -$142 -11.4%
Montana $1,340 $92 7.4%
Nebraska $984 -$264 -21.2%
Nevada $1,498 $250 20.0%
New Hampshire $900 -$348 -27.9%
New Jersey $1,394 $146 11.7%
New Mexico $1,106 -$142 -11.4%
New York $1,314 $66 5.3%
North Carolina $720 -$528 -42.3%
North Dakota $1,024 -$224 -17.9%
Ohio $862 -$386 -30.9%
Oklahoma $1,280 $32 2.6%
Oregon $1,142 -$106 -8.5%
Pennsylvania $1,192 -$56 -4.5%
Rhode Island $1,664 $416 33.3%
South Carolina $1,130 -$118 -9.5%
South Dakota $1,054 -$194 -15.5%
Tennessee $1,092 -$156 -12.5%
Texas $1,506 $258 20.7%
Utah $924 -$324 -26.0%
Vermont $856 -$392 -31.4%
Virginia $748 -$500 -40.1%
Washington $964 -$284 -22.8%
West Virginia $1,142 -$106 -8.5%
Wisconsin $864 -$384 -30.8%
Wyoming $1,112 -$136 -10.9%

View Chart as Image

Mazda CX-3 insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $430 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,500 to $2,100 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost from 44% to 134% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes from multiple companies. Every company utilizes a different rate formula, and quoted prices will be substantially different from one company to the next.

Mazda CX-3 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2021 Mazda CX-3 $272 $466 $416 $1,312
2020 Mazda CX-3 $262 $446 $430 $1,296
2019 Mazda CX-3 $248 $430 $442 $1,278
2018 Mazda CX-3 $238 $400 $452 $1,248
2017 Mazda CX-3 $230 $376 $456 $1,220
2016 Mazda CX-3 $220 $338 $460 $1,176

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 Right Mazda CX-3 Insurance

Finding better rates on insurance for a Mazda CX-3 not only requires being a low-risk driver, but also having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Make time to compare rates every other policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a quick rundown of the ideas that were touched on in this article.

  • Teen drivers are the costliest to insure, with premiums being up to $400 per month if they have full coverage
  • Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,450 more annually to insure their CX-3
  • Increasing policy deductibles can save around $425 each year
  • It is possible to save approximately $150 per year simply by quoting early and online

Rates by Driver Age

Mazda CX-3 Insurance Rates by Driver Age
Driver Age Premium
16 $4,804
20 $2,874
30 $1,288
40 $1,248
50 $1,142
60 $1,120

Full coverage, $500 deductibles

Rates by Deductible

Mazda CX-3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,528
$250 $1,400
$500 $1,248
$1,000 $1,104

Full coverage, driver age 40

Rates by Liability Limit

Mazda CX-3 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,248
50/100 $1,338
100/300 $1,451
250/500 $1,745
100 CSL $1,384
300 CSL $1,632
500 CSL $1,813

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda CX-3 Insurance Rates for High Risk Drivers
Age Premium
16 $6,824
20 $4,578
30 $2,742
40 $2,698
50 $2,578
60 $2,556

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.

SR-22 Surcharge $173

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $65
Multi-vehicle $67
Homeowner $20
5-yr Accident Free $86
5-yr Claim Free $80
Paid in Full/EFT $53
Advance Quote $59
Online Quote $87
Total Discounts $517
Rate after discounts $731

Discounts are estimated and may not be available from every company or in every state.

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