Mazda CX-3 Insurance Rates
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UPDATED: May 12, 2022
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The average insurance rates for a Mazda CX-3 are $1,220 a year for full coverage. Comprehensive insurance costs around $230 a year, collision costs $376, and liability coverage costs $456. Liability-only coverage costs as little as $508 a year, with high-risk coverage costing $2,636 or more. Teen drivers cost the most to insure at $4,720 a year or more.
Average premium for full coverage: $1,220
Policy rates for type of insurance:
Price estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and CX-3 trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Mazda CX-3 insurance rates go from the low end price of $508 for just liability insurance to a high of $2,636 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location has a large influence on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than larger metro areas.
The diagram below illustrates how rural and urban location affects auto insurance rates.
The examples above show why it is important to compare rates for a specific zip code, rather than using 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 shows estimated Mazda CX-3 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $717
- Drivers who choose higher $1,000 deductibles will pay about $1,082 a year
- The estimated price for a good driver age 40 using $500 deductibles is $1,220
- Choosing low $100 deductibles for comprehensive and collision insurance will cost an additional $266 each year
- High-risk insureds with multiple violations and an at-fault accident could pay at least $2,636 or more
- Policy cost that insures a teenage driver can be $4,720 a year
Insurance rates for a Mazda CX-3 also range considerably based on the trim level of your CX-3, how you drive, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you could be paying at least $1,500 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy can cost around 42% to 137% more than average. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay as much as $4,700 a year. View Rates by Age
Your home state makes a big difference in Mazda CX-3 insurance rates. A 40-year-old driver could pay as low as $800 a year in states like Idaho, Maine, and Iowa, or as much as $1,740 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles could save up to $410 a year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know your exact price is to get quotes and see how they stack up. Every company uses a different rate calculation, and rates will be varied.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2016 Mazda CX-3||$230||$376||$456||$1,220|
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 Cheaper Mazda CX-3 Insurance
Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Shop around at least every other year by quoting rates from direct carriers, and also from several local insurance agents.
Below is a condensed summary of the car insurance concepts raised in the charts and tables above.
- Drivers with multiple at-fault accidents pay on average $1,420 more every year for auto insurance
- Drivers can save up to $140 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save approximately $400 each year
- Consumers who may need higher levels of liability will pay about $500 each year to go from a 30/60 limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$83|
|5-yr Claim Free||$78|
|Paid in Full/EFT||$51|
Discounts are estimated and may not be available from every company or in every state.
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