Mazda CX-3 Insurance Rates

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UPDATED: Apr 2, 2024

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The average auto insurance rates for a Mazda CX-3 are $1,220 annually including full coverage. Comprehensive costs approximately $230 a year, collision costs $376, and liability is $456. Liability-only insurance costs around $508 a year, with high-risk driver insurance costing around $2,636. Teens cost the most to insure at $4,720 a year or more.

Average premium for full coverage: $1,220

Policy rates by type of insurance:

Comprehensive $230
Collision $376
Liability $456

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and CX-3 trim levels.

Price Range Variability

For the normal driver, Mazda CX-3 insurance rates go from as cheap as $508 for basic liability insurance to a high of $2,636 for a driver who has had serious violations or accidents.

Liability Only $508
Full Coverage $1,220
High Risk $2,636

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects auto insurance prices.

Rural Areas $915
Small Cities $1,281
Large Cities $1,647

The examples above highlight why it is important to compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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.

Rate Comparisons

The chart below breaks down estimated Mazda CX-3 insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $717
  • Raising to $1,000 deductibles will save $1,082 every year
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,220
  • Selecting low $100 deductibles will cost $1,486
  • Drivers with serious driving violations could pay around $2,636 or more
  • Policy cost with full coverage for a 16-year-old driver can cost $4,720

View Chart as Image

Mazda CX-3 insurance cost comparison chart
Column chart showing full coverage Mazda CX-3 insurance rates range from $717 to $4,720

Auto insurance rates for a Mazda CX-3 also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 137% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $410 annually, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Mazda CX-3 insurance prices. A middle-age driver might find rates as low as $940 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,740 on average in Louisiana, New York, and Michigan.

Mazda CX-3 Insurance Rates by State
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%

View Chart as Image

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

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes from multiple companies. Every auto insurance company calculates rates differently, and quoted rates will be varied between companies.

Mazda CX-3 Insurance Rates by Model Year
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 Buy the Right Mazda CX-3 Insurance

Finding cheaper rates on insurance for a Mazda CX-3 consists of being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Invest the time to compare rates every other policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below you'll find a quick rundown of the ideas that were presented in the illustrations above.

  • Youthful drivers have the highest car insurance rates, with premiums being up to $393 each month if full coverage is included
  • Drivers considered higher risk with reckless driving or DUI convictions may have to pay on average $1,420 more per year than a low-risk driver
  • Increasing comprehensive and collision deductibles could save up to $400 each year
  • You may be able to save around $140 per year simply by quoting early and online

Rates by Driver Age

Mazda CX-3 Insurance Rates by Driver Age
Driver Age Premium
16 $4,720
20 $2,808
30 $1,258
40 $1,220
50 $1,116
60 $1,094

Full coverage, $500 deductibles

Rates by Deductible

Mazda CX-3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,486
$250 $1,362
$500 $1,220
$1,000 $1,082

Full coverage, driver age 40

Rates by Liability Limit

Mazda CX-3 Insurance Rates with Different Liability Limits
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

Mazda CX-3 Insurance 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.

SR-22 Surcharge $168

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
Rate after discounts $717

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

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