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...

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UPDATED: Jun 6, 2023

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Average insurance rates for a Mazda CX-3 are $1,176 a year including full coverage. Comprehensive costs on average $220 a year, collision costs $338, and liability costs $460. A policy with just liability insurance costs as little as $510 a year, with coverage for high-risk drivers costing around $2,534. Teens receive the highest rates at $4,576 a year or more.

Average premium for full coverage: $1,176

Rate estimates by individual coverage type:

Comprehensive $220
Collision $338
Liability $460

Prices include $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and CX-3 trim levels.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range go from as low as $510 for your basic liability-only policy to a high of $2,534 for a driver required to buy high-risk insurance.

Liability Only $510
Full Coverage $1,176
High Risk $2,534

Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

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

Rural Areas $882
Small Cities $1,235
Large Cities $1,588

These examples highlight why it is important to compare rates based on a specific location and risk profile, instead of using 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.

More Rate Information

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

  • The cheapest rate after discounts is $698
  • Drivers who choose higher $1,000 deductibles will pay around $1,048 every year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,176
  • Selecting low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,418
  • Higher-risk drivers with serious driving violations could pay upwards of $2,534 or more
  • The cost for full coverage for a teen driver may cost $4,576 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 $698 to $4,576

Insurance rates for a Mazda CX-3 can also vary considerably based on your driver profile, the model of your CX-3, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $4,500 a year. View Rates by Age

Where you live makes a big difference in Mazda CX-3 insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,680 on average in Michigan, New York, and Louisiana.

Mazda CX-3 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,064 -$112 -9.5%
Alaska $900 -$276 -23.5%
Arizona $976 -$200 -17.0%
Arkansas $1,176 -$0 0.0%
California $1,338 $162 13.8%
Colorado $1,124 -$52 -4.4%
Connecticut $1,208 $32 2.7%
Delaware $1,330 $154 13.1%
Florida $1,470 $294 25.0%
Georgia $1,084 -$92 -7.8%
Hawaii $844 -$332 -28.2%
Idaho $794 -$382 -32.5%
Illinois $876 -$300 -25.5%
Indiana $884 -$292 -24.8%
Iowa $792 -$384 -32.7%
Kansas $1,116 -$60 -5.1%
Kentucky $1,604 $428 36.4%
Louisiana $1,740 $564 48.0%
Maine $726 -$450 -38.3%
Maryland $970 -$206 -17.5%
Massachusetts $942 -$234 -19.9%
Michigan $2,042 $866 73.6%
Minnesota $984 -$192 -16.3%
Mississippi $1,408 $232 19.7%
Missouri $1,042 -$134 -11.4%
Montana $1,262 $86 7.3%
Nebraska $928 -$248 -21.1%
Nevada $1,410 $234 19.9%
New Hampshire $848 -$328 -27.9%
New Jersey $1,316 $140 11.9%
New Mexico $1,040 -$136 -11.6%
New York $1,240 $64 5.4%
North Carolina $676 -$500 -42.5%
North Dakota $962 -$214 -18.2%
Ohio $812 -$364 -31.0%
Oklahoma $1,208 $32 2.7%
Oregon $1,078 -$98 -8.3%
Pennsylvania $1,122 -$54 -4.6%
Rhode Island $1,568 $392 33.3%
South Carolina $1,064 -$112 -9.5%
South Dakota $992 -$184 -15.6%
Tennessee $1,030 -$146 -12.4%
Texas $1,416 $240 20.4%
Utah $870 -$306 -26.0%
Vermont $804 -$372 -31.6%
Virginia $704 -$472 -40.1%
Washington $910 -$266 -22.6%
West Virginia $1,078 -$98 -8.3%
Wisconsin $814 -$362 -30.8%
Wyoming $1,048 -$128 -10.9%

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could save up to $370 every year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,400 to $2,000 additional per year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 133% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes and see which company has the best rate. Every company calculates rates differently, and rates can be significantly different from one company to the next.

Mazda CX-3 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
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

Saving money on car insurance not only requires being a good driver, but also having a good credit history, not filing small claims, and insuring your home and auto with the same company. Make time to compare rates at every policy renewal by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following list is a quick rundown of the data touched on in this article.

  • Policyholders who require an increased level of liability coverage will pay approximately $510 per year to go from a minimum limit to 250/500 limits
  • You may be able to save as much as $140 per year simply by quoting early and online
  • Increasing deductibles can save around $375 each year
  • Drivers age 16 to 20 pay higher rates, as much as $381 per month including comprehensive and collision insurance

Rates by Driver Age

Mazda CX-3 Insurance Rates by Driver Age
Driver Age Premium
16 $4,576
20 $2,696
30 $1,208
40 $1,176
50 $1,076
60 $1,054

Full coverage, $500 deductibles

Rates by Deductible

Mazda CX-3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,418
$250 $1,306
$500 $1,176
$1,000 $1,048

Full coverage, driver age 40

Rates by Liability Limit

Mazda CX-3 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,176
50/100 $1,268
100/300 $1,383
250/500 $1,682
100 CSL $1,314
300 CSL $1,567
500 CSL $1,751

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda CX-3 Insurance Rates for High Risk Drivers
Age Premium
16 $6,480
20 $4,294
30 $2,572
40 $2,534
50 $2,422
60 $2,400

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 $160

Potential Rate Discounts

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

Discount Savings
Multi-policy $61
Multi-vehicle $63
Homeowner $19
5-yr Accident Free $78
5-yr Claim Free $75
Paid in Full/EFT $47
Advance Quote $54
Online Quote $81
Total Discounts $478
Rate after discounts $698

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

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