Mazda CX-3 Insurance Rates
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UPDATED: Apr 2, 2024
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Average insurance prices for a Mazda CX-3 are $1,248 every 12 months with full coverage. Comprehensive insurance costs around $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 $2,698 or more. Teen drivers receive the highest rates at $4,804 a year or more.
Average premium for full coverage: $1,248
Rate estimates for individual coverage type:
Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and CX-3 trim levels.
Price Range by Coverage and Risk
For the average driver, prices range go from the cheapest price of $504 for the bare minimum liability coverage to a high of $2,698 for a driver required to buy high-risk insurance.
Price Range by Location
Your location can make a big difference on insurance rates. Areas with sparse population tend to have more infrequent collision claims than larger metro areas.
The diagram below illustrates how location impacts auto insurance rates.
These examples demonstrate why it is important to compare rates for a specific zip code and their own driving history, instead of making a decision based on 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.
Additional Rate Information
The chart below details estimated Mazda CX-3 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $731
- Drivers who choose higher $1,000 deductibles will pay about $1,104 annually
- The average price for a 40-year-old driver using $500 deductibles is $1,248
- Choosing low $100 deductibles for comprehensive and collision insurance costs an extra $280 annually
- Drivers with multiple violations and an at-fault accident could pay at least $2,698 or more
- The cost to insure a 16-year-old driver can be $4,804 a year
Insurance rates for a Mazda CX-3 can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.
Choosing high deductibles could save up to $430 annually, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $407 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as low as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay as much as $4,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can cost from 44% to 134% more than average. View High Risk Driver Rates
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 New Hampshire, Ohio, and Utah, or as much as $1,690 on average in Florida, Michigan, and New York.
| 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% |
With so much variability in rates, the best way to find out your exact price is to get quotes from multiple companies. Every company uses a different rate calculation, so the rates can be significantly different.
| 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 Shop for the Best Mazda CX-3 Insurance
Saving money on insurance for a Mazda CX-3 not only requires avoiding accidents and claims, but also having good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Spend time shopping around at every policy renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The points below are a brief recap of the data touched on above.
- Insureds who may need increased liability limits will pay about $500 every year to go from a minimum limit to a 250/500 level
- You may be able to save up to $150 per year simply by quoting early and online
- Increasing deductibles could save as much as $425 each year
- Drivers under the age of 20 pay higher rates, with premiums as much as $400 per month if they have full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,528 |
| $250 | $1,400 |
| $500 | $1,248 |
| $1,000 | $1,104 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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