Mazda 3 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 19, 2024
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Estimated insurance rates for a Mazda 3 are $1,030 a year with full coverage. Comprehensive costs around $162, collision insurance costs $236, and liability costs around $474. Liability-only insurance costs as low as $522 a year, and high-risk driver insurance costs around $2,224. Teen drivers pay the most at up to $4,152 a year.
Average premium for full coverage: $1,030
Premium estimates for type of coverage:
Rate estimates include $500 deductible amounts, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and for different 3 trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Mazda 3 range from as low as $522 for minimum levels of liability insurance to a much higher rate of $2,224 for high-risk insurance.
Insurance Price Range by Location
Where you live can have significant affects on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than larger metro areas. The price range example below illustrates how rural and urban location affects auto insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of 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.
Additional Rate Details
The chart below details average Mazda 3 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $621
- Using higher $1,000 deductibles will save about $90 annually
- The average rate for a 40-year-old good driver using $500 deductibles is $1,030
- Choosing more expensive low deductibles for physical damage coverage will increase the cost to $1,202
- Drivers with multiple violations and an at-fault accident could pay at least $2,224
- An auto insurance policy for full coverage for a teen driver with full coverage can be $4,152 or more
Insurance prices for a Mazda 3 also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.
An older driver with no violations or accidents and high deductibles may pay as little as $1,000 a year, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay as much as $4,100 a year. View Rates by Age
Where you choose to live has a huge impact on Mazda 3 insurance prices. A driver around age 40 might see prices as low as $740 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,390 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $930 | -$100 | -9.7% |
| Alaska | $788 | -$242 | -23.5% |
| Arizona | $854 | -$176 | -17.1% |
| Arkansas | $1,030 | -$0 | 0.0% |
| California | $1,174 | $144 | 14.0% |
| Colorado | $982 | -$48 | -4.7% |
| Connecticut | $1,058 | $28 | 2.7% |
| Delaware | $1,166 | $136 | 13.2% |
| Florida | $1,288 | $258 | 25.0% |
| Georgia | $950 | -$80 | -7.8% |
| Hawaii | $740 | -$290 | -28.2% |
| Idaho | $696 | -$334 | -32.4% |
| Illinois | $766 | -$264 | -25.6% |
| Indiana | $774 | -$256 | -24.9% |
| Iowa | $696 | -$334 | -32.4% |
| Kansas | $980 | -$50 | -4.9% |
| Kentucky | $1,406 | $376 | 36.5% |
| Louisiana | $1,522 | $492 | 47.8% |
| Maine | $636 | -$394 | -38.3% |
| Maryland | $848 | -$182 | -17.7% |
| Massachusetts | $824 | -$206 | -20.0% |
| Michigan | $1,790 | $760 | 73.8% |
| Minnesota | $862 | -$168 | -16.3% |
| Mississippi | $1,232 | $202 | 19.6% |
| Missouri | $914 | -$116 | -11.3% |
| Montana | $1,106 | $76 | 7.4% |
| Nebraska | $812 | -$218 | -21.2% |
| Nevada | $1,234 | $204 | 19.8% |
| New Hampshire | $740 | -$290 | -28.2% |
| New Jersey | $1,152 | $122 | 11.8% |
| New Mexico | $912 | -$118 | -11.5% |
| New York | $1,084 | $54 | 5.2% |
| North Carolina | $594 | -$436 | -42.3% |
| North Dakota | $842 | -$188 | -18.3% |
| Ohio | $710 | -$320 | -31.1% |
| Oklahoma | $1,058 | $28 | 2.7% |
| Oregon | $942 | -$88 | -8.5% |
| Pennsylvania | $982 | -$48 | -4.7% |
| Rhode Island | $1,372 | $342 | 33.2% |
| South Carolina | $932 | -$98 | -9.5% |
| South Dakota | $868 | -$162 | -15.7% |
| Tennessee | $902 | -$128 | -12.4% |
| Texas | $1,242 | $212 | 20.6% |
| Utah | $762 | -$268 | -26.0% |
| Vermont | $706 | -$324 | -31.5% |
| Virginia | $618 | -$412 | -40.0% |
| Washington | $798 | -$232 | -22.5% |
| West Virginia | $942 | -$88 | -8.5% |
| Wisconsin | $714 | -$316 | -30.7% |
| Wyoming | $918 | -$112 | -10.9% |
Choosing high deductibles could cut prices by as much as $270 every year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out at least $1,200 to $1,800 additional annually, depending on your age. High-risk driver insurance can be as much as 43% to 130% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda 3 I Sport 4-Dr Sedan | $990 | $83 |
| Mazda 3 I SV 4-Dr Sedan | $990 | $83 |
| Mazda 3 I Touring 4-Dr Sedan | $1,030 | $86 |
| Mazda 3 S Sport 4-Dr Hatchback | $1,050 | $88 |
| Mazda 3 S Sport 4-Dr Sedan | $1,050 | $88 |
| Mazda 3 S Grand Touring 4-Dr Hatchback | $1,070 | $89 |
| Mazda 3 S Grand Touring 4-Dr Sedan | $1,070 | $89 |
Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Mazda 3 | $294 | $542 | $390 | $1,384 |
| 2023 Mazda 3 | $282 | $536 | $398 | $1,374 |
| 2022 Mazda 3 | $272 | $524 | $416 | $1,370 |
| 2021 Mazda 3 | $262 | $502 | $430 | $1,352 |
| 2020 Mazda 3 | $248 | $484 | $442 | $1,332 |
| 2019 Mazda 3 | $238 | $450 | $452 | $1,298 |
| 2018 Mazda 3 | $230 | $424 | $456 | $1,268 |
| 2017 Mazda 3 | $220 | $380 | $460 | $1,218 |
| 2016 Mazda 3 | $206 | $350 | $460 | $1,174 |
| 2015 Mazda 3 | $198 | $328 | $464 | $1,148 |
| 2014 Mazda 3 | $194 | $306 | $474 | $1,132 |
| 2012 Mazda 3 | $174 | $258 | $478 | $1,068 |
| 2011 Mazda 3 | $162 | $236 | $474 | $1,030 |
| 2010 Mazda 3 | $152 | $214 | $474 | $998 |
Rates are averaged for all Mazda 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 Best Mazda 3 Insurance
Finding better rates on car insurance requires having a good driving record, having a good credit history, being claim-free, and deciding if full coverage is necessary. Set aside time to shop around every couple of years by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The next list is a brief recap of the material that was raised in the charts and tables above.
- Policyholders who may need increased levels of liability coverage will pay about $520 every year to increase from 30/60 bodily injury limits to 250/500 limits
- Drivers age 20 and younger are charged the highest prices, possibly costing $346 per month including comprehensive and collision insurance
- Higher risk drivers who tend to receive serious violations pay an average of $1,190 more every year to buy Mazda 3 insurance
- Increasing policy deductibles can save around $250 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,152 |
| 20 | $2,364 |
| 30 | $1,048 |
| 40 | $1,030 |
| 50 | $946 |
| 60 | $926 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,202 |
| $250 | $1,124 |
| $500 | $1,030 |
| $1,000 | $940 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,030 |
| 50/100 | $1,165 |
| 100/300 | $1,283 |
| 250/500 | $1,591 |
| 100 CSL | $1,212 |
| 300 CSL | $1,473 |
| 500 CSL | $1,663 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,854 |
| 20 | $3,774 |
| 30 | $2,240 |
| 40 | $2,224 |
| 50 | $2,126 |
| 60 | $2,104 |
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 | $52 |
| Multi-vehicle | $56 |
| Homeowner | $18 |
| 5-yr Accident Free | $64 |
| 5-yr Claim Free | $65 |
| Paid in Full/EFT | $38 |
| Advance Quote | $46 |
| Online Quote | $70 |
| Total Discounts | $409 |
Discounts are estimated and may not be available from every company or in every state.
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