Mazda 3 Insurance Rates

The average insurance prices for a Mazda 3 are $998 every 12 months for full coverage. Comprehensive insurance costs around $152, collision costs $214, and liability insurance costs around $474. Buying just liability costs as low as $522 a year, with insurance for high-risk drivers costing $2,154 or more. Teenage drivers cost the most to insure at $4,054 a year or more.

Average premium for full coverage: $998

Policy rates for type of insurance:

Prices are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different 3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than densely populated cities.

The price range example below illustrates how location helps determine auto insurance rates.

The examples above show why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, rather than relying on average rates.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below shows estimated Mazda 3 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $605
• Using higher $1,000 deductibles will save about $84 a year
• The average price for a good driver age 40 using $500 deductibles is $998
• Using more expensive low deductibles for physical damage coverage costs an extra $160 a year
• Drivers who are prone to accidents and violations could pay at least $2,154 or more
• Policy cost to insure a teen driver with full coverage can be $4,054 or more

View Chart as Image

Insurance rates for a Mazda 3 also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.

Using high physical damage deductibles could cut rates by as much as $250 each year, while increasing your policy's liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay as much as $4,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,200 to $1,700 extra every year, depending on your age. High-risk driver insurance can be anywhere from 42% to 134% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Mazda 3 insurance rates. A driver around age 40 might see rates as low as $660 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,430 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know your exact price is to compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, so the rates will be varied.

Insurance Rates by Trim Level and Model Year

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.

How to Shop for Affordable Mazda 3 Insurance

Finding cheaper rates on Mazda 3 insurance requires having a good driving record, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest time comparing rates every other policy renewal by requesting rates from direct carriers, and also from local exclusive and independent agents.

The next list is a brief review of the ideas that were covered in the charts and tables above.

• Drivers age 20 and younger pay higher rates, costing up to $338 each month if they have full coverage
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,160 more every year to buy Mazda 3 insurance
• Increasing comprehensive and collision deductibles could save as much as $250 each year
• Drivers can save up to $110 per year simply by shopping early and online