Mazda 3 Insurance Rates

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UPDATED: Apr 19, 2024

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The average insurance rates for a Mazda 3 are $998 a year for full coverage insurance. Comprehensive costs on average $152 each year, collision costs $214, and liability costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance costing around $2,154. Teens cost the most to insure at $4,054 a year or more.

Average premium for full coverage: $998

Policy rates by type of insurance:

Comprehensive $152
Collision $214
Liability $474

Rate estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and 3 models.

Price Range Variability

For the normal driver, Mazda 3 insurance rates go from the low end price of $522 for minimum levels of liability insurance to a high rate of $2,154 for a driver who requires high-risk insurance.

Liability Only $522
Full Coverage $998
High Risk $2,154

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than cities with more traffic congestion.

The graphic below illustrates how geographic area affects car insurance rates.

Rural Areas $749
Small Cities $1,048
Large Cities $1,347

The examples above illustrate why all drivers should compare prices based on a specific location, 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.

Additional Rate Details

The chart below illustrates estimated Mazda 3 insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $605
  • Using higher $1,000 deductibles will save around $84 each year
  • The estimated price for a good driver age 40 with $500 deductibles is $998
  • Selecting low deductibles for physical damage coverage bumps up the cost to $1,158
  • Drivers with serious driving violations could pay upwards of $2,154 or more
  • Policy cost that insures a teen driver may cost $4,054 or more

View Chart as Image

Mazda 3 insurance cost comparison chart
Column chart showing full coverage Mazda 3 insurance rates range from $605 to $4,054

Auto insurance rates for a Mazda 3 also range considerably based on the trim level and model year, your age and driving record, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,200 to $1,700 in extra premium every year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 134% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay upwards of $4,000 a year. View Rates by Age

Your home state has a huge impact on Mazda 3 insurance prices. A driver around age 40 might see rates as low as $660 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,350 on average in Michigan, New York, and Florida.

Mazda 3 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $904 -$94 -9.4%
Alaska $766 -$232 -23.2%
Arizona $828 -$170 -17.0%
Arkansas $998 -$0 0.0%
California $1,138 $140 14.0%
Colorado $954 -$44 -4.4%
Connecticut $1,026 $28 2.8%
Delaware $1,130 $132 13.2%
Florida $1,250 $252 25.3%
Georgia $922 -$76 -7.6%
Hawaii $718 -$280 -28.1%
Idaho $674 -$324 -32.5%
Illinois $744 -$254 -25.5%
Indiana $752 -$246 -24.6%
Iowa $674 -$324 -32.5%
Kansas $952 -$46 -4.6%
Kentucky $1,362 $364 36.5%
Louisiana $1,476 $478 47.9%
Maine $616 -$382 -38.3%
Maryland $822 -$176 -17.6%
Massachusetts $798 -$200 -20.0%
Michigan $1,736 $738 73.9%
Minnesota $834 -$164 -16.4%
Mississippi $1,194 $196 19.6%
Missouri $886 -$112 -11.2%
Montana $1,072 $74 7.4%
Nebraska $786 -$212 -21.2%
Nevada $1,198 $200 20.0%
New Hampshire $718 -$280 -28.1%
New Jersey $1,114 $116 11.6%
New Mexico $886 -$112 -11.2%
New York $1,052 $54 5.4%
North Carolina $576 -$422 -42.3%
North Dakota $818 -$180 -18.0%
Ohio $690 -$308 -30.9%
Oklahoma $1,026 $28 2.8%
Oregon $914 -$84 -8.4%
Pennsylvania $954 -$44 -4.4%
Rhode Island $1,332 $334 33.5%
South Carolina $904 -$94 -9.4%
South Dakota $842 -$156 -15.6%
Tennessee $876 -$122 -12.2%
Texas $1,204 $206 20.6%
Utah $740 -$258 -25.9%
Vermont $684 -$314 -31.5%
Virginia $598 -$400 -40.1%
Washington $774 -$224 -22.4%
West Virginia $914 -$84 -8.4%
Wisconsin $692 -$306 -30.7%
Wyoming $890 -$108 -10.8%

View Chart as Image

Mazda 3 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $250 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison and see which company has the best rate. Each insurance company calculates rates differently, and quoted rates will be varied.

Insurance Rates by Trim Level and Model Year

Mazda 3 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Mazda 3 I Sport 4-Dr Sedan $962 $80
Mazda 3 I SV 4-Dr Sedan $962 $80
Mazda 3 I Touring 4-Dr Sedan $998 $83
Mazda 3 S Sport 4-Dr Hatchback $1,018 $85
Mazda 3 S Sport 4-Dr Sedan $1,018 $85
Mazda 3 S Grand Touring 4-Dr Hatchback $1,036 $86
Mazda 3 S Grand Touring 4-Dr Sedan $1,036 $86

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.

Mazda 3 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Mazda 3 $282 $536 $398 $1,374
2023 Mazda 3 $272 $524 $416 $1,370
2022 Mazda 3 $262 $502 $430 $1,352
2021 Mazda 3 $248 $484 $442 $1,332
2020 Mazda 3 $238 $450 $452 $1,298
2019 Mazda 3 $230 $424 $456 $1,268
2018 Mazda 3 $220 $380 $460 $1,218
2017 Mazda 3 $206 $350 $460 $1,174
2016 Mazda 3 $198 $328 $464 $1,148
2015 Mazda 3 $194 $306 $474 $1,132
2014 Mazda 3 $180 $284 $474 $1,096
2012 Mazda 3 $162 $236 $474 $1,030
2011 Mazda 3 $152 $214 $474 $998
2010 Mazda 3 $148 $192 $468 $966

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 cheaper rates on car insurance requires being a safe and courteous driver, maintaining a good credit score, being claim-free, and taking advantage of discounts. Compare rates at every other renewal by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

Below is a brief recap of the concepts that were presented in the illustrations above.

  • Higher risk drivers who tend to receive serious violations may pay on average $1,160 more each year for auto insurance
  • Teenage drivers are charged the highest rates, possibly costing $338 each month if the policy includes full coverage
  • It is possible to save as much as $110 per year simply by quoting online in advance
  • Increasing comprehensive and collision deductibles can save approximately $250 each year
  • It is possible to save as much as $110 per year simply by quoting online in advance

Rates by Driver Age

Mazda 3 Insurance Rates by Driver Age
Driver Age Premium
16 $4,054
20 $2,292
30 $1,014
40 $998
50 $916
60 $898

Full coverage, $500 deductibles

Rates by Deductible

Mazda 3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,158
$250 $1,086
$500 $998
$1,000 $914

Full coverage, driver age 40

Rates by Liability Limit

Mazda 3 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $998
50/100 $1,131
100/300 $1,249
250/500 $1,557
100 CSL $1,178
300 CSL $1,439
500 CSL $1,629

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda 3 Insurance Rates for High Risk Drivers
Age Premium
16 $5,706
20 $3,656
30 $2,168
40 $2,154
50 $2,060
60 $2,038

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 $135

Potential Rate Discounts

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

Discount Savings
Multi-policy $50
Multi-vehicle $54
Homeowner $18
5-yr Accident Free $61
5-yr Claim Free $63
Paid in Full/EFT $36
Advance Quote $44
Online Quote $67
Total Discounts $393
Rate after discounts $605

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

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