Mazda 3 Insurance Rates

Estimated insurance rates for a Mazda 3 are $998 a year with full coverage. Comprehensive insurance costs approximately $152 a year, collision costs $214, and liability costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing $2,154 or more. Teens pay the most at $4,054 a year or more.

Average premium for full coverage: $998

Premium estimates by type of coverage:

Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and 3 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than cities with more traffic congestion.

The diagram below illustrates how location impacts auto insurance prices.

These rate differences demonstrate why it is important to compare prices using their specific location, instead of using averaged prices.

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

Additional Rate Information

The chart below details estimated Mazda 3 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $605
• Using higher $1,000 deductibles will save $914 annually
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $998
• Selecting low $100 deductibles for physical damage coverage will cost an additional $160 every year
• Drivers with serious driving violations could pay around $2,154 or more
• An auto insurance policy that insures a teen driver can cost $4,054 or more

View Chart as Image

Insurance prices for a Mazda 3 also have a wide range based on the trim level of your 3, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,200 to $1,700 extra annually, depending on your age. A high-risk auto insurance policy can be as much as 42% to 134% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $4,000 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 $720 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,350 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $250 every year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to get quotes and see which company has the best price. Each insurance company calculates prices differently, so the prices will be substantially different.

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 Find Cheaper Mazda 3 Insurance

Finding better rates on car insurance requires avoiding accidents and violations, having above-average credit, being claim-free, and maximizing policy discounts. Compare rates at least every other year by requesting rates from direct companies, and also from local insurance agencies.

The list below is a condensed summary of the car insurance concepts touched on above.

• Higher risk drivers with multiple at-fault accidents may have to pay on average $1,160 more per year for car insurance
• You may be able to save around $110 per year simply by quoting early and online
• Increasing policy deductibles can save approximately $250 each year
• Policyholders who purchase higher liability limits will pay approximately $520 every year to increase from 30/60 bodily injury limits to the 250/500 level