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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The average insurance rates for a Mazda 3 are $998 a year for full coverage. Comprehensive costs around $152 a year, collision insurance costs $214, and liability costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs around $2,154. Teen drivers cost the most to insure at up to $4,054 a year.
Average premium for full coverage: $998
Policy rates for type of insurance:
Prices include $500 physical damage deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and 3 trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Mazda 3 insurance rates range from as low as $522 for the bare minimum liability coverage to a high of $2,154 for high-risk insurance.
Urban vs. Rural Price Range
Your location can have significant affects on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than larger metro areas. The diagram below illustrates how rural and urban location affects auto insurance rates.
The examples above show why it is important to compare rates 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 Information
The chart below shows average Mazda 3 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $605
- Drivers who choose higher $1,000 deductibles will pay about $914 a year
- The average rate for a good driver age 40 using $500 deductibles is $998
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,158
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,154
- Policy cost for full coverage for a teen driver can be $4,054 a year
Insurance rates for a Mazda 3 also range considerably based on your risk profile, the trim level of your 3, and deductibles and policy limits.
Older drivers with a clean driving record and high deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $4,000 a year. View Rates by Age
Your home state makes a big difference in Mazda 3 insurance prices. A 40-year-old driver could pay as low as $660 a year in states like Idaho, Maine, and Iowa, or as much as $1,430 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing high deductibles could save up to $250 every year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,200 to $1,700 extra every year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 134% 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 | $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.
| 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 Right Mazda 3 Insurance
Finding cheaper rates on car insurance not only requires being a safe and courteous driver, but also maintaining good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to shop around every couple of years by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
Below is a quick rundown of the material that was raised in the charts and tables above.
- Policyholders who may need higher levels of liability will pay about $520 each year to go from a 30/60 limit to 250/500 limits
- Teenage drivers pay higher rates, costing up to $338 each month for full coverage
- Higher risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,160 more every year for auto insurance
- Increasing comprehensive and collision deductibles can save around $250 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,158 |
| $250 | $1,086 |
| $500 | $998 |
| $1,000 | $914 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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