Mazda 3 Insurance Rates

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UPDATED: Apr 19, 2024

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The average auto insurance rates for a Mazda 3 are $998 annually for full coverage. Comprehensive insurance costs on average $152 each year, collision insurance costs $214, and liability costs $474. Liability-only insurance costs as little as $522 a year, and high-risk driver insurance costs $2,154 or more. 16-year-old drivers cost the most to insure at up to $4,054 a year.

Average premium for full coverage: $998

Policy rates by type of insurance:

Comprehensive $152
Collision $214
Liability $474

Price estimates include $500 deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and 3 models.

Price Range Variability

For the average driver, Mazda 3 insurance rates range from as cheap as $522 for minimum levels of liability insurance to a high rate of $2,154 for a high-risk driver policy.

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

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural areas are shown to have fewer accident claims than congested cities. The graphic below illustrates how location impacts car insurance rates.

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

The examples above show why all drivers should compare rates based on a specific location and their own personal driving habits, instead of making a decision based on rate 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 shows average Mazda 3 insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $605
  • Drivers who choose higher $1,000 deductibles will pay around $84 a year
  • The estimated rate for a good driver age 40 with $500 deductibles is $998
  • Buying low deductibles for comprehensive and collision insurance costs an additional $160 annually
  • Drivers with multiple tickets or accidents could pay upwards of $2,154
  • Policy cost with full coverage for a 16-year-old driver may cost $4,054 a year

View Chart as Image

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

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

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay upwards of $4,000 a year. View Rates by Age

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

Opting for high physical damage deductibles could save up to $250 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

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 at least $1,430 on average in Michigan, Louisiana, and New York.

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

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 Buy Cheaper Mazda 3 Insurance

Finding cheaper rates on insurance for a Mazda 3 not only requires not taking risks behind the wheel, but also having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Spend time shopping around every time your policy renews by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following is a condensed summary of the information touched on above.

  • Drivers can save as much as $110 per year just by quoting online in advance
  • Teens are charged the highest rates, costing up to $338 each month if full coverage is included
  • Increasing comprehensive and collision deductibles could save up to $250 each year
  • Drivers considered higher risk with multiple at-fault accidents may be required to pay an average of $1,160 more each year for 3 insurance
  • Insureds who require higher liability limits will pay around $520 each year to go from a 30/60 limit to higher 250/500 limits

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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