Mazda 3 Insurance Rates

U.S. average insurance prices for a Mazda 3 are $998 every 12 months with full coverage. Comprehensive insurance costs around $152 a year, collision costs $214, and liability insurance is estimated at $474. A policy with just liability insurance costs approximately $522 a year, with coverage for high-risk drivers costing $2,154 or more. Teenage drivers pay the highest rates at $4,054 a year or more.

Average premium for full coverage: $998

Price estimates for individual coverage:

These estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and 3 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on insurance rates. Areas with sparse population have more infrequent collision claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance rates.

The ranges above demonstrate why it is important to get quotes 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.

More Rate Information

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

• The best discount rate is $605
• Choosing higher $1,000 deductibles can save about $914 annually
• The average price for the average middle-age driver using $500 deductibles is $998
• Using low $100 deductibles for comp and collision coverage costs an extra $160 a year
• High-risk insureds who are prone to accidents and violations could pay at least $2,154 or more
• The price to insure a teen driver can be $4,054 each year

View Chart as Image

Insurance prices for a Mazda 3 are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.

Using high physical damage deductibles can save as much as $250 each year, while buying higher liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $900 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay as much as $4,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,200 to $1,700 extra each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 134% more than a normal policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Mazda 3 insurance rates. A good driver about age 40 could pay as low as $720 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,350 on average in Florida, Michigan, and New York.

View Chart as Image

Since prices can be so different, the best way to find out your exact price is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate prices, so the prices may be quite 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 Shop for Cheap Mazda 3 Insurance

Getting lower rates on Mazda 3 insurance takes being safe and accident-free, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Spend time shopping around once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a brief summary of the data that was touched on above.

• You may be able to save up to $110 per year simply by quoting early and online
• Drivers who may need more liability protection will pay an extra $520 every year to raise limits from a low limit to a 250/500 level
• Youthful drivers pay higher prices, costing up to $338 a month if they have full coverage
• High-risk drivers that tend to have accidents or serious violations pay on average $1,160 more every year than a low-risk driver