Mazda 3 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Apr 19, 2024
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U.S. average auto insurance rates for a Mazda 3 are $998 annually with full coverage. Comprehensive costs on average $152 each year, collision insurance costs $214, and liability coverage costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs around $2,154. Teen drivers pay the highest rates at up to $4,054 a year.
Average premium for full coverage: $998
Price estimates by individual coverage:
Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and 3 models.
Price Range from Low to High
For a driver around age 40, Mazda 3 insurance prices range from as cheap as $522 for the bare minimum liability coverage to a high rate of $2,154 for coverage for higher-risk drivers.
Geographic Price Range
Your location has a large influence on auto insurance rates. Rural areas have fewer collision claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on car insurance rates.
The ranges above demonstrate why all drivers should compare rates based on a specific location and their own personal driving habits, rather than 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 details average Mazda 3 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $605
- Drivers who choose higher $1,000 deductibles will pay around $84 annually
- The estimated rate for the average middle-age driver with $500 deductibles is $998
- Choosing low deductibles for comprehensive and collision insurance will cost $1,158
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,154
- The price with full coverage for a teenage driver may cost $4,054 a year
Auto insurance prices for a Mazda 3 are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.
More mature drivers with a good driving record and high physical damage deductibles may only pay around $900 per year on average for full coverage. Prices are highest for teenage drivers, 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 some driving violations or you caused a few accidents, you may be forking out at a minimum $1,200 to $1,700 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost around 42% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $250 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Mazda 3 insurance rates. A 40-year-old driver could pay as low as $720 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,350 on average in Florida, Michigan, 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% |
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 Buy the Right Mazda 3 Insurance
Getting lower rates on auto insurance not only requires having a decent driving record, but also having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates at least once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The following items are a quick rundown of the primary concepts that were covered above.
- You may be able to save as much as $110 per year just by quoting online in advance
- Drivers with reckless driving or DUI convictions pay an average of $1,160 more each year than a driver with a clean driving record
- Increasing physical damage deductibles could save up to $250 each year
- 16 to 18-year-old drivers are charged the highest prices, costing up to $338 a month if full coverage is included
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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