Mazda 3 Insurance Rates

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2010 Mazda Mazda3 Car Insurance Quotes in 2025

Trying to find the cheapest auto insurance rates? Buyers have many options when searching for the lowest priced Mazda Mazda3 insurance. They can either spend hours calling around to compare prices or utilize the internet to make rate comparisons. There is a right way and a wrong way to buy auto insurance so we're going to tell you the proper way to price shop coverage for a new or used Mazda and o...

Dani Best

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Apr 19, 2024

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Average auto insurance rates for a Mazda 3 are $1,030 annually for full coverage insurance. Comprehensive insurance costs approximately $162, collision insurance costs $236, and liability costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs $2,224 or more. Teen drivers receive the highest rates at up to $4,152 a year.

Average premium for full coverage: $1,030

Rate estimates by individual coverage type:

Comprehensive $162
Collision $236
Liability $474

Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for all 3 models.

Price Range by Coverage and Risk

For an average driver, prices range range from as cheap as $522 for just liability coverage to the much higher price of $2,224 for coverage for higher-risk drivers.

Liability Only $522
Full Coverage $1,030
High Risk $2,224

Price Range by Location

Your location can have significant affects on the price of auto insurance. Rural locations tend to have fewer physical damage claims than larger metro areas. The example below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $773
Small Cities $1,082
Large Cities $1,391

These examples illustrate why everyone should compare rates using their specific location and their own personal driving habits, 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.

Detailed Rate Analysis

The chart below illustrates average Mazda 3 insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $621
  • Drivers who choose higher $1,000 deductibles will pay $90 each year
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,030
  • Choosing pricier low deductibles for comprehensive and collision insurance costs an additional $172 every year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,224
  • The cost with full coverage for a teen driver for full coverage can cost $4,152 a year

View Chart as Image

Mazda 3 insurance cost comparison chart
Column chart showing Mazda 3 insurance prices range from $621 to $4,152 for full coverage

Auto insurance rates for a Mazda 3 can also vary considerably based on the trim level of your 3, your risk profile, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,000 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,200 to $1,800 in extra premium per year, depending on your age. Mazda 3 insurance for high-risk drivers can cost as much as 43% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $270 every year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Mazda 3 insurance prices. A 40-year-old driver could pay as low as $680 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,390 on average in Florida, New York, and Michigan.

Mazda 3 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $930 -$100 -9.7%
Alaska $788 -$242 -23.5%
Arizona $854 -$176 -17.1%
Arkansas $1,030 -$0 0.0%
California $1,174 $144 14.0%
Colorado $982 -$48 -4.7%
Connecticut $1,058 $28 2.7%
Delaware $1,166 $136 13.2%
Florida $1,288 $258 25.0%
Georgia $950 -$80 -7.8%
Hawaii $740 -$290 -28.2%
Idaho $696 -$334 -32.4%
Illinois $766 -$264 -25.6%
Indiana $774 -$256 -24.9%
Iowa $696 -$334 -32.4%
Kansas $980 -$50 -4.9%
Kentucky $1,406 $376 36.5%
Louisiana $1,522 $492 47.8%
Maine $636 -$394 -38.3%
Maryland $848 -$182 -17.7%
Massachusetts $824 -$206 -20.0%
Michigan $1,790 $760 73.8%
Minnesota $862 -$168 -16.3%
Mississippi $1,232 $202 19.6%
Missouri $914 -$116 -11.3%
Montana $1,106 $76 7.4%
Nebraska $812 -$218 -21.2%
Nevada $1,234 $204 19.8%
New Hampshire $740 -$290 -28.2%
New Jersey $1,152 $122 11.8%
New Mexico $912 -$118 -11.5%
New York $1,084 $54 5.2%
North Carolina $594 -$436 -42.3%
North Dakota $842 -$188 -18.3%
Ohio $710 -$320 -31.1%
Oklahoma $1,058 $28 2.7%
Oregon $942 -$88 -8.5%
Pennsylvania $982 -$48 -4.7%
Rhode Island $1,372 $342 33.2%
South Carolina $932 -$98 -9.5%
South Dakota $868 -$162 -15.7%
Tennessee $902 -$128 -12.4%
Texas $1,242 $212 20.6%
Utah $762 -$268 -26.0%
Vermont $706 -$324 -31.5%
Virginia $618 -$412 -40.0%
Washington $798 -$232 -22.5%
West Virginia $942 -$88 -8.5%
Wisconsin $714 -$316 -30.7%
Wyoming $918 -$112 -10.9%

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 $990 $83
Mazda 3 I SV 4-Dr Sedan $990 $83
Mazda 3 I Touring 4-Dr Sedan $1,030 $86
Mazda 3 S Sport 4-Dr Hatchback $1,050 $88
Mazda 3 S Sport 4-Dr Sedan $1,050 $88
Mazda 3 S Grand Touring 4-Dr Hatchback $1,070 $89
Mazda 3 S Grand Touring 4-Dr Sedan $1,070 $89

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 $294 $542 $390 $1,384
2023 Mazda 3 $282 $536 $398 $1,374
2022 Mazda 3 $272 $524 $416 $1,370
2021 Mazda 3 $262 $502 $430 $1,352
2020 Mazda 3 $248 $484 $442 $1,332
2019 Mazda 3 $238 $450 $452 $1,298
2018 Mazda 3 $230 $424 $456 $1,268
2017 Mazda 3 $220 $380 $460 $1,218
2016 Mazda 3 $206 $350 $460 $1,174
2015 Mazda 3 $198 $328 $464 $1,148
2014 Mazda 3 $194 $306 $474 $1,132
2012 Mazda 3 $174 $258 $478 $1,068
2011 Mazda 3 $162 $236 $474 $1,030
2010 Mazda 3 $152 $214 $474 $998

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

Saving money on car insurance not only requires avoiding accidents and violations, but also having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Take the time to compare rates at least once a year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The list below is a quick rundown of the primary concepts that were covered in the above illustrations.

  • It is possible to save around $120 per year just by quoting online well ahead of the renewal date
  • Higher risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,190 more per year for car insurance
  • Increasing deductibles could save up to $250 each year
  • Teenagers have the highest car insurance rates, costing up to $346 per month if full coverage is included

Rates by Driver Age

Mazda 3 Insurance Rates by Driver Age
Driver Age Premium
16 $4,152
20 $2,364
30 $1,048
40 $1,030
50 $946
60 $926

Full coverage, $500 deductibles

Rates by Deductible

Mazda 3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,202
$250 $1,124
$500 $1,030
$1,000 $940

Full coverage, driver age 40

Rates by Liability Limit

Mazda 3 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,030
50/100 $1,165
100/300 $1,283
250/500 $1,591
100 CSL $1,212
300 CSL $1,473
500 CSL $1,663

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda 3 Insurance Rates for High Risk Drivers
Age Premium
16 $5,854
20 $3,774
30 $2,240
40 $2,224
50 $2,126
60 $2,104

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 $140

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $52
Multi-vehicle $56
Homeowner $18
5-yr Accident Free $64
5-yr Claim Free $65
Paid in Full/EFT $38
Advance Quote $46
Online Quote $70
Total Discounts $409
Rate after discounts $621

Discounts are estimated and may not be available from every company or in every state.

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