Mazda 3 Insurance Rates

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

Average premium for full coverage: $998

Price estimates by individual coverage:

Rates are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and 3 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of auto insurance. Rural locations have fewer physical damage claims than densely populated cities.

The graphic below illustrates how geographic area affects auto insurance prices.

The ranges above illustrate why all drivers should get quotes using their specific location and their own personal driving habits, rather than relying on average rates.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

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

• The best discount rate is $605
• Choosing higher $1,000 deductibles can save $84 each year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $998
• Using low deductibles for comp and collision coverage will cost $1,158
• High-risk insureds who are prone to accidents and violations could pay around $2,154 or more
• The price with full coverage for a teen driver can cost $4,054 each year

View Chart as Image

Insurance prices for a Mazda 3 are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $900 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,200 to $1,700 additional each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $250 each year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

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 $660 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,350 on average in Florida, New York, and Michigan.

View Chart as Image

Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate prices, and prices may be quite different between companies.

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 Buy the Best Cheap Mazda 3 Insurance

Getting lower rates on Mazda 3 insurance takes being a low-risk driver, having good credit, not filing small claims, and qualifying for all possible discounts. Invest the time to compare rates once a year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The items below are a quick review of the data that was presented in the illustrations above.

• It is possible to save around $110 per year simply by quoting online in advance
• Drivers who purchase more liability coverage will pay an extra $520 annually to raise limits from a low limit to higher 250/500 limits
• Teen drivers are the costliest to insure, as much as $338 a month if they have full coverage
• High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,160 more per year to insure their 3