Mazda 3 Insurance Rates

Estimated insurance rates for a Mazda 3 are $998 a year for full coverage insurance. Comprehensive insurance costs around $152 each year, collision costs $214, and liability insurance costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance costing $2,154 or more. Teenage drivers pay the most at $4,054 a year or more.

Average premium for full coverage: $998

Premium estimates for type of coverage:

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

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates how rural and urban location affects auto insurance rates.

These rate differences illustrate why all drivers should compare prices for a specific zip code, 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 choices and driver risks.

• The best discount rate is $605
• Using higher $1,000 deductibles will save about $84 each year
• The estimated price for a 40-year-old good driver using $500 deductibles is $998
• Using low deductibles for physical damage coverage will cost an additional $160 a year
• Drivers who are prone to accidents and violations could pay at least $2,154 or more
• An auto insurance policy that insures a teen driver can be $4,054 or more

View Chart as Image

Auto insurance prices for a Mazda 3 also have a wide range based on the trim level and model year, your age and driving record, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are probably paying at least $1,200 to $1,700 in extra premium annually, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 134% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay as much as $4,000 a year. View Rates by Age

Where you choose to live has a huge impact on Mazda 3 insurance rates. A driver around age 40 might see prices as low as $660 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,350 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $250 each year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out your exact price is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially 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 Find Low Cost Mazda 3 Insurance

Finding better rates on Mazda 3 insurance requires being a low-risk driver, maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Compare prices at least once a year by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The items below are a review of the primary concepts that were raised in the charts and tables above.

• It is possible to save up to $110 per year simply by quoting online in advance
• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,160 more every year to insure their 3
• Increasing policy deductibles can save approximately $250 each year
• Teen drivers are expensive to insure, with premiums being up to $338 per month if the policy includes full coverage