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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Average insurance rates for a Mazda 3 are $1,030 a year including full coverage. Comprehensive insurance costs around $162 each year, collision insurance costs $236, and liability insurance is $474. Liability-only coverage costs around $522 a year, and high-risk coverage 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 for individual coverage type:
Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and 3 models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from the low end price of $522 for just the minimum liability insurance to a high rate of $2,224 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than larger metro areas. The graphic below illustrates the difference location can make on auto insurance rates.
These examples highlight why all drivers should compare rates quotes for a specific zip code, rather than relying on 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 Analysis
The chart below breaks down average Mazda 3 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $621
- Raising to $1,000 deductibles will save about $90 every year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,030
- Choosing low deductibles will cost an additional $172 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,224
- The cost that insures a teen driver can be $4,152
Car insurance rates for a Mazda 3 can also vary considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you are likely paying at least $1,200 to $1,800 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 130% more than average. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,000 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged as much as $4,100 a year. View Rates by Age
Where you live also has a big influence on Mazda 3 insurance rates. A middle-age driver might find rates as low as $790 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,470 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing high deductibles can reduce rates by up to $270 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Find Low Cost Mazda 3 Insurance
Saving money on Mazda 3 insurance consists of being safe and accident-free, having a positive credit history, not filing small claims, and consideration of higher deductibles. Shop around every other policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
Below you'll find a review of the ideas that were touched on in this article.
- Youthful drivers are the costliest to insure, as much as $346 per month if full coverage is purchased
- High-risk drivers who have several accidents or serious violations may have to pay on average $1,190 more every year than a low-risk driver
- Increasing deductibles can save approximately $250 each year
- You may be able to save up to $120 per year just by quoting online in advance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,202 |
| $250 | $1,124 |
| $500 | $1,030 |
| $1,000 | $940 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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