Mazda 3 Insurance Rates

Estimated insurance rates for a Mazda 3 are $1,030 a year including full coverage. Comprehensive insurance costs on average $162, collision insurance costs $236, and liability costs $474. Liability-only insurance costs as little as $522 a year, and high-risk driver insurance costs $2,224 or more. Teenage drivers pay the most at up to $4,152 a year.

Average premium for full coverage: $1,030

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different 3 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities. The price range example below illustrates how location impacts car insurance rates.

These rate differences highlight why anyone shopping for car insurance should compare rates based on a specific location and risk profile, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below breaks down average Mazda 3 insurance rates for different risk profiles and scenarios.

• The best discount rate is $621
• Drivers who choose higher $1,000 deductibles will pay around $90 every year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,030
• Using more expensive low deductibles for comprehensive and collision insurance will cost an extra $172 annually
• Drivers who are prone to accidents and violations could pay upwards of $2,224
• An auto insurance policy for full coverage for a 16-year-old driver with full coverage may cost $4,152 a year

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Insurance prices for a Mazda 3 also have a wide range based on your driving characteristics, the model of your 3, and policy deductibles and limits.

An older driver with no violations or accidents and high deductibles may pay as low as $1,000 per year on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay upwards of $4,100 a year. View Rates by Age

Where you choose to live makes a big difference in Mazda 3 insurance prices. A 40-year-old driver could pay as low as $790 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,470 on average in Michigan, New York, and Louisiana.

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Using high physical damage deductibles could save up to $270 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at a minimum $1,200 to $1,800 additional annually, depending on your age. High-risk driver insurance can cost from 43% to 130% more than a normal policy. View High Risk Driver Rates

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 Affordable Mazda 3 Insurance

Finding better rates on insurance for a Mazda 3 not only requires being safe and accident-free, but also having a good credit history, refrain from filing small claims, and dropping full coverage on older vehicles. Spend time shopping around every time your policy renews by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below you'll find a brief review of the information touched on above.

• You may be able to save as much as $120 per year just by shopping early and online
• Youthful drivers pay higher prices, with the cost nearing $346 per month including comprehensive and collision insurance
• Increasing policy deductibles can save around $250 each year
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,190 more each year than a low-risk driver
• Insureds who require more liability protection will pay an extra $520 per year to go from 30/60 bodily injury limits to 250/500 limits