Mazda 3 Insurance Rates

The average insurance rates for a Mazda 3 are $1,030 a year including full coverage. Comprehensive costs an estimated $162 a year, collision insurance costs $236, and liability costs $474. A liability-only policy costs as little as $522 a year, and high-risk insurance costs around $2,224. 16-year-old drivers cost the most to insure at up to $4,152 a year.

Average premium for full coverage: $1,030

Policy rates broken down by type of insurance:

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and 3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities. The diagram below illustrates how location impacts insurance prices.

The examples above highlight why it is important to compare rates for a targeted area, instead of using rate averages.

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

Rate Comparisons

The chart below breaks down average Mazda 3 insurance rates for other coverage scenarios.

• The best full coverage rate is $621
• Drivers who choose higher $1,000 deductibles will pay approximately $940 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,030
• Buying low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,202
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,224
• Policy cost that insures a teen driver can cost as much as $4,152 a year

View Chart as Image

Car insurance rates for a Mazda 3 also range considerably based on the trim level of your 3, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,200 to $1,800 extra every year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 130% more than the average rate. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged at least $4,100 a year. View Rates by Age

Your home state 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 Vermont, New Hampshire, and Missouri, or at least $1,470 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $270 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

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 Cheap Mazda 3 Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and claims, but also having a positive credit history, paying for small claims out-of-pocket, and possibly higher deductibles. Comparison shop every other policy renewal by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The points below are a brief summary of the ideas that were touched on above.

• Drivers under the age of 20 have the highest car insurance rates, with premiums being up to $346 each month if full coverage is purchased
• Higher risk drivers that tend to have accidents or serious violations could be charged and average of $1,190 more annually to insure a Mazda 3
• Increasing comprehensive and collision deductibles can save approximately $250 each year
• You may be able to save approximately $120 per year just by quoting early and online