Mazda 3 Insurance Rates

Average insurance rates for a Mazda 3 are $998 a year with full coverage. Comprehensive costs approximately $152, collision costs $214, and liability costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance costing around $2,154. Teens receive the highest rates at $4,054 a year or more.

Average premium for full coverage: $998

Rate estimates by individual coverage type:

Rates are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for all 3 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of insurance. Rural locations tend to have lower incidents of collision claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

These examples demonstrate why everyone should compare prices using their specific location, instead of making a decision based on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $605
• Using higher $1,000 deductibles will save $84 annually
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $998
• Selecting pricier low deductibles for physical damage coverage bumps up the cost to $1,158
• High-risk insureds with serious driving violations could pay around $2,154 or more
• The cost that insures a 16-year-old driver for full coverage can cost $4,054 or more

View Chart as Image

Insurance rates for a Mazda 3 can also vary considerably based on the model of your 3, your age and driving habits, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,200 to $1,700 extra per year, depending on your age. Mazda 3 insurance for high-risk drivers can be from 42% to 134% more than the average policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $900 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,000 a year. View Rates by Age

Where you live has a huge impact on Mazda 3 insurance prices. A driver around age 40 might see rates as low as $720 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,350 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $250 annually, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from multiple companies. Each insurance company calculates rates differently, so the rates can be significantly 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 the Best Cheap Mazda 3 Insurance

Saving money on insurance for a Mazda 3 requires avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Compare rates every time your policy renews by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The list below is a quick review of the information covered above.

• You may be able to save around $110 per year simply by quoting online well ahead of the renewal date
• Teenagers are expensive to insure, with premiums as much as $338 per month if full coverage is included
• Increasing deductibles can save approximately $250 each year
• Drivers considered higher risk with a DUI or reckless driving violation may have to pay on average $1,160 more per year for car insurance
• Insureds who purchase higher liability limits will pay approximately $520 every year to increase from a minimum limit to the 250/500 level