Mazda 3 Insurance Rates

U.S. average auto insurance rates for a Mazda 3 are $998 annually including full coverage. Comprehensive costs approximately $152 a year, collision costs $214, and liability is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers costing around $2,154. Teen drivers pay the highest rates at $4,054 a year or more.

Average premium for full coverage: $998

Price estimates by individual coverage:

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and 3 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance prices. Rural locations have fewer comprehensive and collision claims than larger metro areas.

The diagram below illustrates the effect of geographic area on auto insurance prices.

The ranges above highlight why it is important to get quotes using their specific location and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $605
• Choosing higher $1,000 deductibles can save $914 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $998
• Choosing low $100 deductibles for comp and collision coverage will cost $1,158
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,154 or more
• The price with full coverage for a 16-year-old driver can cost $4,054 each year

View Chart as Image

Insurance prices for a Mazda 3 are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $900 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,200 to $1,700 additional each year, depending on your age. A high-risk auto insurance policy ranges from 42% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $250 annually, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Mazda 3 insurance prices. A good driver about age 40 could pay as low as $770 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,430 on average in Louisiana, New York, and Michigan.

View Chart as Image

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, and prices may be quite different between companies.

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 Buy Cheaper Mazda 3 Insurance

Getting lower rates on insurance for a Mazda 3 takes being a good driver, having good credit, being claim-free, and qualifying for all possible discounts. Take the time to compare rates every other policy renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following list is a condensed summary of the ideas that were covered in the above illustrations.

• Drivers age 16 to 20 are the costliest to insure, possibly costing $338 a month if they have full coverage
• Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,160 more per year than a safer driver
• Increasing physical damage deductibles could save up to $250 each year
• You may be able to save around $110 per year simply by quoting early and online