Mazda CX-3 Insurance Rates
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UPDATED: Jun 6, 2023
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Average auto insurance rates for a Mazda CX-3 are $1,176 annually for full coverage. Comprehensive insurance costs on average $220 a year, collision costs $338, and liability insurance costs around $460. A liability-only policy costs as low as $510 a year, with high-risk insurance costing $2,534 or more. Teenage drivers receive the highest rates at $4,576 a year or more.
Average premium for full coverage: $1,176
Rate estimates by individual coverage type:
Prices are based on $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and CX-3 trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as cheap as $510 for just liability insurance to a high of $2,534 for high-risk insurance.
Price Range by Location
Where you live has a significant impact on car insurance rates. Rural areas tend to have fewer accident claims than densely populated cities.
The diagram below illustrates how where you live affects car insurance rates.
These examples show why it is important to compare prices based on a specific location and their own personal driving habits, rather than relying on average rates.
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.
More Rate Details
The chart below shows estimated Mazda CX-3 insurance rates for different risk profiles and scenarios.
- The best discount rate is $698
- Using higher $1,000 deductibles will save around $1,048 a year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,176
- Using low $100 deductibles for physical damage coverage costs an additional $242 a year
- Drivers who are prone to accidents and violations could pay upwards of $2,534 or more
- The cost with full coverage for a teen driver may cost $4,576 or more
Insurance rates for a Mazda CX-3 can also vary considerably based on the trim level of your CX-3, your driver profile, and policy deductibles and limits.
Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay upwards of $4,500 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $370 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Mazda CX-3 insurance rates. A driver around age 40 might see rates as low as $780 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,680 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,064 | -$112 | -9.5% |
| Alaska | $900 | -$276 | -23.5% |
| Arizona | $976 | -$200 | -17.0% |
| Arkansas | $1,176 | -$0 | 0.0% |
| California | $1,338 | $162 | 13.8% |
| Colorado | $1,124 | -$52 | -4.4% |
| Connecticut | $1,208 | $32 | 2.7% |
| Delaware | $1,330 | $154 | 13.1% |
| Florida | $1,470 | $294 | 25.0% |
| Georgia | $1,084 | -$92 | -7.8% |
| Hawaii | $844 | -$332 | -28.2% |
| Idaho | $794 | -$382 | -32.5% |
| Illinois | $876 | -$300 | -25.5% |
| Indiana | $884 | -$292 | -24.8% |
| Iowa | $792 | -$384 | -32.7% |
| Kansas | $1,116 | -$60 | -5.1% |
| Kentucky | $1,604 | $428 | 36.4% |
| Louisiana | $1,740 | $564 | 48.0% |
| Maine | $726 | -$450 | -38.3% |
| Maryland | $970 | -$206 | -17.5% |
| Massachusetts | $942 | -$234 | -19.9% |
| Michigan | $2,042 | $866 | 73.6% |
| Minnesota | $984 | -$192 | -16.3% |
| Mississippi | $1,408 | $232 | 19.7% |
| Missouri | $1,042 | -$134 | -11.4% |
| Montana | $1,262 | $86 | 7.3% |
| Nebraska | $928 | -$248 | -21.1% |
| Nevada | $1,410 | $234 | 19.9% |
| New Hampshire | $848 | -$328 | -27.9% |
| New Jersey | $1,316 | $140 | 11.9% |
| New Mexico | $1,040 | -$136 | -11.6% |
| New York | $1,240 | $64 | 5.4% |
| North Carolina | $676 | -$500 | -42.5% |
| North Dakota | $962 | -$214 | -18.2% |
| Ohio | $812 | -$364 | -31.0% |
| Oklahoma | $1,208 | $32 | 2.7% |
| Oregon | $1,078 | -$98 | -8.3% |
| Pennsylvania | $1,122 | -$54 | -4.6% |
| Rhode Island | $1,568 | $392 | 33.3% |
| South Carolina | $1,064 | -$112 | -9.5% |
| South Dakota | $992 | -$184 | -15.6% |
| Tennessee | $1,030 | -$146 | -12.4% |
| Texas | $1,416 | $240 | 20.4% |
| Utah | $870 | -$306 | -26.0% |
| Vermont | $804 | -$372 | -31.6% |
| Virginia | $704 | -$472 | -40.1% |
| Washington | $910 | -$266 | -22.6% |
| West Virginia | $1,078 | -$98 | -8.3% |
| Wisconsin | $814 | -$362 | -30.8% |
| Wyoming | $1,048 | -$128 | -10.9% |
With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate rates, so the rates can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2016 Mazda CX-3 | $220 | $338 | $460 | $1,176 |
Rates are averaged for all Mazda CX-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 Buy Affordable Mazda CX-3 Insurance
Saving money on Mazda CX-3 insurance requires avoiding accidents and claims, having a good credit history, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to comparison shop every couple of years by getting price quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.
The points below are a brief review of the material that was touched on in the above illustrations.
- Drivers who require increased liability limits will pay an extra $510 each year to increase from a minimum limit to higher 250/500 limits
- Drivers under the age of 20 pay the highest rates, costing as high as $381 per month including comprehensive and collision insurance
- High-risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,360 more each year to insure a Mazda CX-3
- Increasing deductibles could save up to $375 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,576 |
| 20 | $2,696 |
| 30 | $1,208 |
| 40 | $1,176 |
| 50 | $1,076 |
| 60 | $1,054 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,418 |
| $250 | $1,306 |
| $500 | $1,176 |
| $1,000 | $1,048 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,176 |
| 50/100 | $1,268 |
| 100/300 | $1,383 |
| 250/500 | $1,682 |
| 100 CSL | $1,314 |
| 300 CSL | $1,567 |
| 500 CSL | $1,751 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,480 |
| 20 | $4,294 |
| 30 | $2,572 |
| 40 | $2,534 |
| 50 | $2,422 |
| 60 | $2,400 |
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 | $61 |
| Multi-vehicle | $63 |
| Homeowner | $19 |
| 5-yr Accident Free | $78 |
| 5-yr Claim Free | $75 |
| Paid in Full/EFT | $47 |
| Advance Quote | $54 |
| Online Quote | $81 |
| Total Discounts | $478 |
Discounts are estimated and may not be available from every company or in every state.
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