Mazda CX-3 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 6, 2023

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The average insurance prices for a Mazda CX-3 are $1,176 every 12 months for full coverage insurance. Comprehensive insurance costs on average $220, collision insurance costs $338, and liability costs around $460. Liability-only insurance costs as low as $510 a year, and high-risk driver insurance costs $2,534 or more. 16-year-old drivers cost the most to insure at up to $4,576 a year.

Average premium for full coverage: $1,176

Policy rates by type of insurance:

Comprehensive $220
Collision $338
Liability $460

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for all CX-3 models.

Price Range Variability

For the normal driver, Mazda CX-3 insurance rates range from the cheapest price of $510 for liability-only coverage to the much higher price of $2,534 for a driver who requires high-risk insurance.

Liability Only $510
Full Coverage $1,176
High Risk $2,534

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. Rural areas are shown to have more infrequent physical damage claims than congested cities. The example below illustrates how geographic area affects car insurance rates.

Rural Areas $882
Small Cities $1,235
Large Cities $1,588

The examples above illustrate why everyone should compare prices based on a specific location and their own driving history, instead of making a decision based on rate averages.

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.

Additional Charts and Tables

The chart below illustrates average Mazda CX-3 insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $698
  • Using higher $1,000 deductibles will save around $128 each year
  • The average price for a good driver age 40 with $500 deductibles is $1,176
  • Buying pricier low deductibles for physical damage coverage costs an extra $242 annually
  • High-risk insureds with multiple tickets or accidents could pay upwards of $2,534
  • Policy cost to insure a 16-year-old driver for full coverage may cost $4,576 or more

View Chart as Image

Mazda CX-3 insurance cost comparison chart
Column chart showing Mazda CX-3 insurance prices range from $698 to $4,576 for full coverage

Auto insurance rates for a Mazda CX-3 also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your CX-3.

Opting for high physical damage deductibles could cut rates by as much as $370 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay upwards of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,400 to $2,000 in extra premium every year, depending on your age. Mazda CX-3 insurance for high-risk drivers can be from 44% to 133% more than the average rate. View High Risk Driver Rates

Your home state has a huge impact on Mazda CX-3 insurance prices. A driver around age 40 might see rates as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,590 on average in Michigan, New York, and Florida.

Mazda CX-3 Insurance Rates by State
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%

View Chart as Image

Mazda CX-3 insurance rates by U.S. city
Mazda CX-3 Insurance Rates by Model Year
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 Shop for the Cheapest Mazda CX-3 Insurance

Finding cheaper rates on insurance for a Mazda CX-3 requires being safe and accident-free, having a good credit score, being claim-free, and deciding if full coverage is necessary. Invest the time to compare rates at every other renewal by obtaining price quotes from direct insurance companies, and also from several local insurance agents.

Below you'll find a recap of the concepts that were presented in the illustrations above.

  • Drivers considered higher risk that have major violations or accidents pay on average $1,360 more each year than a low-risk driver
  • Youthful drivers are charged the highest rates, possibly costing $381 each month if comprehensive and collision insurance is included
  • It is possible to save as much as $140 per year just by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles could save as much as $375 each year
  • It is possible to save as much as $140 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

Mazda CX-3 Insurance 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

Mazda CX-3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,418
$250 $1,306
$500 $1,176
$1,000 $1,048

Full coverage, driver age 40

Rates by Liability Limit

Mazda CX-3 Insurance Rates with Different Liability Limits
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

Mazda CX-3 Insurance 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.

SR-22 Surcharge $160

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
Rate after discounts $698

Discounts are estimated and may not be available from every company or in every state.

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