Mazda CX-3 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 2, 2024
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Estimated auto insurance rates for a Mazda CX-3 are $1,176 annually for full coverage. Comprehensive costs approximately $220, collision costs $338, and liability coverage costs $460. A liability-only policy costs as little as $510 a year, with high-risk insurance costing around $2,534. Teen drivers pay the most at $4,576 a year or more.
Average premium for full coverage: $1,176
Premium estimates by type of coverage:
Rate estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for all CX-3 models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Mazda CX-3 go from as cheap as $510 for just the minimum liability insurance to the much higher price of $2,534 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Your location has a large influence on car insurance rates. Rural locations are statistically proven to have fewer accident claims than larger metro areas.
The example below illustrates the difference between rural and urban areas on auto insurance prices.
These rate differences show why everyone should compare rates using their specific location and their own personal driving habits, rather than using price 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 Rate Analysis
The chart below shows estimated Mazda CX-3 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $698
- Drivers who choose higher $1,000 deductibles will pay $128 a year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,176
- Choosing pricier low deductibles for comprehensive and collision insurance will cost $1,418
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,534 or more
- An auto insurance policy with full coverage for a teenage driver for full coverage can cost $4,576 a year
Auto insurance prices for a Mazda CX-3 also have a wide range based on the model of your CX-3, your driver profile, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay in the ballpark of $4,500 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying anywhere from $1,400 to $2,000 in extra premium annually, depending on your age. Mazda CX-3 insurance for high-risk drivers can cost around 44% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $370 a year, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Mazda CX-3 insurance rates. A 40-year-old driver could pay as low as $780 a year in states like Iowa, Maine, and Idaho, or as much as $1,680 on average in New York, Louisiana, and Michigan.
| 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 such a large range in prices, the only way to know who has the cheapest car insurance prices is to regularly compare prices and see how they stack up. Every company uses a different rate calculation, and quoted prices will be substantially different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Mazda CX-3 | $248 | $430 | $442 | $1,278 |
| 2020 Mazda CX-3 | $238 | $400 | $452 | $1,248 |
| 2019 Mazda CX-3 | $230 | $376 | $456 | $1,220 |
| 2018 Mazda CX-3 | $220 | $338 | $460 | $1,176 |
| 2017 Mazda CX-3 | $206 | $310 | $460 | $1,134 |
| 2016 Mazda CX-3 | $198 | $292 | $464 | $1,112 |
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 the Best Mazda CX-3 Insurance
Finding better rates on auto insurance not only requires being a low-risk driver, but also having above-average credit, not filing small claims, and not having any coverage lapses. Set aside time to compare rates at every policy renewal by getting rate quotes from direct carriers, and also from several local insurance agents.
The items below are a brief recap of the data covered above.
- Consumers who purchase more liability coverage will pay about $510 each year to go from 30/60 bodily injury limits to higher 250/500 limits
- Drivers can save around $140 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $375 each year
- Teen drivers have the highest car insurance prices, as much as $381 per month if full coverage is included
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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