Mazda CX-3 Insurance Rates
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Michelle Robbins
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UPDATED: Apr 2, 2024
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Average insurance rates for a Mazda CX-3 are $1,220 a year including full coverage. Comprehensive costs on average $230, collision insurance costs $376, and liability is estimated at $456. A policy with just liability insurance costs approximately $508 a year, and coverage for high-risk drivers costs around $2,636. 16-year-old drivers receive the highest rates at up to $4,720 a year.
Average premium for full coverage: $1,220
Rate estimates by individual coverage type:
Estimates include $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for all CX-3 models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from the low end price of $508 for minimum levels of liability insurance to the much higher price of $2,636 for high-risk insurance.
Price Range by Location
Living in a larger city can have significant affects on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than congested cities. The example below illustrates how where you live affects car insurance rates.
These examples highlight why everyone should get quotes based on a specific location, instead of using 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 Rate Details
The chart below breaks down average Mazda CX-3 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $717
- Choosing higher $1,000 deductibles can save around $138 every year
- The estimated price for a 40-year-old driver with $500 deductibles is $1,220
- Buying pricier low deductibles for comp and collision coverage bumps up the cost to $1,486
- Unlucky drivers with multiple tickets or accidents could pay upwards of $2,636
- The cost that insures a teen driver for full coverage may cost $4,720 each year
Insurance rates for a Mazda CX-3 can also vary considerably based on the model of your CX-3, your driving record and age, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,500 to $2,000 additional per year, depending on your age. Mazda CX-3 insurance for high-risk drivers ranges as much as 42% to 137% more than the average rate. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,700 a year. View Rates by Age
Where you live plays a big part in determining prices for Mazda CX-3 insurance prices. A good driver about age 40 could pay as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,740 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,104 | -$116 | -9.5% |
| Alaska | $936 | -$284 | -23.3% |
| Arizona | $1,012 | -$208 | -17.0% |
| Arkansas | $1,220 | -$0 | 0.0% |
| California | $1,392 | $172 | 14.1% |
| Colorado | $1,166 | -$54 | -4.4% |
| Connecticut | $1,254 | $34 | 2.8% |
| Delaware | $1,382 | $162 | 13.3% |
| Florida | $1,526 | $306 | 25.1% |
| Georgia | $1,126 | -$94 | -7.7% |
| Hawaii | $876 | -$344 | -28.2% |
| Idaho | $824 | -$396 | -32.5% |
| Illinois | $908 | -$312 | -25.6% |
| Indiana | $918 | -$302 | -24.8% |
| Iowa | $822 | -$398 | -32.6% |
| Kansas | $1,160 | -$60 | -4.9% |
| Kentucky | $1,664 | $444 | 36.4% |
| Louisiana | $1,806 | $586 | 48.0% |
| Maine | $754 | -$466 | -38.2% |
| Maryland | $1,006 | -$214 | -17.5% |
| Massachusetts | $976 | -$244 | -20.0% |
| Michigan | $2,120 | $900 | 73.8% |
| Minnesota | $1,022 | -$198 | -16.2% |
| Mississippi | $1,460 | $240 | 19.7% |
| Missouri | $1,082 | -$138 | -11.3% |
| Montana | $1,310 | $90 | 7.4% |
| Nebraska | $960 | -$260 | -21.3% |
| Nevada | $1,462 | $242 | 19.8% |
| New Hampshire | $880 | -$340 | -27.9% |
| New Jersey | $1,362 | $142 | 11.6% |
| New Mexico | $1,080 | -$140 | -11.5% |
| New York | $1,286 | $66 | 5.4% |
| North Carolina | $702 | -$518 | -42.5% |
| North Dakota | $998 | -$222 | -18.2% |
| Ohio | $842 | -$378 | -31.0% |
| Oklahoma | $1,254 | $34 | 2.8% |
| Oregon | $1,116 | -$104 | -8.5% |
| Pennsylvania | $1,162 | -$58 | -4.8% |
| Rhode Island | $1,628 | $408 | 33.4% |
| South Carolina | $1,104 | -$116 | -9.5% |
| South Dakota | $1,030 | -$190 | -15.6% |
| Tennessee | $1,068 | -$152 | -12.5% |
| Texas | $1,470 | $250 | 20.5% |
| Utah | $904 | -$316 | -25.9% |
| Vermont | $836 | -$384 | -31.5% |
| Virginia | $732 | -$488 | -40.0% |
| Washington | $942 | -$278 | -22.8% |
| West Virginia | $1,118 | -$102 | -8.4% |
| Wisconsin | $844 | -$376 | -30.8% |
| Wyoming | $1,088 | -$132 | -10.8% |
Opting for high physical damage deductibles can save as much as $410 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Mazda CX-3 | $262 | $446 | $430 | $1,296 |
| 2020 Mazda CX-3 | $248 | $430 | $442 | $1,278 |
| 2019 Mazda CX-3 | $238 | $400 | $452 | $1,248 |
| 2018 Mazda CX-3 | $230 | $376 | $456 | $1,220 |
| 2017 Mazda CX-3 | $220 | $338 | $460 | $1,176 |
| 2016 Mazda CX-3 | $206 | $310 | $460 | $1,134 |
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 Find Low Cost Mazda CX-3 Insurance
Saving money on car insurance takes being a good driver, having a good credit score, not filing small claims, and dropping full coverage on older vehicles. Comparison shop every couple of years by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following list is a review of the material that was touched on in the above illustrations.
- Policyholders who require an increased level of liability coverage will pay around $500 per year to raise limits from a minimum limit to the 250/500 level
- Drivers age 16 to 20 pay higher rates, as much as $393 per month if comprehensive and collision insurance is included
- Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,420 more each year than a safer driver
- Increasing deductibles can save approximately $400 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,720 |
| 20 | $2,808 |
| 30 | $1,258 |
| 40 | $1,220 |
| 50 | $1,116 |
| 60 | $1,094 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,486 |
| $250 | $1,362 |
| $500 | $1,220 |
| $1,000 | $1,082 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,220 |
| 50/100 | $1,311 |
| 100/300 | $1,425 |
| 250/500 | $1,722 |
| 100 CSL | $1,357 |
| 300 CSL | $1,608 |
| 500 CSL | $1,790 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,700 |
| 20 | $4,472 |
| 30 | $2,676 |
| 40 | $2,636 |
| 50 | $2,518 |
| 60 | $2,496 |
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 | $64 |
| Multi-vehicle | $65 |
| Homeowner | $20 |
| 5-yr Accident Free | $83 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $51 |
| Advance Quote | $57 |
| Online Quote | $85 |
| Total Discounts | $503 |
Discounts are estimated and may not be available from every company or in every state.
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