Mazda CX-3 Insurance Rates
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UPDATED: Apr 2, 2024
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The average insurance rates for a Mazda CX-3 are $1,220 a year with full coverage. Comprehensive costs around $230, collision costs $376, and liability is $456. Liability-only coverage costs around $508 a year, with high-risk coverage costing around $2,636. Teens cost the most to insure at $4,720 a year or more.
Average premium for full coverage: $1,220
Policy rates for type of insurance:
Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all CX-3 models.
Price Range Variability
Using a 40-year-old driver as an example, Mazda CX-3 insurance rates go from as low as $508 for just liability insurance to the much higher price of $2,636 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than cities with more traffic congestion.
The example below illustrates how rural and urban location affects auto insurance rates.
The examples above demonstrate why everyone should compare rates quotes for a specific zip code and risk profile, instead of making a decision based on averaged prices.
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 details estimated Mazda CX-3 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $717
- Raising to $1,000 deductibles will save about $138 annually
- The average rate for a good driver age 40 using $500 deductibles is $1,220
- Selecting pricier low deductibles will increase the cost to $1,486
- Drivers with serious driving violations could pay at least $2,636 or more
- Policy cost for full coverage for a 16-year-old driver for full coverage can be $4,720
Insurance rates for a Mazda CX-3 also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.
A more mature driver with no violations or accidents and high deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $4,700 a year. View Rates by Age
Your home state also has a big influence on Mazda CX-3 insurance prices. A middle-age driver might find rates as low as $880 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,650 on average in Florida, Michigan, and New York.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $410 annually, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,500 to $2,000 additional every year, depending on your age. Mazda CX-3 insurance for high-risk drivers is expensive and can cost from 42% to 137% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the best way to find out your exact price is to regularly compare rates from multiple companies. Every auto insurance company calculates rates differently, and rates will be varied from one company to the next.
| 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
Finding cheaper rates on insurance for a Mazda CX-3 consists of having a decent driving record, having a good credit history, not filing small claims, and taking advantage of discounts. Set aside time to shop around at least every other year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The following items are a review of the car insurance concepts raised in the charts and tables above.
- Drivers considered higher risk who have several accidents or serious violations pay an average of $1,420 more every year than a driver with a clean driving record
- You may be able to save up to $140 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save around $400 each year
- Insureds who may need additional liability coverage will pay approximately $500 every year to raise from a 30/60 limit to 250/500 limits
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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