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Mazda 3 I SV 4-Dr Sedan Insurance Rates

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The average insurance rates for a Mazda 3 I SV 4-Dr Sedan are $1,314 a year including full coverage. Comprehensive costs an estimated $284 a year, collision insurance costs $508, and liability costs around $364. Liability-only coverage costs as low as $430 a year, and high-risk coverage costs around $2,836. Teen drivers cost the most to insure at up to $4,886 a year.

Annual premium for full coverage: $1,314

Policy rates broken down by individual coverage type:

Comprehensive $284
Collision $508
Liability $364

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Mazda 3 Trim Level

For the average driver, Mazda 3 I SV 4-Dr Sedan insurance rates range from the low end price of $430 for your basic liability-only policy to a high of $2,836 for a driver that may need high-risk insurance.

Liability Only $430
Full Coverage $1,314
High Risk $2,836

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The diagram below illustrates how location impacts insurance prices.

Rural Areas $986
Small Cities $1,380
Large Cities $1,774

These price differences highlight why it is important for drivers to compare prices for a targeted area, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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Insurance prices for a Mazda 3 I SV 4-Dr Sedan also range considerably based on the model year of your 3, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,600 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy can be from 43% to 136% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,800 a year. View Rates by Age

Your home state has a huge impact on Mazda 3 I SV 4-Dr Sedan insurance prices. A driver around age 40 might see prices as low as $1,060 a year in states like North Carolina, Indiana, and , or as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

Choosing high deductibles could cut prices by as much as $530 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise prices by up to $327 more each year. View Rates by Deductible or Liability Limit

Because prices have so much variability, the best way to figure out who has the best auto insurance prices is to get quotes from multiple companies. Each insurance company uses a different rate calculation, and rates will be varied.

View Chart as Image

Mazda 3 I SV 4-Dr Sedan insurance cost comparison chart
Column chart showing Mazda 3 I SV 4-Dr Sedan insurance prices range from $761 to $4,886 for full coverage

The chart above shows average Mazda 3 I SV 4-Dr Sedan insurance prices for various risks and coverage choices. The cheapest discount price is $761. Drivers who choose higher $1,000 deductibles will pay $1,134. The average price for a driver around age 40 using $500 deductibles is $1,314. Choosing low $100 deductibles for collision and other-than-collision coverage could cost up to $1,664. High risk drivers could be charged around $2,836. The cost for full coverage insurance for a teenage driver can be as high as $4,886.

Mazda 3 I SV 4-Dr Sedan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,190 -$124 -9.4%
Alaska $1,008 -$306 -23.3%
Arizona $1,092 -$222 -16.9%
Arkansas $1,314 -$0 0.0%
California $1,498 $184 14.0%
Colorado $1,258 -$56 -4.3%
Connecticut $1,352 $38 2.9%
Delaware $1,488 $174 13.2%
Florida $1,646 $332 25.3%
Georgia $1,216 -$98 -7.5%
Hawaii $944 -$370 -28.2%
Idaho $888 -$426 -32.4%
Illinois $978 -$336 -25.6%
Indiana $990 -$324 -24.7%
Iowa $888 -$426 -32.4%
Kansas $1,250 -$64 -4.9%
Kentucky $1,794 $480 36.5%
Louisiana $1,946 $632 48.1%
Maine $812 -$502 -38.2%
Maryland $1,086 -$228 -17.4%
Massachusetts $1,052 -$262 -19.9%
Michigan $2,284 $970 73.8%
Minnesota $1,100 -$214 -16.3%
Mississippi $1,576 $262 19.9%
Missouri $1,166 -$148 -11.3%
Montana $1,412 $98 7.5%
Nebraska $1,036 -$278 -21.2%
Nevada $1,578 $264 20.1%
New Hampshire $948 -$366 -27.9%
New Jersey $1,470 $156 11.9%
New Mexico $1,164 -$150 -11.4%
New York $1,386 $72 5.5%
North Carolina $758 -$556 -42.3%
North Dakota $1,078 -$236 -18.0%
Ohio $906 -$408 -31.1%
Oklahoma $1,352 $38 2.9%
Oregon $1,206 -$108 -8.2%
Pennsylvania $1,254 -$60 -4.6%
Rhode Island $1,754 $440 33.5%
South Carolina $1,192 -$122 -9.3%
South Dakota $1,108 -$206 -15.7%
Tennessee $1,152 -$162 -12.3%
Texas $1,586 $272 20.7%
Utah $974 -$340 -25.9%
Vermont $900 -$414 -31.5%
Virginia $786 -$528 -40.2%
Washington $1,016 -$298 -22.7%
West Virginia $1,206 -$108 -8.2%
Wisconsin $912 -$402 -30.6%
Wyoming $1,172 -$142 -10.8%

View Chart as Image

Mazda 3 I SV 4-Dr Sedan insurance rates by U.S. city

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Rates by Driver Age

Mazda 3 I SV 4-Dr Sedan Insurance Rates by Driver Age
Driver Age Premium
16 $4,886
20 $3,030
30 $1,372
40 $1,314
50 $1,200
60 $1,178

Full coverage, $500 deductibles

Rates by Deductible

Mazda 3 I SV 4-Dr Sedan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,664
$250 $1,502
$500 $1,314
$1,000 $1,134

Full coverage, driver age 40

Rates by Liability Limit

Mazda 3 I SV 4-Dr Sedan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,314
50/100 $1,387
100/300 $1,478
250/500 $1,714
100 CSL $1,423
300 CSL $1,623
500 CSL $1,769

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda 3 I SV 4-Dr Sedan Insurance Rates for High Risk Drivers
Age Premium
16 $6,960
20 $4,814
30 $2,898
40 $2,836
50 $2,706
60 $2,682

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 $181

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $69
Multi-vehicle $68
Homeowner $19
5-yr Accident Free $96
5-yr Claim Free $84
Paid in Full/EFT $60
Advance Quote $65
Online Quote $92
Total Discounts $553
Rate after discounts $761

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

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