Mazda 3 Insurance Rates

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UPDATED: Apr 23, 2024

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U.S. average insurance rates for a Mazda 3 are $1,374 a year for full coverage insurance. Comprehensive costs approximately $282, collision insurance costs $536, and liability is $398. Liability-only coverage costs around $460 a year, and high-risk coverage costs around $2,982. Teens pay the highest rates at up to $5,156 a year.

Average premium for full coverage: $1,374

Price estimates by individual coverage:

Comprehensive $282
Collision $536
Liability $398

These estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all 3 models.

Price Range from Low to High

For the normal driver, Mazda 3 insurance prices range from the low end price of $460 for just liability insurance to the much higher price of $2,982 for a driver who has had serious violations or accidents.

Liability Only $460
Full Coverage $1,374
High Risk $2,982

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations have lower incidents of physical damage claims than cities with more traffic congestion. The example below illustrates how geographic area affects auto insurance prices.

Rural Areas $1,031
Small Cities $1,443
Large Cities $1,855

The ranges above illustrate why everyone should compare rates quotes using their specific location, 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 illustrates average Mazda 3 insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $790
  • Raising to $1,000 deductibles will save $186 each year
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,374
  • Selecting pricier low deductibles bumps up the cost to $1,736
  • Drivers with serious driving violations could pay around $2,982
  • The price that insures a 16-year-old driver for full coverage can cost $5,156

View Chart as Image

Mazda 3 insurance cost comparison chart
Column chart showing Mazda 3 insurance rates range from $790 to $5,156 for full coverage

Auto insurance prices for a Mazda 3 are also quite variable based on the model of your 3, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,600 to $2,200 in extra premium each year, depending on your age. Mazda 3 insurance for high-risk drivers is expensive and can cost from 43% to 130% more than the average policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,100 a year. View Rates by Age

The state you live in also has a big influence on Mazda 3 insurance prices. A middle-age driver might find prices as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,860 on average in Florida, New York, and Michigan.

Mazda 3 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,242 -$132 -9.6%
Alaska $1,056 -$318 -23.1%
Arizona $1,142 -$232 -16.9%
Arkansas $1,374 -$0 0.0%
California $1,568 $194 14.1%
Colorado $1,312 -$62 -4.5%
Connecticut $1,416 $42 3.1%
Delaware $1,556 $182 13.2%
Florida $1,720 $346 25.2%
Georgia $1,270 -$104 -7.6%
Hawaii $988 -$386 -28.1%
Idaho $930 -$444 -32.3%
Illinois $1,026 -$348 -25.3%
Indiana $1,034 -$340 -24.7%
Iowa $928 -$446 -32.5%
Kansas $1,308 -$66 -4.8%
Kentucky $1,876 $502 36.5%
Louisiana $2,034 $660 48.0%
Maine $850 -$524 -38.1%
Maryland $1,132 -$242 -17.6%
Massachusetts $1,100 -$274 -19.9%
Michigan $2,390 $1,016 73.9%
Minnesota $1,152 -$222 -16.2%
Mississippi $1,648 $274 19.9%
Missouri $1,220 -$154 -11.2%
Montana $1,476 $102 7.4%
Nebraska $1,084 -$290 -21.1%
Nevada $1,650 $276 20.1%
New Hampshire $990 -$384 -27.9%
New Jersey $1,538 $164 11.9%
New Mexico $1,220 -$154 -11.2%
New York $1,448 $74 5.4%
North Carolina $792 -$582 -42.4%
North Dakota $1,126 -$248 -18.0%
Ohio $950 -$424 -30.9%
Oklahoma $1,412 $38 2.8%
Oregon $1,260 -$114 -8.3%
Pennsylvania $1,312 -$62 -4.5%
Rhode Island $1,836 $462 33.6%
South Carolina $1,248 -$126 -9.2%
South Dakota $1,160 -$214 -15.6%
Tennessee $1,204 -$170 -12.4%
Texas $1,658 $284 20.7%
Utah $1,018 -$356 -25.9%
Vermont $940 -$434 -31.6%
Virginia $822 -$552 -40.2%
Washington $1,064 -$310 -22.6%
West Virginia $1,260 -$114 -8.3%
Wisconsin $952 -$422 -30.7%
Wyoming $1,224 -$150 -10.9%

View Chart as Image

Mazda 3 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $550 annually, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 extra every year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Mazda 3 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Mazda 3 I Sport 4-Dr Sedan $1,290 $108
Mazda 3 I SV 4-Dr Sedan $1,290 $108
Mazda 3 I Touring 4-Dr Sedan $1,374 $115
Mazda 3 S Sport 4-Dr Hatchback $1,416 $118
Mazda 3 S Sport 4-Dr Sedan $1,416 $118
Mazda 3 S Grand Touring 4-Dr Hatchback $1,458 $122
Mazda 3 S Grand Touring 4-Dr Sedan $1,458 $122

Rates assume 2024 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Mazda 3 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Mazda 3 $282 $536 $398 $1,374
2023 Mazda 3 $272 $524 $416 $1,370
2022 Mazda 3 $262 $502 $430 $1,352
2021 Mazda 3 $248 $484 $442 $1,332
2020 Mazda 3 $238 $450 $452 $1,298
2019 Mazda 3 $230 $424 $456 $1,268
2018 Mazda 3 $220 $380 $460 $1,218
2017 Mazda 3 $206 $350 $460 $1,174
2016 Mazda 3 $198 $328 $464 $1,148
2015 Mazda 3 $194 $306 $474 $1,132
2014 Mazda 3 $180 $284 $474 $1,096
2013 Mazda 3 $174 $258 $478 $1,068
2012 Mazda 3 $162 $236 $474 $1,030
2011 Mazda 3 $152 $214 $474 $998
2010 Mazda 3 $148 $192 $468 $966
2009 Mazda 3 $146 $188 $460 $952
2008 Mazda 3 $144 $178 $452 $932
2007 Mazda 3 $132 $170 $446 $906

Rates are averaged for all Mazda 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 Cheap Mazda 3 Insurance

Getting lower rates on insurance for a Mazda 3 consists of being a low-risk driver, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Compare rates every other policy renewal by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The items below are a brief summary of the ideas that were presented in the illustrations above.

  • Teen drivers have the highest car insurance prices, as much as $430 a month if the policy includes full coverage
  • Drivers considered higher risk that tend to have accidents or serious violations could be charged and average of $1,610 more per year to insure their 3
  • Increasing physical damage deductibles can save approximately $550 each year
  • It is possible to save around $170 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

Mazda 3 Insurance Rates by Driver Age
Driver Age Premium
16 $5,156
20 $3,190
30 $1,436
40 $1,374
50 $1,258
60 $1,234

Full coverage, $500 deductibles

Rates by Deductible

Mazda 3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,736
$250 $1,568
$500 $1,374
$1,000 $1,188

Full coverage, driver age 40

Rates by Liability Limit

Mazda 3 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,374
50/100 $1,538
100/300 $1,637
250/500 $1,896
100 CSL $1,577
300 CSL $1,796
500 CSL $1,956

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda 3 Insurance Rates for High Risk Drivers
Age Premium
16 $7,356
20 $5,072
30 $3,046
40 $2,982
50 $2,846
60 $2,822

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 $193

Potential Rate Discounts

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

Discount Savings
Multi-policy $73
Multi-vehicle $72
Homeowner $20
5-yr Accident Free $102
5-yr Claim Free $89
Paid in Full/EFT $63
Advance Quote $68
Online Quote $97
Total Discounts $584
Rate after discounts $790

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

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