Mazda 3 Insurance Rates

U.S. average insurance prices for a Mazda 3 are $1,384 every 12 months for full coverage insurance. Comprehensive costs approximately $294 a year, collision costs $542, and liability insurance costs $390. A policy with just liability insurance costs as little as $452 a year, with coverage for high-risk drivers costing around $2,992. Teens pay the highest rates at $5,148 a year or more.

Average premium for full coverage: $1,384

Price estimates by individual coverage:

Includes $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and 3 trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of auto insurance. Rural locations have more infrequent physical damage claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on auto insurance prices.

The ranges above illustrate why it is important to compare rates using their specific location and their own driving history, rather than relying on averaged prices.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below illustrates estimated Mazda 3 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $795
• Drivers who choose higher $1,000 deductibles will pay $1,194 each year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,384
• Selecting low $100 deductibles for comprehensive and collision insurance increases the price to $1,750
• High risk drivers with serious driving violations could pay around $2,992 or more
• The price to insure a teen driver can cost $5,148 a year

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Insurance prices for a Mazda 3 are also quite variable based on deductibles and policy limits, your risk profile, and the model of your 3.

Choosing higher comprehensive and collision insurance deductibles could save up to $560 each year, while buying higher liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $351 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 129% more than the average policy. View High Risk Driver Rates

The state you live in makes a big difference in Mazda 3 insurance rates. A 40-year-old driver could pay as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,870 on average in Florida, New York, and Michigan.

View Chart as Image

Since prices can be so different, the only way to figure out who has the best car insurance prices is to get quotes from as many companies as possible. Every company calculates prices differently, so the prices may be quite different.

Insurance Rates by Trim Level and Model Year

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.

How to Shop for the Cheapest Mazda 3 Insurance

Getting lower rates on Mazda 3 insurance not only requires avoiding accidents and violations, but also having good credit, not filing small claims, and maximizing policy discounts. Take the time to compare rates every couple of years by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The list below is a recap of the material that was covered in the above illustrations.

• Drivers who purchase higher liability limits will pay approximately $430 annually to go from a low limit to a 250/500 level
• Teenagers are expensive to insure, as much as $429 a month if they have full coverage
• High-risk drivers that have major violations or accidents may have to pay on average $1,610 more per year for car insurance
• Increasing physical damage deductibles could save as much as $550 each year