Mazda 3 Insurance Rates

Estimated insurance prices for a Mazda 3 are $1,384 every 12 months including full coverage. Comprehensive insurance costs on average $294 each year, collision costs $542, and liability insurance costs around $390. Liability-only coverage costs as low as $452 a year, with high-risk coverage costing $2,992 or more. Teens pay the most at $5,148 a year or more.

Average premium for full coverage: $1,384

Premium estimates by type of coverage:

These estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and 3 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences highlight why all drivers should compare prices based on a 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 breaks down estimated Mazda 3 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $795
• Using higher $1,000 deductibles will save around $190 every year
• The average price for a 40-year-old good driver with $500 deductibles is $1,384
• Selecting low deductibles for physical damage coverage costs an extra $366 a year
• Drivers with serious driving violations could pay upwards of $2,992 or more
• An auto insurance policy to insure a teen driver may cost $5,148 or more

View Chart as Image

Insurance prices for a Mazda 3 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your 3.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $560 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $351 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay upwards of $5,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 129% more than the average policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Mazda 3 insurance rates. A driver around age 40 might see prices as low as $1,060 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,970 on average in Michigan, New York, and Louisiana.

View Chart as Image

With such a large range in prices, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each insurance company calculates prices differently, so the prices will be substantially 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 Cheap Mazda 3 Insurance

Finding better rates on Mazda 3 insurance requires having a decent driving record, having good credit, refrain from filing small claims, and bundling your home and auto policies. Set aside time to compare rates at least once a year by getting rate quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The following items are a brief summary of the primary concepts that were covered above.

• You may be able to save as much as $170 per year simply by quoting online in advance
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,610 more each year than a driver with a clean driving record
• Increasing policy deductibles could save as much as $550 each year
• 16 to 18-year-old drivers pay the highest prices, with the cost nearing $429 per month if they have full coverage