Mazda 3 Insurance Rates

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UPDATED: Apr 23, 2024

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Estimated auto insurance rates for a Mazda 3 are $1,374 annually with full coverage. Comprehensive insurance costs an estimated $282, collision costs $536, and liability insurance is estimated at $398. A policy with only liability insurance costs approximately $460 a year, with a high-risk policy costing $2,982 or more. Teenage drivers pay the most at $5,156 a year or more.

Average premium for full coverage: $1,374

Premium estimates broken down by type of coverage:

Comprehensive $282
Collision $536
Liability $398

Estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for different 3 trim levels.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Mazda 3 go from as cheap as $460 for liability-only coverage to a much higher rate of $2,982 for a driver that may need high-risk insurance.

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

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance rates. More rural locations are statistically proven to have fewer collision claims than densely populated cities.

The price range example below illustrates how your location can change insurance prices.

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

These rate differences demonstrate why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, rather than relying on average rates.

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.

Additional Charts and Tables

The chart below details estimated Mazda 3 insurance rates for other coverage scenarios.

  • The best discount rate is $790
  • Choosing higher $1,000 deductibles can save approximately $186 annually
  • The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,374
  • Using more expensive low deductibles for comp and collision coverage costs an additional $362 a year
  • High-risk insureds who are prone to accidents and violations could pay up to $2,982 or more
  • An auto insurance policy with full coverage for a teen driver with full coverage can cost as much as $5,156 each year

View Chart as Image

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

Car insurance prices for a Mazda 3 also have a wide range based on the model of your 3, your driving record, and liability limits and deductibles.

An older driver with no driving violations and high physical damage deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged at least $5,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out $1,600 to $2,200 extra annually, depending on your age. High-risk driver insurance ranges anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $550 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Mazda 3 insurance rates. A good driver about age 40 could pay as low as $990 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,860 on average in New York, Michigan, and Florida.

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

With such a large range in prices, the best way to find out which insurance company is cheapest is to compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, so rate quotes will be substantially different between companies.

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 Buy Low Cost Mazda 3 Insurance

Finding better rates on Mazda 3 insurance takes being a low-risk driver, having a good credit score, being claim-free, and not having any coverage lapses. Invest the time to shop around once a year by getting rate quotes from direct companies, and also from several local insurance agents.

The items below are a review of the data that was illustrated above.

  • You may be able to save approximately $170 per year simply by shopping early and online
  • Drivers who want more liability coverage will pay an extra $440 every year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
  • Teen drivers have the highest car insurance prices, possibly costing $430 per month if comprehensive and collision insurance is included
  • High-risk drivers who have several accidents or serious violations pay on average $1,610 more annually to insure their 3

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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