Mazda 3 Insurance Rates

The average insurance rates for a Mazda 3 are $1,384 a year with full coverage. Comprehensive insurance costs around $294 each year, collision costs $542, and liability coverage costs $390. Liability-only insurance costs as little as $452 a year, with high-risk driver insurance costing $2,992 or more. Teenage drivers cost the most to insure at $5,148 a year or more.

Average premium for full coverage: $1,384

Policy rates for type of insurance:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and 3 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than densely populated cities.

The graphic below illustrates how geographic area affects auto insurance rates.

The examples above demonstrate why all drivers should compare rates for a specific zip code and risk profile, rather than using average rates.

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

Rate Comparisons

The chart below details estimated Mazda 3 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $795
• Drivers who choose higher $1,000 deductibles will pay about $190 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,384
• Using low deductibles for comprehensive and collision insurance will cost an extra $366 each year
• High-risk insureds who are prone to accidents and violations could pay at least $2,992 or more
• Policy cost for full coverage for a teenage driver can be $5,148 a year

View Chart as Image

Auto insurance rates for a Mazda 3 also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.

More mature drivers with a good driving record and high deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $5,100 a year. View Rates by Age

Your home state makes a big difference in Mazda 3 insurance rates. A 40-year-old driver could pay as low as $1,000 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,870 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $560 a year, whereas increasing liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,600 to $2,200 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost around 43% to 129% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to do a rate comparison and see how they stack up. Every company uses a different method to calculate rates, and quoted rates will be varied from one company to the next.

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 Find Affordable Mazda 3 Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and claims, but also having good credit, not filing small claims, and maximizing policy discounts. Invest the time to compare rates once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The points below are a brief review of the data that was presented in the illustrations above.

• You may be able to save up to $170 per year simply by quoting online in advance
• Consumers who may need increased liability limits will pay an extra $430 every year to go from a 30/60 limit to 250/500 limits
• Drivers under the age of 20 are expensive to insure, as much as $429 each month if they have full coverage
• Drivers with DUI or reckless driving convictions pay an average of $1,610 more every year to insure a Mazda 3