Mazda 3 Insurance Rates
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UPDATED: Apr 23, 2024
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Estimated insurance prices for a Mazda 3 are $1,400 every 12 months for full coverage insurance. Comprehensive costs an estimated $308 a year, collision insurance costs $562, and liability is estimated at $372. Liability-only coverage costs approximately $438 a year, and high-risk coverage costs around $3,030. Teen drivers pay the most at up to $5,174 a year.
Average premium for full coverage: $1,400
Premium estimates broken down by type of coverage:
Prices include $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and 3 trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Mazda 3 range from the cheapest price of $438 for just liability insurance to a high of $3,030 for a high-risk driver policy.
Insurance Price Range by Location
Living in a larger city can have significant affects on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than larger metro areas. The diagram below illustrates how rural and urban location affects insurance prices.
These rate differences illustrate why it is important to get quotes for a targeted area and their own driving history, instead of using price averages.
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 other coverage scenarios.
- The lowest rate with discounts is $804
- Choosing higher $1,000 deductibles can save approximately $1,204 each year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,400
- Choosing low $100 deductibles for comp and collision coverage increases the price to $1,786
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $3,030
- An auto insurance policy to insure a teen driver can cost as much as $5,174 each year
Insurance prices for a Mazda 3 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.
Choosing high deductibles can save as much as $590 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $335 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay at least $5,100 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying $1,700 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 136% more than average. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Mazda 3 insurance prices. A good driver about age 40 could pay as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,890 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,266 | -$134 | -9.6% |
| Alaska | $1,076 | -$324 | -23.1% |
| Arizona | $1,164 | -$236 | -16.9% |
| Arkansas | $1,400 | -$0 | 0.0% |
| California | $1,596 | $196 | 14.0% |
| Colorado | $1,340 | -$60 | -4.3% |
| Connecticut | $1,440 | $40 | 2.9% |
| Delaware | $1,586 | $186 | 13.3% |
| Florida | $1,754 | $354 | 25.3% |
| Georgia | $1,294 | -$106 | -7.6% |
| Hawaii | $1,008 | -$392 | -28.0% |
| Idaho | $948 | -$452 | -32.3% |
| Illinois | $1,046 | -$354 | -25.3% |
| Indiana | $1,054 | -$346 | -24.7% |
| Iowa | $946 | -$454 | -32.4% |
| Kansas | $1,332 | -$68 | -4.9% |
| Kentucky | $1,912 | $512 | 36.6% |
| Louisiana | $2,076 | $676 | 48.3% |
| Maine | $866 | -$534 | -38.1% |
| Maryland | $1,156 | -$244 | -17.4% |
| Massachusetts | $1,122 | -$278 | -19.9% |
| Michigan | $2,434 | $1,034 | 73.9% |
| Minnesota | $1,174 | -$226 | -16.1% |
| Mississippi | $1,678 | $278 | 19.9% |
| Missouri | $1,244 | -$156 | -11.1% |
| Montana | $1,504 | $104 | 7.4% |
| Nebraska | $1,106 | -$294 | -21.0% |
| Nevada | $1,680 | $280 | 20.0% |
| New Hampshire | $1,010 | -$390 | -27.9% |
| New Jersey | $1,566 | $166 | 11.9% |
| New Mexico | $1,240 | -$160 | -11.4% |
| New York | $1,476 | $76 | 5.4% |
| North Carolina | $808 | -$592 | -42.3% |
| North Dakota | $1,146 | -$254 | -18.1% |
| Ohio | $966 | -$434 | -31.0% |
| Oklahoma | $1,440 | $40 | 2.9% |
| Oregon | $1,284 | -$116 | -8.3% |
| Pennsylvania | $1,338 | -$62 | -4.4% |
| Rhode Island | $1,868 | $468 | 33.4% |
| South Carolina | $1,270 | -$130 | -9.3% |
| South Dakota | $1,182 | -$218 | -15.6% |
| Tennessee | $1,228 | -$172 | -12.3% |
| Texas | $1,688 | $288 | 20.6% |
| Utah | $1,038 | -$362 | -25.9% |
| Vermont | $958 | -$442 | -31.6% |
| Virginia | $840 | -$560 | -40.0% |
| Washington | $1,084 | -$316 | -22.6% |
| West Virginia | $1,284 | -$116 | -8.3% |
| Wisconsin | $972 | -$428 | -30.6% |
| Wyoming | $1,250 | -$150 | -10.7% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda 3 I Sport 4-Dr Sedan | $1,310 | $109 |
| Mazda 3 I SV 4-Dr Sedan | $1,310 | $109 |
| Mazda 3 I Touring 4-Dr Sedan | $1,400 | $117 |
| Mazda 3 S Sport 4-Dr Hatchback | $1,446 | $121 |
| Mazda 3 S Sport 4-Dr Sedan | $1,446 | $121 |
| Mazda 3 S Grand Touring 4-Dr Hatchback | $1,492 | $124 |
| Mazda 3 S Grand Touring 4-Dr Sedan | $1,492 | $124 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Mazda 3 | $308 | $562 | $372 | $1,400 |
| 2023 Mazda 3 | $294 | $542 | $390 | $1,384 |
| 2022 Mazda 3 | $282 | $536 | $398 | $1,374 |
| 2021 Mazda 3 | $272 | $524 | $416 | $1,370 |
| 2020 Mazda 3 | $262 | $502 | $430 | $1,352 |
| 2019 Mazda 3 | $248 | $484 | $442 | $1,332 |
| 2018 Mazda 3 | $238 | $450 | $452 | $1,298 |
| 2017 Mazda 3 | $230 | $424 | $456 | $1,268 |
| 2016 Mazda 3 | $220 | $380 | $460 | $1,218 |
| 2015 Mazda 3 | $206 | $350 | $460 | $1,174 |
| 2014 Mazda 3 | $198 | $328 | $464 | $1,148 |
| 2013 Mazda 3 | $194 | $306 | $474 | $1,132 |
| 2012 Mazda 3 | $180 | $284 | $474 | $1,096 |
| 2011 Mazda 3 | $174 | $258 | $478 | $1,068 |
| 2010 Mazda 3 | $162 | $236 | $474 | $1,030 |
| 2009 Mazda 3 | $152 | $214 | $474 | $998 |
| 2008 Mazda 3 | $148 | $192 | $468 | $966 |
| 2007 Mazda 3 | $146 | $188 | $460 | $952 |
| 2005 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 Shop for the Right Mazda 3 Insurance
Finding better rates on car insurance takes being safe and accident-free, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Set aside time to shop around every time your policy renews by quoting rates from direct insurance companies, and also from insurance agencies where you live.
Below you'll find a quick rundown of the information raised in the charts and tables above.
- It is possible to save approximately $170 per year just by quoting early and online
- Youthful drivers are charged the highest prices, with premiums being up to $431 per month if they have full coverage
- Increasing policy deductibles could save as much as $575 each year
- Higher risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,630 more annually than a low-risk driver
- Policyholders who want more liability protection will pay about $410 annually to raise limits from 30/60 bodily injury limits to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,174 |
| 20 | $3,236 |
| 30 | $1,466 |
| 40 | $1,400 |
| 50 | $1,280 |
| 60 | $1,254 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,786 |
| $250 | $1,606 |
| $500 | $1,400 |
| $1,000 | $1,204 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,400 |
| 50/100 | $1,566 |
| 100/300 | $1,659 |
| 250/500 | $1,901 |
| 100 CSL | $1,604 |
| 300 CSL | $1,808 |
| 500 CSL | $1,957 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,388 |
| 20 | $5,140 |
| 30 | $3,098 |
| 40 | $3,030 |
| 50 | $2,888 |
| 60 | $2,862 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $75 |
| Multi-vehicle | $72 |
| Homeowner | $20 |
| 5-yr Accident Free | $105 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $65 |
| Advance Quote | $70 |
| Online Quote | $99 |
| Total Discounts | $596 |
Discounts are estimated and may not be available from every company or in every state.
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