Mazda 3 Insurance Rates

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:

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

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.

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.

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

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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.

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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

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 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