Mazda 3 Insurance Rates
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UPDATED: Apr 23, 2024
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The average insurance prices for a Mazda 3 are $1,384 every 12 months including full coverage. Comprehensive costs around $294 each year, collision insurance costs $542, and liability is $390. Buying just liability costs around $452 a year, and insurance for high-risk drivers costs around $2,992. Teenage drivers cost the most to insure at up to $5,148 a year.
Average premium for full coverage: $1,384
Policy rates for type of insurance:
Rates are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and 3 models.
Price Range Variability
For a driver in their 40's, Mazda 3 insurance rates range from the cheapest price of $452 for just the minimum liability insurance to a high rate of $2,992 for a high-risk driver policy.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance rates.
The examples above highlight why all drivers should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based 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 Rate Analysis
The chart below breaks down average Mazda 3 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $795
- Raising to $1,000 deductibles will save about $190 every year
- The average price for a good driver age 40 using $500 deductibles is $1,384
- Using low deductibles increases the price to $1,750
- Drivers who are prone to accidents and violations could pay at least $2,992
- Policy cost to insure a 16-year-old driver can be $5,148
Insurance rates for a Mazda 3 also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.
Using high physical damage deductibles can reduce rates by up to $560 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay as much as $5,100 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 129% more than a normal policy. View High Risk Driver Rates
Your home state also has a big influence on Mazda 3 insurance prices. A middle-age driver might find rates as low as $1,060 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,970 on average in Michigan, New York, and Louisiana.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,250 | -$134 | -9.7% |
Alaska | $1,060 | -$324 | -23.4% |
Arizona | $1,148 | -$236 | -17.1% |
Arkansas | $1,384 | -$0 | 0.0% |
California | $1,574 | $190 | 13.7% |
Colorado | $1,320 | -$64 | -4.6% |
Connecticut | $1,422 | $38 | 2.7% |
Delaware | $1,566 | $182 | 13.2% |
Florida | $1,730 | $346 | 25.0% |
Georgia | $1,278 | -$106 | -7.7% |
Hawaii | $992 | -$392 | -28.3% |
Idaho | $934 | -$450 | -32.5% |
Illinois | $1,030 | -$354 | -25.6% |
Indiana | $1,042 | -$342 | -24.7% |
Iowa | $934 | -$450 | -32.5% |
Kansas | $1,314 | -$70 | -5.1% |
Kentucky | $1,886 | $502 | 36.3% |
Louisiana | $2,048 | $664 | 48.0% |
Maine | $854 | -$530 | -38.3% |
Maryland | $1,140 | -$244 | -17.6% |
Massachusetts | $1,106 | -$278 | -20.1% |
Michigan | $2,404 | $1,020 | 73.7% |
Minnesota | $1,156 | -$228 | -16.5% |
Mississippi | $1,656 | $272 | 19.7% |
Missouri | $1,226 | -$158 | -11.4% |
Montana | $1,486 | $102 | 7.4% |
Nebraska | $1,092 | -$292 | -21.1% |
Nevada | $1,658 | $274 | 19.8% |
New Hampshire | $996 | -$388 | -28.0% |
New Jersey | $1,546 | $162 | 11.7% |
New Mexico | $1,226 | -$158 | -11.4% |
New York | $1,458 | $74 | 5.3% |
North Carolina | $796 | -$588 | -42.5% |
North Dakota | $1,132 | -$252 | -18.2% |
Ohio | $956 | -$428 | -30.9% |
Oklahoma | $1,422 | $38 | 2.7% |
Oregon | $1,268 | -$116 | -8.4% |
Pennsylvania | $1,320 | -$64 | -4.6% |
Rhode Island | $1,846 | $462 | 33.4% |
South Carolina | $1,254 | -$130 | -9.4% |
South Dakota | $1,166 | -$218 | -15.8% |
Tennessee | $1,212 | -$172 | -12.4% |
Texas | $1,668 | $284 | 20.5% |
Utah | $1,024 | -$360 | -26.0% |
Vermont | $946 | -$438 | -31.6% |
Virginia | $828 | -$556 | -40.2% |
Washington | $1,068 | -$316 | -22.8% |
West Virginia | $1,268 | -$116 | -8.4% |
Wisconsin | $958 | -$426 | -30.8% |
Wyoming | $1,234 | -$150 | -10.8% |
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Mazda 3 I Sport 4-Dr Sedan | $1,298 | $108 |
Mazda 3 I SV 4-Dr Sedan | $1,298 | $108 |
Mazda 3 I Touring 4-Dr Sedan | $1,384 | $115 |
Mazda 3 S Sport 4-Dr Hatchback | $1,424 | $119 |
Mazda 3 S Sport 4-Dr Sedan | $1,424 | $119 |
Mazda 3 S Grand Touring 4-Dr Hatchback | $1,468 | $122 |
Mazda 3 S Grand Touring 4-Dr Sedan | $1,468 | $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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 Mazda 3 | $294 | $542 | $390 | $1,384 |
2023 Mazda 3 | $282 | $536 | $398 | $1,374 |
2022 Mazda 3 | $272 | $524 | $416 | $1,370 |
2021 Mazda 3 | $262 | $502 | $430 | $1,352 |
2020 Mazda 3 | $248 | $484 | $442 | $1,332 |
2019 Mazda 3 | $238 | $450 | $452 | $1,298 |
2018 Mazda 3 | $230 | $424 | $456 | $1,268 |
2017 Mazda 3 | $220 | $380 | $460 | $1,218 |
2016 Mazda 3 | $206 | $350 | $460 | $1,174 |
2015 Mazda 3 | $198 | $328 | $464 | $1,148 |
2014 Mazda 3 | $194 | $306 | $474 | $1,132 |
2013 Mazda 3 | $180 | $284 | $474 | $1,096 |
2012 Mazda 3 | $174 | $258 | $478 | $1,068 |
2011 Mazda 3 | $162 | $236 | $474 | $1,030 |
2010 Mazda 3 | $152 | $214 | $474 | $998 |
2009 Mazda 3 | $148 | $192 | $468 | $966 |
2008 Mazda 3 | $146 | $188 | $460 | $952 |
2007 Mazda 3 | $144 | $178 | $452 | $932 |
2005 Mazda 3 | $126 | $162 | $442 | $888 |
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 Best Cheap Mazda 3 Insurance
Finding cheaper rates on insurance for a Mazda 3 consists of avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Invest time comparing rates every time your policy renews by quoting rates from direct car insurance companies, and also from insurance agencies where you live.
The list below is a quick review of the information covered in the charts and tables above.
- You may be able to save up to $170 per year just by quoting online in advance
- Teenagers pay higher rates, with premiums being up to $429 each month if they have full coverage
- Increasing comprehensive and collision deductibles could save as much as $550 each year
- Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,610 more every year for car insurance
- Insureds who may need higher liability limits will pay an extra $430 per year to raise from a 30/60 limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,148 |
20 | $3,196 |
30 | $1,442 |
40 | $1,384 |
50 | $1,264 |
60 | $1,238 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,750 |
$250 | $1,580 |
$500 | $1,384 |
$1,000 | $1,194 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,384 |
50/100 | $1,546 |
100/300 | $1,644 |
250/500 | $1,897 |
100 CSL | $1,585 |
300 CSL | $1,800 |
500 CSL | $1,956 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,348 |
20 | $5,084 |
30 | $3,058 |
40 | $2,992 |
50 | $2,854 |
60 | $2,830 |
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 | $74 |
Multi-vehicle | $72 |
Homeowner | $20 |
5-yr Accident Free | $103 |
5-yr Claim Free | $89 |
Paid in Full/EFT | $64 |
Advance Quote | $69 |
Online Quote | $98 |
Total Discounts | $589 |
Discounts are estimated and may not be available from every company or in every state.
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