Mazda 3 Insurance Rates

The average insurance prices for a Mazda 3 are $1,374 every 12 months for full coverage insurance. Comprehensive insurance costs on average $282 a year, collision costs $536, and liability insurance costs $398. A liability-only policy costs as little as $460 a year, with high-risk insurance costing $2,982 or more. Teenage drivers cost the most to insure at $5,156 a year or more.

Average premium for full coverage: $1,374

Policy rates by type of insurance:

Prices include $500 deductible amounts, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and 3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. Rural areas are shown to have more infrequent physical damage claims than densely populated cities.

The diagram below illustrates how geographic area affects car insurance rates.

The examples above illustrate why it is important to compare rates based on a specific location and their own driving history, rather than relying on average rates.

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

Additional Rate Details

The chart below illustrates estimated Mazda 3 insurance rates for different risk profiles and scenarios.

• The best discount rate is $790
• Drivers who choose higher $1,000 deductibles will pay around $1,188 each year
• The average price for a good driver age 40 with $500 deductibles is $1,374
• Using low $100 deductibles for comprehensive and collision insurance costs an extra $362 a year
• High risk drivers who are prone to accidents and violations could pay upwards of $2,982 or more
• Policy cost to insure a teen driver may cost $5,156 a year

View Chart as Image

Car insurance rates for a Mazda 3 also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your 3.

Using high physical damage deductibles could save up to $550 each year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards of $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 probably paying at a minimum $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Mazda 3 insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,860 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different method to calculate rates, so rate quotes will be varied.

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 Shop for the Right Mazda 3 Insurance

Finding cheaper rates on Mazda 3 insurance not only requires having a good driving record, but also maintaining a good credit score, being claim-free, and maximizing policy discounts. Invest the time to compare rates once a year by requesting rates from direct insurance companies, and also from several local insurance agents.

The next list is a quick rundown of the data that was presented in the illustrations above.

• It is possible to save as much as $170 per year simply by quoting early and online
• Drivers who require increased levels of liability coverage will pay an extra $440 annually to go from a 30/60 limit to a 250/500 level
• Drivers age 20 and younger are expensive to insure, possibly costing $430 each month if the policy includes full coverage
• High-risk drivers with reckless driving or DUI convictions pay on average $1,610 more each year to buy Mazda 3 insurance