Mazda 3 Insurance Rates
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UPDATED: Apr 23, 2024
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U.S. average auto insurance rates for a Mazda 3 are $1,400 annually with full coverage. Comprehensive insurance costs approximately $308, collision insurance costs $562, and liability coverage is $372. Liability-only coverage costs around $438 a year, and high-risk coverage costs $3,030 or more. Teen drivers pay the highest rates at up to $5,174 a year.
Average premium for full coverage: $1,400
Price estimates by individual coverage:
These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all 3 models.
Price Range from Low to High
For a driver in their 40's, Mazda 3 insurance prices range from as cheap as $438 for just liability coverage to the much higher price of $3,030 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city has a large influence on the price of insurance. Rural locations have fewer collision claims than larger metro areas. The example below illustrates how location helps determine auto insurance prices.
The ranges above demonstrate why everyone should compare rates quotes using their specific location and their own personal driving habits, rather than 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.
Detailed Rate Analysis
The chart below details average Mazda 3 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $804
- Raising to $1,000 deductibles will save $196 annually
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,400
- Choosing pricier low deductibles costs an additional $386 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay around $3,030
- The price with full coverage for a teenage driver for full coverage can cost $5,174
Auto insurance prices for a Mazda 3 are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,100 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,700 to $2,300 in extra premium each year, depending on your age. Mazda 3 insurance for high-risk drivers is expensive and can cost around 44% to 136% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $590 a year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $335 extra every year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Mazda 3 insurance rates. A middle-age driver might find prices as low as $1,010 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,890 on average in New York, Michigan, and Florida.
| 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 Buy Cheap Mazda 3 Insurance
Getting lower rates on auto insurance consists of avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Invest time comparing rates every time your policy renews by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The points below are a brief summary of the information covered in the charts and tables above.
- You may be able to save around $170 per year just by quoting online well ahead of the renewal date
- Drivers under the age of 20 have the highest car insurance prices, costing up to $431 a month if full coverage is included
- Increasing physical damage deductibles could save up to $575 each year
- Drivers that tend to have accidents or serious violations may pay on average $1,630 more per year to insure a Mazda 3
- Consumers who purchase increased liability limits will pay about $410 every year to raise from a low limit to higher 250/500 limits
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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