Mazda 3 Insurance Rates

The average insurance prices for a Mazda 3 are $1,148 every 12 months including full coverage. Comprehensive insurance costs approximately $198 a year, collision costs $328, and liability insurance is estimated at $464. Liability-only coverage costs approximately $514 a year, with high-risk coverage costing $2,486 or more. Teens cost the most to insure at $4,524 a year or more.

Average premium for full coverage: $1,148

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and 3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above highlight why it is important to get quotes using their specific location and their own driving history, rather than relying on averaged prices.

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

Additional Charts and Tables

The chart below breaks down estimated Mazda 3 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $681
• Choosing higher $1,000 deductibles can save $1,028 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,148
• Selecting low $100 deductibles for comp and collision coverage costs an extra $230 a year
• High-risk insureds with serious driving violations could pay around $2,486 or more
• Policy cost to insure a teen driver can cost $4,524 each year

View Chart as Image

Insurance rates for a Mazda 3 also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your 3.

Choosing higher comprehensive and collision insurance deductibles can save as much as $350 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $417 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $4,500 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 anywhere from $1,400 to $1,900 additional every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 136% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Mazda 3 insurance rates. A good driver about age 40 could pay as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,640 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes from as many companies as possible. Each auto insurer calculates rates differently, and rates will be varied.

Insurance Rates by Trim Level and Model Year

Rates assume 2014 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 Affordable Mazda 3 Insurance

Finding cheaper rates on Mazda 3 insurance takes being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to compare rates at least every other year by getting quotes from direct car insurance companies, and also from your local car insurance providers.

Below you'll find a brief review of the car insurance concepts covered above.

• High-risk drivers with DUI or reckless driving convictions could be charged and average of $1,340 more per year than a low-risk driver
• You may be able to save around $130 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $350 each year
• Drivers who purchase more liability protection will pay approximately $510 per year to raise limits from a 30/60 limit to a 250/500 level