Mazda 3 Insurance Rates
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UPDATED: Mar 15, 2023
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Estimated insurance prices for a Mazda 3 are $1,298 every 12 months with full coverage. Comprehensive costs an estimated $238, collision insurance costs $450, and liability coverage costs $452. Liability-only insurance costs as little as $504 a year, and high-risk driver insurance costs around $2,820. 16-year-old drivers pay the most at up to $4,998 a year.
Average premium for full coverage: $1,298
Premium estimates broken down by type of coverage:
These estimates include $500 deductible amounts, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and for all 3 models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Mazda 3 range from the cheapest price of $504 for just the minimum liability insurance to the much higher price of $2,820 for a high-risk driver policy.
Insurance Price Range by Location
Your location has a large influence on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than congested cities. The example below illustrates the difference between rural and urban areas on insurance prices.
These rate differences demonstrate why everyone should compare rates for a targeted area and their own driving history, rather than using rate 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.
Additional Rate Analysis
The chart below details average Mazda 3 insurance rates for other coverage scenarios.
- The best full coverage rate is $752
- Drivers who choose higher $1,000 deductibles will pay approximately $156 annually
- The average price for a 40-year-old good driver who has $500 deductibles is $1,298
- Buying pricier low deductibles for comprehensive and collision insurance increases the price to $1,602
- High-risk insureds with multiple tickets or accidents could pay up to $2,820
- An auto insurance policy to insure a teenage driver for full coverage can cost as much as $4,998 a year
Insurance prices for a Mazda 3 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.
Opting for high physical damage deductibles could save up to $460 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay at least $4,900 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out $1,600 to $2,200 additional annually, depending on your age. Mazda 3 insurance for high-risk drivers can cost around 44% to 137% more than the average rate. View High Risk Driver Rates
Where you choose to live makes a big difference in Mazda 3 insurance rates. A 40-year-old driver could pay as low as $940 a year in states like Utah, Ohio, and New Hampshire, or at least $1,750 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,174 | -$124 | -9.6% |
| Alaska | $994 | -$304 | -23.4% |
| Arizona | $1,076 | -$222 | -17.1% |
| Arkansas | $1,298 | -$0 | 0.0% |
| California | $1,478 | $180 | 13.9% |
| Colorado | $1,240 | -$58 | -4.5% |
| Connecticut | $1,336 | $38 | 2.9% |
| Delaware | $1,468 | $170 | 13.1% |
| Florida | $1,624 | $326 | 25.1% |
| Georgia | $1,198 | -$100 | -7.7% |
| Hawaii | $932 | -$366 | -28.2% |
| Idaho | $878 | -$420 | -32.4% |
| Illinois | $966 | -$332 | -25.6% |
| Indiana | $976 | -$322 | -24.8% |
| Iowa | $876 | -$422 | -32.5% |
| Kansas | $1,232 | -$66 | -5.1% |
| Kentucky | $1,772 | $474 | 36.5% |
| Louisiana | $1,922 | $624 | 48.1% |
| Maine | $802 | -$496 | -38.2% |
| Maryland | $1,068 | -$230 | -17.7% |
| Massachusetts | $1,038 | -$260 | -20.0% |
| Michigan | $2,254 | $956 | 73.7% |
| Minnesota | $1,086 | -$212 | -16.3% |
| Mississippi | $1,554 | $256 | 19.7% |
| Missouri | $1,150 | -$148 | -11.4% |
| Montana | $1,392 | $94 | 7.2% |
| Nebraska | $1,024 | -$274 | -21.1% |
| Nevada | $1,556 | $258 | 19.9% |
| New Hampshire | $936 | -$362 | -27.9% |
| New Jersey | $1,450 | $152 | 11.7% |
| New Mexico | $1,150 | -$148 | -11.4% |
| New York | $1,368 | $70 | 5.4% |
| North Carolina | $748 | -$550 | -42.4% |
| North Dakota | $1,064 | -$234 | -18.0% |
| Ohio | $896 | -$402 | -31.0% |
| Oklahoma | $1,332 | $34 | 2.6% |
| Oregon | $1,188 | -$110 | -8.5% |
| Pennsylvania | $1,238 | -$60 | -4.6% |
| Rhode Island | $1,732 | $434 | 33.4% |
| South Carolina | $1,176 | -$122 | -9.4% |
| South Dakota | $1,096 | -$202 | -15.6% |
| Tennessee | $1,136 | -$162 | -12.5% |
| Texas | $1,566 | $268 | 20.6% |
| Utah | $960 | -$338 | -26.0% |
| Vermont | $890 | -$408 | -31.4% |
| Virginia | $778 | -$520 | -40.1% |
| Washington | $1,002 | -$296 | -22.8% |
| West Virginia | $1,188 | -$110 | -8.5% |
| Wisconsin | $900 | -$398 | -30.7% |
| Wyoming | $1,156 | -$142 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda 3 I Sport 4-Dr Sedan | $1,228 | $102 |
| Mazda 3 I SV 4-Dr Sedan | $1,228 | $102 |
| Mazda 3 I Touring 4-Dr Sedan | $1,298 | $108 |
| Mazda 3 S Sport 4-Dr Hatchback | $1,334 | $111 |
| Mazda 3 S Sport 4-Dr Sedan | $1,334 | $111 |
| Mazda 3 S Grand Touring 4-Dr Hatchback | $1,370 | $114 |
| Mazda 3 S Grand Touring 4-Dr Sedan | $1,370 | $114 |
Rates assume 2017 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 |
|---|---|---|---|---|
| 2017 Mazda 3 | $238 | $450 | $452 | $1,298 |
| 2013 Mazda 3 | $198 | $328 | $464 | $1,148 |
| 2010 Mazda 3 | $174 | $258 | $478 | $1,068 |
| 2009 Mazda 3 | $162 | $236 | $474 | $1,030 |
| 2008 Mazda 3 | $152 | $214 | $474 | $998 |
| 2007 Mazda 3 | $148 | $192 | $468 | $966 |
| 2005 Mazda 3 | $144 | $178 | $452 | $932 |
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 Cheap Mazda 3 Insurance
Finding better rates on auto insurance not only requires having a good driving record, but also having above-average credit, being claim-free, and possibly raising deductibles. Set aside time to compare rates every time your policy renews by requesting quotes from direct companies, and also from your local independent and exclusive agents.
The next list is a brief summary of the information covered above.
- You may be able to save approximately $150 per year just by quoting online well ahead of the renewal date
- Drivers age 20 and younger are expensive to insure, possibly costing $417 per month if full coverage is included
- Increasing policy deductibles could save as much as $450 each year
- Drivers that tend to have accidents or serious violations may pay on average $1,520 more annually to buy Mazda 3 insurance
- Consumers who want increased levels of liability coverage will pay around $500 every year to go from 30/60 bodily injury limits to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,998 |
| 20 | $3,012 |
| 30 | $1,342 |
| 40 | $1,298 |
| 50 | $1,188 |
| 60 | $1,166 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,602 |
| $250 | $1,462 |
| $500 | $1,298 |
| $1,000 | $1,142 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,298 |
| 50/100 | $1,460 |
| 100/300 | $1,573 |
| 250/500 | $1,867 |
| 100 CSL | $1,506 |
| 300 CSL | $1,754 |
| 500 CSL | $1,935 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,112 |
| 20 | $4,800 |
| 30 | $2,870 |
| 40 | $2,820 |
| 50 | $2,696 |
| 60 | $2,674 |
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 | $68 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $57 |
| Advance Quote | $63 |
| Online Quote | $91 |
| Total Discounts | $546 |
Discounts are estimated and may not be available from every company or in every state.
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