Mazda 3 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 23, 2024

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Average auto insurance rates for a Mazda 3 are $1,400 annually with full coverage. Comprehensive insurance costs an estimated $308, collision insurance costs $562, and liability is estimated at $372. Liability-only coverage costs approximately $438 a year, and high-risk coverage costs $3,030 or more. 16-year-old drivers receive the highest rates at up to $5,174 a year.

Average premium for full coverage: $1,400

Rate estimates broken down by individual coverage type:

Comprehensive $308
Collision $562
Liability $372

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for all 3 models.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as cheap as $438 for minimum levels of liability insurance to the much higher price of $3,030 for a high-risk driver policy.

Liability Only $438
Full Coverage $1,400
High Risk $3,030

Price Range by Location

Living in a larger city can have significant affects on car insurance rates. More rural locations tend to have fewer collision claims than congested cities. The example below illustrates how your location can change insurance prices.

Rural Areas $1,050
Small Cities $1,470
Large Cities $1,890

These examples demonstrate why everyone should get quotes for a targeted area and their own personal driving habits, instead of 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 Details

The chart below details average Mazda 3 insurance rates for other coverage scenarios.

  • The best full coverage rate is $804
  • Choosing higher $1,000 deductibles can save approximately $196 annually
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,400
  • Buying pricier low deductibles for comp and collision coverage costs an additional $386 every year
  • Unlucky drivers with multiple tickets or accidents could pay up to $3,030
  • The cost with full coverage for a teen driver for full coverage can cost as much as $5,174 each year

View Chart as Image

Mazda 3 insurance cost comparison chart
Column chart showing Mazda 3 insurance prices range from $804 to $5,174 for full coverage

Car insurance rates for a Mazda 3 can also vary considerably based on the trim level of your 3, your driving record, and liability limits and deductibles.

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged at least $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out $1,700 to $2,300 extra per year, depending on your age. Mazda 3 insurance for high-risk drivers ranges as much as 44% to 136% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $590 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Mazda 3 insurance prices. A good driver about age 40 could pay as low as $1,010 a year in states like Utah, Ohio, and New Hampshire, or at least $1,890 on average in New York, Michigan, and Florida.

Mazda 3 Insurance Rates by State
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%

View Chart as Image

Mazda 3 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Mazda 3 Insurance Rates by Model and Trim Level
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.

Mazda 3 Insurance Rates by Model Year
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 the Best Mazda 3 Insurance

Saving money on car insurance takes being safe and accident-free, having a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Invest the time to shop around every time your policy renews by getting rate quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

Below you'll find a brief recap of the information illustrated above.

  • You may be able to save approximately $170 per year just by quoting online well ahead of the renewal date
  • Youthful drivers have the highest car insurance rates, with premiums as much as $431 per month if comprehensive and collision insurance is included
  • Increasing deductibles could save up to $575 each year
  • Higher risk drivers who tend to receive serious violations pay on average $1,630 more annually than a low-risk driver
  • Policyholders who want more liability protection will pay around $410 every year to raise limits from a minimum limit to higher 250/500 limits

Rates by Driver Age

Mazda 3 Insurance 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

Mazda 3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,786
$250 $1,606
$500 $1,400
$1,000 $1,204

Full coverage, driver age 40

Rates by Liability Limit

Mazda 3 Insurance Rates with Different Liability Limits
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

Mazda 3 Insurance 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.

SR-22 Surcharge $194

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
Rate after discounts $804

Discounts are estimated and may not be available from every company or in every state.

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