Mazda 3 Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jul 22, 2024
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Estimated auto insurance rates for a Mazda 3 are $1,384 annually with full coverage. Comprehensive insurance costs on average $294, collision insurance costs $542, and liability costs around $390. A liability-only policy costs as low as $452 a year, and high-risk insurance costs $2,992 or more. Teenage drivers pay the most at up to $5,148 a year.
Average premium for full coverage: $1,384
Premium estimates by type of coverage:
Includes $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for different 3 trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Mazda 3 range from as cheap as $452 for liability-only coverage to a much higher rate of $2,992 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Where you live can make a big difference on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than densely populated cities. The price range example below illustrates the difference location can make on car insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on average rates.
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 Charts and Tables
The chart below details average Mazda 3 insurance rates for different risk profiles and scenarios.
- The best discount rate is $795
- Using higher $1,000 deductibles will save around $190 annually
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,384
- Using more expensive low deductibles for physical damage coverage costs an additional $366 annually
- High-risk insureds who are prone to accidents and violations could pay upwards of $2,992
- An auto insurance policy with full coverage for a 16-year-old driver with full coverage may cost $5,148 or more
Auto insurance prices for a Mazda 3 also have a wide range based on the model of your 3, your driving record, and policy deductibles and limits.
An older driver with a good driving record and high physical damage deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $5,100 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,600 to $2,200 in extra premium annually, depending on your age. High-risk driver insurance can be from 43% to 129% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $560 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $351 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Mazda 3 insurance prices. A driver around age 40 might see prices as low as $1,000 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,870 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,250 | -$134 | -9.7% |
| Alaska | $1,060 | -$324 | -23.4% |
| Arizona | $1,148 | -$236 | -17.1% |
| Arkansas | $1,384 | -$0 | 0.0% |
| California | $1,574 | $190 | 13.7% |
| Colorado | $1,320 | -$64 | -4.6% |
| Connecticut | $1,422 | $38 | 2.7% |
| Delaware | $1,566 | $182 | 13.2% |
| Florida | $1,730 | $346 | 25.0% |
| Georgia | $1,278 | -$106 | -7.7% |
| Hawaii | $992 | -$392 | -28.3% |
| Idaho | $934 | -$450 | -32.5% |
| Illinois | $1,030 | -$354 | -25.6% |
| Indiana | $1,042 | -$342 | -24.7% |
| Iowa | $934 | -$450 | -32.5% |
| Kansas | $1,314 | -$70 | -5.1% |
| Kentucky | $1,886 | $502 | 36.3% |
| Louisiana | $2,048 | $664 | 48.0% |
| Maine | $854 | -$530 | -38.3% |
| Maryland | $1,140 | -$244 | -17.6% |
| Massachusetts | $1,106 | -$278 | -20.1% |
| Michigan | $2,404 | $1,020 | 73.7% |
| Minnesota | $1,156 | -$228 | -16.5% |
| Mississippi | $1,656 | $272 | 19.7% |
| Missouri | $1,226 | -$158 | -11.4% |
| Montana | $1,486 | $102 | 7.4% |
| Nebraska | $1,092 | -$292 | -21.1% |
| Nevada | $1,658 | $274 | 19.8% |
| New Hampshire | $996 | -$388 | -28.0% |
| New Jersey | $1,546 | $162 | 11.7% |
| New Mexico | $1,226 | -$158 | -11.4% |
| New York | $1,458 | $74 | 5.3% |
| North Carolina | $796 | -$588 | -42.5% |
| North Dakota | $1,132 | -$252 | -18.2% |
| Ohio | $956 | -$428 | -30.9% |
| Oklahoma | $1,422 | $38 | 2.7% |
| Oregon | $1,268 | -$116 | -8.4% |
| Pennsylvania | $1,320 | -$64 | -4.6% |
| Rhode Island | $1,846 | $462 | 33.4% |
| South Carolina | $1,254 | -$130 | -9.4% |
| South Dakota | $1,166 | -$218 | -15.8% |
| Tennessee | $1,212 | -$172 | -12.4% |
| Texas | $1,668 | $284 | 20.5% |
| Utah | $1,024 | -$360 | -26.0% |
| Vermont | $946 | -$438 | -31.6% |
| Virginia | $828 | -$556 | -40.2% |
| Washington | $1,068 | -$316 | -22.8% |
| West Virginia | $1,268 | -$116 | -8.4% |
| Wisconsin | $958 | -$426 | -30.8% |
| Wyoming | $1,234 | -$150 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda 3 I Sport 4-Dr Sedan | $1,298 | $108 |
| Mazda 3 I SV 4-Dr Sedan | $1,298 | $108 |
| Mazda 3 I Touring 4-Dr Sedan | $1,384 | $115 |
| Mazda 3 S Sport 4-Dr Hatchback | $1,424 | $119 |
| Mazda 3 S Sport 4-Dr Sedan | $1,424 | $119 |
| Mazda 3 S Grand Touring 4-Dr Hatchback | $1,468 | $122 |
| Mazda 3 S Grand Touring 4-Dr Sedan | $1,468 | $122 |
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 | $294 | $542 | $390 | $1,384 |
| 2023 Mazda 3 | $282 | $536 | $398 | $1,374 |
| 2022 Mazda 3 | $272 | $524 | $416 | $1,370 |
| 2021 Mazda 3 | $262 | $502 | $430 | $1,352 |
| 2020 Mazda 3 | $248 | $484 | $442 | $1,332 |
| 2019 Mazda 3 | $238 | $450 | $452 | $1,298 |
| 2018 Mazda 3 | $230 | $424 | $456 | $1,268 |
| 2017 Mazda 3 | $220 | $380 | $460 | $1,218 |
| 2016 Mazda 3 | $206 | $350 | $460 | $1,174 |
| 2015 Mazda 3 | $198 | $328 | $464 | $1,148 |
| 2014 Mazda 3 | $194 | $306 | $474 | $1,132 |
| 2013 Mazda 3 | $180 | $284 | $474 | $1,096 |
| 2012 Mazda 3 | $174 | $258 | $478 | $1,068 |
| 2011 Mazda 3 | $162 | $236 | $474 | $1,030 |
| 2010 Mazda 3 | $152 | $214 | $474 | $998 |
| 2009 Mazda 3 | $148 | $192 | $468 | $966 |
| 2008 Mazda 3 | $146 | $188 | $460 | $952 |
| 2007 Mazda 3 | $144 | $178 | $452 | $932 |
| 2005 Mazda 3 | $126 | $162 | $442 | $888 |
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 Cheapest Mazda 3 Insurance
Finding better rates on insurance for a Mazda 3 requires having a good driving record, having above-average credit, being claim-free, and deciding if full coverage is necessary. Make time to compare rates every other policy renewal by getting quotes from direct companies, and also from local independent and exclusive agents.
The next list is a recap of the ideas that were touched on in this article.
- Drivers age 20 and younger are charged the highest prices, possibly costing $429 per month if full coverage is included
- Drivers considered higher risk that have major violations or accidents pay an average of $1,610 more each year to buy Mazda 3 insurance
- Increasing policy deductibles could save up to $550 each year
- You may be able to save as much as $170 per year just by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,148 |
| 20 | $3,196 |
| 30 | $1,442 |
| 40 | $1,384 |
| 50 | $1,264 |
| 60 | $1,238 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,750 |
| $250 | $1,580 |
| $500 | $1,384 |
| $1,000 | $1,194 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,384 |
| 50/100 | $1,546 |
| 100/300 | $1,644 |
| 250/500 | $1,897 |
| 100 CSL | $1,585 |
| 300 CSL | $1,800 |
| 500 CSL | $1,956 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,348 |
| 20 | $5,084 |
| 30 | $3,058 |
| 40 | $2,992 |
| 50 | $2,854 |
| 60 | $2,830 |
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 | $74 |
| Multi-vehicle | $72 |
| Homeowner | $20 |
| 5-yr Accident Free | $103 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $64 |
| Advance Quote | $69 |
| Online Quote | $98 |
| Total Discounts | $589 |
Discounts are estimated and may not be available from every company or in every state.
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