Mazda 3 Insurance Rates

The average insurance rates for a Mazda 3 are $1,384 a year for full coverage insurance. Comprehensive insurance costs approximately $294 each year, collision insurance costs $542, and liability is $390. Buying just liability costs around $452 a year, and insurance for high-risk drivers costs $2,992 or more. Teen drivers cost the most to insure at up to $5,148 a year.

Average premium for full coverage: $1,384

Policy rates by type of insurance:

These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and 3 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than larger metro areas. The graphic below illustrates how your location can change auto insurance prices.

The examples above illustrate why all drivers should compare rates quotes using their specific location, instead of using price averages.

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

Rate Comparisons

The chart below illustrates average Mazda 3 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $795
• Raising to $1,000 deductibles will save $190 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,384
• Choosing low deductibles will cost an additional $366 every year
• At-risk drivers with multiple violations and an at-fault accident could pay around $2,992
• Policy cost that insures a teen driver can cost $5,148

View Chart as Image

Insurance rates for a Mazda 3 also range considerably based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 129% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,100 a year. View Rates by Age

Your home state also has a big influence on Mazda 3 insurance prices. A middle-age driver might find rates as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,870 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles can reduce rates by up to $560 every year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheap Mazda 3 Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and violations, having above-average credit, being claim-free, and possibly raising deductibles. Shop around once a year by getting quotes from direct insurance companies, and also from your local car insurance providers.

The list below is a brief summary of the data that was illustrated above.

• It is possible to save around $170 per year just by quoting online in advance
• Policyholders who purchase higher liability limits will pay about $430 annually to raise from a 30/60 limit to the 250/500 level
• Teenagers are expensive to insure, possibly costing $429 each month if full coverage is included
• Higher risk drivers that tend to have accidents or serious violations could be charged and average of $1,610 more per year for car insurance