Mazda 3 Insurance Rates

Estimated insurance prices for a Mazda 3 are $1,400 every 12 months including full coverage. Comprehensive insurance costs approximately $308 each year, collision costs $562, and liability insurance is estimated at $372. A policy with only liability insurance costs approximately $438 a year, with a high-risk policy costing $3,030 or more. Teens pay the most at $5,174 a year or more.

Average premium for full coverage: $1,400

Premium estimates by type of coverage:

Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and 3 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

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

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

These rate differences highlight why all drivers should 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 Rate Details

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

• The cheapest rate after discounts is $804
• Choosing higher $1,000 deductibles can save $196 every year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,400
• Selecting low deductibles for comp and collision coverage costs an extra $386 a year
• High-risk insureds with serious driving violations could pay around $3,030 or more
• An auto insurance policy to insure a teen driver can cost $5,174 each year

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Car insurance prices for a Mazda 3 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your 3.

Choosing higher comprehensive and collision insurance deductibles can save as much as $590 each year, whereas increasing liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $335 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $5,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,700 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 136% more than the average policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Mazda 3 insurance rates. A good driver about age 40 could pay as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,000 on average in Louisiana, New York, and Michigan.

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With such a large range in prices, the best way to figure out who has the best auto insurance prices is to do a rate comparison from as many companies as possible. Each auto insurer calculates prices differently, so rate quotes will be substantially different.

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 Shop for the Best Mazda 3 Insurance

Finding better rates on Mazda 3 insurance takes being safe and accident-free, maintaining a good credit score, refrain from filing small claims, and avoiding coverage lapses. Set aside time to compare rates every year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

Below you'll find a brief recap of the coverage data covered above.

• You may be able to save around $170 per year simply by quoting online in advance
• Increasing policy deductibles could save as much as $575 each year
• Youthful drivers pay the highest auto insurance prices, with the cost nearing $431 per month if the policy includes full coverage
• High-risk drivers who tend to receive serious violations could be charged and average of $1,630 more per year than a low-risk driver