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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Average insurance rates for a Mazda 3 are $1,384 a year for full coverage insurance. Comprehensive costs an estimated $294 a year, collision insurance costs $542, and liability coverage is $390. Liability-only coverage costs around $452 a year, and high-risk coverage costs around $2,992. 16-year-old drivers receive the highest rates at up to $5,148 a year.
Average premium for full coverage: $1,384
Rate estimates broken down by individual coverage type:
These estimates include $500 deductible amounts, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and 3 trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range range from the low end price of $452 for liability-only coverage to a high of $2,992 for a driver required to buy high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than congested cities. The diagram below illustrates how geographic area affects insurance prices.
These examples illustrate why it is important to compare rates quotes for a targeted area, 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 Charts and Tables
The chart below illustrates average Mazda 3 insurance rates for other coverage scenarios.
- The best full coverage rate is $795
- Raising to $1,000 deductibles will save approximately $1,194 each year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,384
- Buying low $100 deductibles bumps up the cost to $1,750
- Unlucky drivers with multiple tickets or accidents could pay up to $2,992
- The cost that insures a teenage driver can cost as much as $5,148
Car insurance rates for a Mazda 3 can also vary considerably based on the trim level of your 3, your age and driving record, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you are probably paying $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 129% more than the average rate. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged at least $5,100 a year. View Rates by Age
Where you live also has a big influence on Mazda 3 insurance rates. A middle-age driver might find rates as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,870 on average in Florida, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles can reduce rates by up to $560 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit
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 Find Cheap Mazda 3 Insurance
Saving money on auto insurance consists of having a good driving record, having a positive credit history, avoid buying unnecessary coverage, and possibly higher deductibles. Comparison shop at every policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The next list is a brief summary of the data presented in the illustrations above.
- Consumers who want increased levels of liability coverage will pay around $430 annually to raise from a minimum limit to the 250/500 level
- It is possible to save approximately $170 per year just by quoting early and online
- Increasing deductibles can save approximately $550 each year
- Drivers age 20 and younger have the highest car insurance rates, costing up to $429 per month if full coverage is purchased
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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