Mazda 3 Insurance Rates

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UPDATED: Jul 22, 2024

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The average insurance prices for a Mazda 3 are $1,384 every 12 months with full coverage. Comprehensive costs an estimated $294, collision insurance costs $542, and liability is $390. Buying just liability costs around $452 a year, and insurance for high-risk drivers costs around $2,992. 16-year-old drivers cost the most to insure at up to $5,148 a year.

Average premium for full coverage: $1,384

Policy rates broken down by type of insurance:

Comprehensive $294
Collision $542
Liability $390

Rate estimates include $500 deductible amounts, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all 3 models.

Price Range Variability

Using a middle-aged driver as an example, Mazda 3 insurance rates range from the cheapest price of $452 for basic liability insurance to the much higher price of $2,992 for high-risk insurance.

Liability Only $452
Full Coverage $1,384
High Risk $2,992

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. More rural locations are shown to have more infrequent collision claims than congested cities. The example below illustrates how where you live affects insurance prices.

Rural Areas $1,038
Small Cities $1,453
Large Cities $1,868

The examples above demonstrate why everyone should compare rates quotes for a targeted area and their own driving history, instead of making a decision based on 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.

Rate Comparisons

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

  • The best full coverage rate is $795
  • Raising to $1,000 deductibles will save approximately $190 annually
  • The average price for a good driver age 40 who has $500 deductibles is $1,384
  • Buying pricier low deductibles increases the price to $1,750
  • Drivers with multiple tickets or accidents could pay up to $2,992
  • Policy cost to insure a 16-year-old driver for full coverage can cost as much as $5,148

View Chart as Image

Mazda 3 insurance cost comparison chart
Column chart showing Mazda 3 insurance rates range from $795 to $5,148 for full coverage

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

Opting for high physical damage deductibles can reduce rates by up to $560 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay at least $5,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,600 to $2,200 extra every year, depending on your age. Mazda 3 insurance for high-risk drivers is expensive and can cost from 43% to 129% more than the average rate. View High Risk Driver Rates

Your home state also has a big influence on Mazda 3 insurance prices. A middle-age driver might find rates as low as $1,000 a year in states like Utah, Ohio, and New Hampshire, or at least $1,870 on average in New York, Michigan, and Florida.

Mazda 3 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,250 -$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%

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 $1,298 $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.

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

Finding cheaper rates on insurance for a Mazda 3 consists of having a good driving record, having good credit, not filing small claims, and deciding if full coverage is necessary. Take the time to comparison shop every couple of years by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

The next list is a brief recap of the material that was touched on in the above illustrations.

  • Insureds who want increased levels of liability coverage will pay around $430 every year to raise from a 30/60 limit to a 250/500 level
  • Drivers age 20 and younger are charged the highest rates, as much as $429 each month if they have full coverage
  • Drivers considered higher risk who tend to receive serious violations may pay on average $1,610 more annually to buy Mazda 3 insurance
  • Increasing comprehensive and collision deductibles could save as much as $550 each year

Rates by Driver Age

Mazda 3 Insurance 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

Mazda 3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,750
$250 $1,580
$500 $1,384
$1,000 $1,194

Full coverage, driver age 40

Rates by Liability Limit

Mazda 3 Insurance Rates with Different Liability Limits
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

Mazda 3 Insurance 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.

SR-22 Surcharge $193

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
Rate after discounts $795

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

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