Mazda 3 Insurance Rates

U.S. average auto insurance rates for a Mazda 3 are $1,374 annually for full coverage insurance. Comprehensive insurance costs approximately $282 each year, collision insurance costs $536, and liability insurance costs $398. A policy with just liability insurance costs as little as $460 a year, and coverage for high-risk drivers costs $2,982 or more. Teenage drivers pay the highest rates at up to $5,156 a year.

Average premium for full coverage: $1,374

Price estimates by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of auto insurance. Rural locations have fewer physical damage claims than densely populated cities. The graphic below illustrates how your location can change auto insurance prices.

The ranges above illustrate why all drivers should compare rates using their specific location and their own personal driving habits, rather than relying on average rates.

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 best discount rate is $790
• Drivers who choose higher $1,000 deductibles will pay $186 each year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,374
• Using low deductibles for comprehensive and collision insurance costs an additional $362 a year
• High risk drivers who are prone to accidents and violations could pay around $2,982
• The price with full coverage for a teen driver can cost $5,156 a year

View Chart as Image

Insurance prices for a Mazda 3 are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $550 each year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Mazda 3 insurance rates. A 40-year-old driver could pay as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,860 on average in Florida, New York, and Michigan.

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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 Buy Cheap Mazda 3 Insurance

Getting lower rates on Mazda 3 insurance not only requires having a decent driving record, but also having a good credit history, not filing small claims, and possibly raising deductibles. Invest the time to shop around every time your policy renews by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following items are a brief summary of the information illustrated above.

• It is possible to save around $170 per year just by quoting online in advance
• 16 to 18-year-old drivers are expensive to insure, as much as $430 a month including comprehensive and collision insurance
• Increasing physical damage deductibles could save up to $550 each year
• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,610 more per year than a driver with a clean driving record
• Drivers who purchase additional liability coverage will pay an extra $440 annually to go from a low limit to higher 250/500 limits