Mazda CX-3 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 2, 2024
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Average auto insurance rates for a Mazda CX-3 are $1,220 annually with full coverage. Comprehensive insurance costs around $230, collision insurance costs $376, and liability coverage costs $456. Liability-only coverage costs as little as $508 a year, and high-risk coverage costs $2,636 or more. Teenage drivers receive the highest rates at up to $4,720 a year.
Average premium for full coverage: $1,220
Rate estimates for individual coverage type:
These estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for all CX-3 models.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from as cheap as $508 for just liability coverage to the much higher price of $2,636 for a driver that may need high-risk insurance.
Price Range by Location
Your location has a large influence on insurance rates. Areas with sparse population tend to have fewer collision claims than densely populated cities. The example below illustrates the difference between rural and urban areas on auto insurance rates.
These examples demonstrate why everyone should compare rates for a specific zip code and their own personal driving habits, rather than using average rates.
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.
Detailed Rate Analysis
The chart below details average Mazda CX-3 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $717
- Drivers who choose higher $1,000 deductibles will pay about $138 annually
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,220
- Using pricier low deductibles for comprehensive and collision insurance costs an additional $266 each year
- High-risk insureds who are prone to accidents and violations could pay at least $2,636
- The cost with full coverage for a teenage driver for full coverage can be $4,720 a year
Car insurance rates for a Mazda CX-3 can also vary considerably based on the trim level of your CX-3, your driving record, and deductibles and policy limits.
A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged as much as $4,700 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at least $1,500 to $2,000 extra per year, depending on your age. Mazda CX-3 insurance for high-risk drivers can cost around 42% to 137% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $410 a year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Mazda CX-3 insurance rates. A 40-year-old driver could pay as low as $880 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,650 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,104 | -$116 | -9.5% |
| Alaska | $936 | -$284 | -23.3% |
| Arizona | $1,012 | -$208 | -17.0% |
| Arkansas | $1,220 | -$0 | 0.0% |
| California | $1,392 | $172 | 14.1% |
| Colorado | $1,166 | -$54 | -4.4% |
| Connecticut | $1,254 | $34 | 2.8% |
| Delaware | $1,382 | $162 | 13.3% |
| Florida | $1,526 | $306 | 25.1% |
| Georgia | $1,126 | -$94 | -7.7% |
| Hawaii | $876 | -$344 | -28.2% |
| Idaho | $824 | -$396 | -32.5% |
| Illinois | $908 | -$312 | -25.6% |
| Indiana | $918 | -$302 | -24.8% |
| Iowa | $822 | -$398 | -32.6% |
| Kansas | $1,160 | -$60 | -4.9% |
| Kentucky | $1,664 | $444 | 36.4% |
| Louisiana | $1,806 | $586 | 48.0% |
| Maine | $754 | -$466 | -38.2% |
| Maryland | $1,006 | -$214 | -17.5% |
| Massachusetts | $976 | -$244 | -20.0% |
| Michigan | $2,120 | $900 | 73.8% |
| Minnesota | $1,022 | -$198 | -16.2% |
| Mississippi | $1,460 | $240 | 19.7% |
| Missouri | $1,082 | -$138 | -11.3% |
| Montana | $1,310 | $90 | 7.4% |
| Nebraska | $960 | -$260 | -21.3% |
| Nevada | $1,462 | $242 | 19.8% |
| New Hampshire | $880 | -$340 | -27.9% |
| New Jersey | $1,362 | $142 | 11.6% |
| New Mexico | $1,080 | -$140 | -11.5% |
| New York | $1,286 | $66 | 5.4% |
| North Carolina | $702 | -$518 | -42.5% |
| North Dakota | $998 | -$222 | -18.2% |
| Ohio | $842 | -$378 | -31.0% |
| Oklahoma | $1,254 | $34 | 2.8% |
| Oregon | $1,116 | -$104 | -8.5% |
| Pennsylvania | $1,162 | -$58 | -4.8% |
| Rhode Island | $1,628 | $408 | 33.4% |
| South Carolina | $1,104 | -$116 | -9.5% |
| South Dakota | $1,030 | -$190 | -15.6% |
| Tennessee | $1,068 | -$152 | -12.5% |
| Texas | $1,470 | $250 | 20.5% |
| Utah | $904 | -$316 | -25.9% |
| Vermont | $836 | -$384 | -31.5% |
| Virginia | $732 | -$488 | -40.0% |
| Washington | $942 | -$278 | -22.8% |
| West Virginia | $1,118 | -$102 | -8.4% |
| Wisconsin | $844 | -$376 | -30.8% |
| Wyoming | $1,088 | -$132 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Mazda CX-3 | $262 | $446 | $430 | $1,296 |
| 2020 Mazda CX-3 | $248 | $430 | $442 | $1,278 |
| 2019 Mazda CX-3 | $238 | $400 | $452 | $1,248 |
| 2018 Mazda CX-3 | $230 | $376 | $456 | $1,220 |
| 2017 Mazda CX-3 | $220 | $338 | $460 | $1,176 |
| 2016 Mazda CX-3 | $206 | $310 | $460 | $1,134 |
Rates are averaged for all Mazda CX-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 Buy Cheap Mazda CX-3 Insurance
Saving money on auto insurance not only requires being safe and accident-free, but also having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Set aside time to compare rates once a year by getting rate quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
Below you'll find a brief summary of the data that was covered above.
- You may be able to save up to $140 per year just by quoting online well ahead of the renewal date
- Consumers who may need more liability protection will pay an extra $500 every year to go from a minimum limit to higher 250/500 limits
- Youthful drivers are the costliest to insure, with premiums as much as $393 per month if comprehensive and collision insurance is included
- Drivers that tend to have accidents or serious violations may pay on average $1,420 more every year than a low-risk driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,720 |
| 20 | $2,808 |
| 30 | $1,258 |
| 40 | $1,220 |
| 50 | $1,116 |
| 60 | $1,094 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,486 |
| $250 | $1,362 |
| $500 | $1,220 |
| $1,000 | $1,082 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,220 |
| 50/100 | $1,311 |
| 100/300 | $1,425 |
| 250/500 | $1,722 |
| 100 CSL | $1,357 |
| 300 CSL | $1,608 |
| 500 CSL | $1,790 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,700 |
| 20 | $4,472 |
| 30 | $2,676 |
| 40 | $2,636 |
| 50 | $2,518 |
| 60 | $2,496 |
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 | $64 |
| Multi-vehicle | $65 |
| Homeowner | $20 |
| 5-yr Accident Free | $83 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $51 |
| Advance Quote | $57 |
| Online Quote | $85 |
| Total Discounts | $503 |
Discounts are estimated and may not be available from every company or in every state.
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