Mazda CX-3 Insurance Rates

The average insurance prices for a Mazda CX-3 are $1,176 every 12 months for full coverage insurance. Comprehensive insurance costs on average $220 each year, collision insurance costs $338, and liability insurance costs around $460. Buying just liability costs as low as $510 a year, and insurance for high-risk drivers costs $2,534 or more. Teen drivers cost the most to insure at up to $4,576 a year.

Average premium for full coverage: $1,176

Policy rates by type of insurance:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and CX-3 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. Rural areas are shown to have more infrequent physical damage claims than larger metro areas. The graphic below illustrates the effect of geographic area on car insurance rates.

The examples above illustrate why all drivers should compare prices based on a specific location and their own driving history, rather than relying on price averages.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below illustrates average Mazda CX-3 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $698
• Using higher $1,000 deductibles will save around $128 each year
• The average price for a good driver age 40 with $500 deductibles is $1,176
• Choosing low deductibles for physical damage coverage costs an extra $242 a year
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,534
• Policy cost to insure a teen driver may cost $4,576 or more

View Chart as Image

Insurance rates for a Mazda CX-3 also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your CX-3.

Choosing high deductibles could cut rates by as much as $370 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay upwards of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 133% more than average. View High Risk Driver Rates

Your home state has a huge impact on Mazda CX-3 insurance rates. A driver around age 40 might see rates as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,590 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for the Right Mazda CX-3 Insurance

Finding cheaper rates on Mazda CX-3 insurance requires being a good driver, having good credit, being claim-free, and determing if full coverage is necessary. Take the time to compare rates at least every other year by getting rate quotes from direct insurance companies, and also from several local insurance agents.

The following list is a quick rundown of the car insurance concepts covered in the above illustrations.

• High-risk drivers with reckless driving or DUI convictions pay on average $1,360 more each year than a safer driver
• It is possible to save as much as $140 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $375 each year
• Drivers who require an increased level of liability coverage will pay about $510 annually to increase from a 30/60 limit to a 250/500 level