Mazda CX-3 Insurance Rates

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2017 Mazda CX-3 Car Insurance Quotes in 2025 – 8 Tips to Save

Locating better insurance prices for your Mazda CX-3 could be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to buy insurance coverage so you're going to learn the quickest way to get price quotes for a new or used Mazda and find the cheapest rates from both online companies and local agents. You need to get comparison quotes every six months sin...

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: Apr 2, 2024

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Average auto insurance rates for a Mazda CX-3 are $1,220 annually for full coverage. Comprehensive insurance costs approximately $230 each year, collision costs $376, and liability insurance costs around $456. A policy with just liability insurance costs as low as $508 a year, with coverage for high-risk drivers costing $2,636 or more. Teenage drivers receive the highest rates at $4,720 a year or more.

Average premium for full coverage: $1,220

Rate estimates by individual coverage type:

Comprehensive $230
Collision $376
Liability $456

Estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and CX-3 models.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from as cheap as $508 for basic liability insurance to a high rate of $2,636 for a driver that may need high-risk insurance.

Liability Only $508
Full Coverage $1,220
High Risk $2,636

Price Range by Location

Where you live has a significant impact on car insurance rates. Rural locations tend to have fewer accident claims than densely populated cities.

The graphic below illustrates how where you live affects auto insurance prices.

Rural Areas $915
Small Cities $1,281
Large Cities $1,647

These examples show why all drivers should compare prices 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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rate Comparisons

The chart below shows estimated Mazda CX-3 insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $717
  • Using higher $1,000 deductibles will save $138 a year
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,220
  • Using low deductibles for physical damage coverage costs an additional $266 a year
  • Drivers who are prone to accidents and violations could pay around $2,636 or more
  • The cost with full coverage for a teen driver can cost $4,720 or more

View Chart as Image

Mazda CX-3 insurance cost comparison chart
Column chart showing full coverage Mazda CX-3 insurance prices range from $717 to $4,720

Insurance rates for a Mazda CX-3 can also vary considerably based on the trim level of your CX-3, your driver profile, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,500 to $2,000 additional per year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $410 each year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Mazda CX-3 insurance rates. A driver around age 40 might see rates as low as $800 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,740 on average in New York, Louisiana, and Michigan.

Mazda CX-3 Insurance Rates by State
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%

View Chart as Image

Mazda CX-3 insurance rates by U.S. city

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate rates, and rates can be significantly different between companies.

Mazda CX-3 Insurance Rates by Model Year
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 Low Cost Mazda CX-3 Insurance

Saving money on Mazda CX-3 insurance requires avoiding accidents and violations, having good credit, eliminating unneeded coverage, and qualifying for all possible discounts. Take the time to comparison shop once a year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.

The list below is a review of the data that was touched on in the above illustrations.

  • Drivers can save around $140 per year simply by quoting online in advance
  • Drivers who purchase higher liability limits will pay an extra $500 each year to increase from a minimum limit to higher 250/500 limits
  • Teenagers are the costliest to insure, costing as high as $393 per month if they have full coverage
  • High-risk drivers who have several accidents or serious violations pay on average $1,420 more per year for car insurance

Rates by Driver Age

Mazda CX-3 Insurance 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

Mazda CX-3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,486
$250 $1,362
$500 $1,220
$1,000 $1,082

Full coverage, driver age 40

Rates by Liability Limit

Mazda CX-3 Insurance Rates with Different Liability Limits
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

Mazda CX-3 Insurance 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.

SR-22 Surcharge $168

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
Rate after discounts $717

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

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