Mazda CX-3 Insurance Rates

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UPDATED: Apr 2, 2024

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Average insurance prices for a Mazda CX-3 are $1,176 every 12 months for full coverage insurance. Comprehensive insurance costs around $220, collision costs $338, and liability is $460. A policy with just liability insurance costs around $510 a year, with coverage for high-risk drivers costing $2,534 or more. Teenage drivers receive the highest rates at $4,576 a year or more.

Average premium for full coverage: $1,176

Rate estimates for individual coverage type:

Comprehensive $220
Collision $338
Liability $460

Includes $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for different CX-3 trim levels.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from the cheapest price of $510 for minimum levels of liability insurance to a much higher rate of $2,534 for high-risk insurance.

Liability Only $510
Full Coverage $1,176
High Risk $2,534

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than densely populated cities.

The price range example below illustrates how your location can change auto insurance rates.

Rural Areas $882
Small Cities $1,235
Large Cities $1,588

These examples illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, instead of 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.

Additional Rate Details

The chart below illustrates estimated Mazda CX-3 insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $698
  • Raising to $1,000 deductibles will save about $128 each year
  • The average price for a 40-year-old driver using $500 deductibles is $1,176
  • Using more expensive low deductibles costs an extra $242 every year
  • At-risk drivers who are prone to accidents and violations could pay at least $2,534 or more
  • The cost to insure a teen driver with full coverage can be $4,576

View Chart as Image

Mazda CX-3 insurance cost comparison chart
Column chart showing full coverage Mazda CX-3 insurance prices range from $698 to $4,576

Insurance rates for a Mazda CX-3 can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.

Using high physical damage deductibles can reduce rates by up to $370 every year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as little as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay as much as $4,500 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,400 to $2,000 additional per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 133% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Mazda CX-3 insurance prices. A middle-age driver might find rates as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,590 on average in Michigan, New York, and Florida.

Mazda CX-3 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,064 -$112 -9.5%
Alaska $900 -$276 -23.5%
Arizona $976 -$200 -17.0%
Arkansas $1,176 -$0 0.0%
California $1,338 $162 13.8%
Colorado $1,124 -$52 -4.4%
Connecticut $1,208 $32 2.7%
Delaware $1,330 $154 13.1%
Florida $1,470 $294 25.0%
Georgia $1,084 -$92 -7.8%
Hawaii $844 -$332 -28.2%
Idaho $794 -$382 -32.5%
Illinois $876 -$300 -25.5%
Indiana $884 -$292 -24.8%
Iowa $792 -$384 -32.7%
Kansas $1,116 -$60 -5.1%
Kentucky $1,604 $428 36.4%
Louisiana $1,740 $564 48.0%
Maine $726 -$450 -38.3%
Maryland $970 -$206 -17.5%
Massachusetts $942 -$234 -19.9%
Michigan $2,042 $866 73.6%
Minnesota $984 -$192 -16.3%
Mississippi $1,408 $232 19.7%
Missouri $1,042 -$134 -11.4%
Montana $1,262 $86 7.3%
Nebraska $928 -$248 -21.1%
Nevada $1,410 $234 19.9%
New Hampshire $848 -$328 -27.9%
New Jersey $1,316 $140 11.9%
New Mexico $1,040 -$136 -11.6%
New York $1,240 $64 5.4%
North Carolina $676 -$500 -42.5%
North Dakota $962 -$214 -18.2%
Ohio $812 -$364 -31.0%
Oklahoma $1,208 $32 2.7%
Oregon $1,078 -$98 -8.3%
Pennsylvania $1,122 -$54 -4.6%
Rhode Island $1,568 $392 33.3%
South Carolina $1,064 -$112 -9.5%
South Dakota $992 -$184 -15.6%
Tennessee $1,030 -$146 -12.4%
Texas $1,416 $240 20.4%
Utah $870 -$306 -26.0%
Vermont $804 -$372 -31.6%
Virginia $704 -$472 -40.1%
Washington $910 -$266 -22.6%
West Virginia $1,078 -$98 -8.3%
Wisconsin $814 -$362 -30.8%
Wyoming $1,048 -$128 -10.9%

View Chart as Image

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

With so much variability in rates, the only way to figure out your exact price is to compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and rates can be significantly different.

Mazda CX-3 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2021 Mazda CX-3 $248 $430 $442 $1,278
2020 Mazda CX-3 $238 $400 $452 $1,248
2019 Mazda CX-3 $230 $376 $456 $1,220
2018 Mazda CX-3 $220 $338 $460 $1,176
2017 Mazda CX-3 $206 $310 $460 $1,134
2016 Mazda CX-3 $198 $292 $464 $1,112

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 Shop for the Cheapest Mazda CX-3 Insurance

Saving money on car insurance consists of being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to shop around every couple of years by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a recap of the material that was illustrated above.

  • Policyholders who may need more liability coverage will pay an extra $510 annually to raise from a minimum limit to a 250/500 level
  • Teen drivers are charged the highest rates, costing up to $381 per month if full coverage is included
  • Higher risk drivers that have major violations or accidents may pay on average $1,360 more every year to insure their CX-3
  • Increasing deductibles could save as much as $375 each year

Rates by Driver Age

Mazda CX-3 Insurance Rates by Driver Age
Driver Age Premium
16 $4,576
20 $2,696
30 $1,208
40 $1,176
50 $1,076
60 $1,054

Full coverage, $500 deductibles

Rates by Deductible

Mazda CX-3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,418
$250 $1,306
$500 $1,176
$1,000 $1,048

Full coverage, driver age 40

Rates by Liability Limit

Mazda CX-3 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,176
50/100 $1,268
100/300 $1,383
250/500 $1,682
100 CSL $1,314
300 CSL $1,567
500 CSL $1,751

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda CX-3 Insurance Rates for High Risk Drivers
Age Premium
16 $6,480
20 $4,294
30 $2,572
40 $2,534
50 $2,422
60 $2,400

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 $160

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $61
Multi-vehicle $63
Homeowner $19
5-yr Accident Free $78
5-yr Claim Free $75
Paid in Full/EFT $47
Advance Quote $54
Online Quote $81
Total Discounts $478
Rate after discounts $698

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

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