Mazda CX-3 Insurance Rates

Estimated insurance rates for a Mazda CX-3 are $1,220 a year with full coverage. Comprehensive insurance costs an estimated $230 a year, collision insurance costs $376, and liability costs around $456. Liability-only coverage costs as low as $508 a year, and high-risk coverage costs $2,636 or more. Teen drivers pay the most at up to $4,720 a year.

Average premium for full coverage: $1,220

Premium estimates broken down by type of coverage:

Price estimates include $500 deductible amounts, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and CX-3 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on insurance prices.

These rate differences demonstrate why it is important to compare prices for a targeted area and risk profile, instead of making a decision based on price averages.

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

Additional Rate Details

The chart below details average Mazda CX-3 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $717
• Using higher $1,000 deductibles will save approximately $1,082 annually
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,220
• Choosing low $100 deductibles for physical damage coverage will cost an extra $266 annually
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,636
• An auto insurance policy for full coverage for a 16-year-old driver can cost as much as $4,720 or more

View Chart as Image

Insurance prices for a Mazda CX-3 also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay at least $4,700 a year. View Rates by Age

Where you choose to live has a huge impact on Mazda CX-3 insurance prices. A driver around age 40 might see prices as low as $880 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,650 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could cut prices by as much as $410 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,500 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy can be from 42% to 137% more than average. View High Risk Driver Rates

How to Find Cheaper Mazda CX-3 Insurance

Finding better rates on insurance for a Mazda CX-3 requires having a good driving record, maintaining good credit, being claim-free, and deciding if full coverage is necessary. Set aside time to compare rates at least once a year by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The next list is a condensed summary of the primary concepts that were covered above.

• You may be able to save approximately $140 per year just by quoting early and online
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,420 more annually to buy Mazda CX-3 insurance
• Increasing policy deductibles can save around $400 each year
• Drivers age 20 and younger are charged the highest prices, possibly costing $393 per month for full coverage