Mazda CX-3 Insurance Rates
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Michelle Robbins
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UPDATED: Apr 2, 2024
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Estimated insurance prices for a Mazda CX-3 are $1,176 every 12 months including full coverage. Comprehensive insurance costs on average $220, collision insurance costs $338, and liability is $460. A liability-only policy costs around $510 a year, and high-risk insurance costs $2,534 or more. Teen drivers pay the most at up to $4,576 a year.
Average premium for full coverage: $1,176
Premium estimates by type of coverage:
Prices include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different CX-3 trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Mazda CX-3 range from the cheapest price of $510 for just the minimum liability insurance to a much higher rate of $2,534 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas. The price range example below illustrates the difference location can make on car insurance rates.
These rate differences highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of using price averages.
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 Analysis
The chart below breaks down average Mazda CX-3 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $698
- Raising to $1,000 deductibles will save around $128 every year
- The average price for a 40-year-old good driver with $500 deductibles is $1,176
- Choosing more expensive low deductibles costs an extra $242 every year
- At-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,534
- An auto insurance policy to insure a teen driver with full coverage may cost $4,576
Auto insurance prices for a Mazda CX-3 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your CX-3.
Choosing high deductibles can reduce prices by up to $370 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay upwards of $4,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,400 to $2,000 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 133% more than average. View High Risk Driver Rates
Where you choose to live also has a big influence on Mazda CX-3 insurance prices. A middle-age driver might find prices as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,680 on average in Michigan, New York, and Louisiana.
| 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% |
| 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 Right Mazda CX-3 Insurance
Finding better rates on car insurance consists of avoiding accidents and claims, having a good credit score, refrain from filing small claims, and deciding if full coverage is necessary. Make time to compare rates every couple of years by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.
The points below are a quick rundown of the material that was touched on in this article.
- Policyholders who require increased liability limits will pay about $510 per year to raise from 30/60 bodily injury limits to a 250/500 level
- Drivers under the age of 20 are charged the highest prices, with the cost nearing $381 per month if comprehensive and collision insurance is included
- Higher risk drivers with reckless driving or DUI convictions may pay on average $1,360 more each year to insure a Mazda CX-3
- Increasing policy deductibles could save as much as $375 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,418 |
| $250 | $1,306 |
| $500 | $1,176 |
| $1,000 | $1,048 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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