Mazda CX-3 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 2, 2024

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U.S. average auto insurance rates for a Mazda CX-3 are $1,220 annually for full coverage. Comprehensive insurance costs around $230, collision insurance costs $376, and liability costs around $456. Buying just liability costs as low as $508 a year, and insurance for high-risk drivers costs $2,636 or more. Teenage drivers pay the highest rates at up to $4,720 a year.

Average premium for full coverage: $1,220

Price estimates for individual coverage:

Comprehensive $230
Collision $376
Liability $456

Price estimates include $500 deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for all CX-3 models.

Price Range from Low to High

For the average 40-year-old driver, Mazda CX-3 insurance prices range from as cheap as $508 for minimum levels of liability insurance to the much higher price of $2,636 for coverage for higher-risk drivers.

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

Geographic Price Range

Where you live can have significant affects on auto insurance rates. Areas with sparse population have fewer accident claims than densely populated cities. The example below illustrates the difference location can make on auto insurance rates.

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

The ranges above show why everyone should compare prices for a specific zip code and their own personal driving habits, 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 shows average Mazda CX-3 insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $717
  • Using higher $1,000 deductibles will save about $138 a year
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,220
  • Using pricier low deductibles for physical damage coverage costs an additional $266 every year
  • Drivers who are prone to accidents and violations could pay at least $2,636
  • The price with full coverage for a teen driver for full coverage can be $4,720 or more

View Chart as Image

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

Insurance prices for a Mazda CX-3 are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at least $1,500 to $2,000 additional each year, depending on your age. Mazda CX-3 insurance for high-risk drivers can be as much as 42% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $410 every year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

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

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
Mazda CX-3 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2021 Mazda CX-3 $272 $466 $416 $1,312
2020 Mazda CX-3 $262 $446 $430 $1,296
2019 Mazda CX-3 $248 $430 $442 $1,278
2018 Mazda CX-3 $238 $400 $452 $1,248
2017 Mazda CX-3 $230 $376 $456 $1,220
2016 Mazda CX-3 $220 $338 $460 $1,176

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 Cheaper Mazda CX-3 Insurance

Getting lower rates on car insurance requires not taking risks behind the wheel, having good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates at least once a year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following is a condensed summary of the primary concepts that were touched on in this article.

  • Drivers can save up to $140 per year just by quoting online well ahead of the renewal date
  • Higher risk drivers with multiple at-fault accidents pay an average of $1,420 more every year for CX-3 insurance
  • Increasing physical damage deductibles could save up to $400 each year
  • Teens are charged the highest prices, with premiums as much as $393 a month if they have full coverage

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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