Mazda CX-3 Insurance Rates

The average insurance rates for a Mazda CX-3 are $1,220 a year for full coverage. Comprehensive insurance costs around $230 a year, collision insurance costs $376, and liability insurance costs $456. Liability-only insurance costs as little as $508 a year, and high-risk driver insurance costs $2,636 or more. 16-year-old drivers cost the most to insure at up to $4,720 a year.

Average premium for full coverage: $1,220

Policy rates for type of insurance:

Price estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and CX-3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than congested cities. The diagram below illustrates the effect of geographic area on auto insurance rates.

The examples above show why it is important to compare rates for a specific zip code, rather than relying on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $717
• Drivers who choose higher $1,000 deductibles will pay about $1,082 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,220
• Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $266 a year
• High risk drivers with multiple tickets or accidents could pay at least $2,636
• Policy cost that insures a teen driver can be $4,720 a year

View Chart as Image

Auto insurance rates for a Mazda CX-3 also range considerably based on the trim level of your CX-3, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,500 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 137% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay as much as $4,700 a year. View Rates by Age

Your home state makes a big difference in Mazda CX-3 insurance rates. A 40-year-old driver could pay as low as $800 a year in states like Idaho, Maine, and Iowa, or at least $1,740 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $410 each year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

How to Find Cheaper Mazda CX-3 Insurance

Finding cheaper rates on Mazda CX-3 insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Comparison shop once a year by requesting rates from direct carriers, and also from several local insurance agents.

The list below is a condensed summary of the data that was covered in the above illustrations.

• Drivers can save up to $140 per year just by quoting early and online
• Drivers who may need higher liability limits will pay around $500 each year to go from a 30/60 limit to the 250/500 level
• Teenagers are expensive to insure, costing up to $393 each month if the policy includes full coverage
• High-risk drivers with multiple at-fault accidents pay on average $1,420 more every year for car insurance