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...

Insurance Lawyer

UPDATED: Jun 6, 2023

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U.S. average auto insurance rates for a Mazda CX-3 are $1,176 annually for full coverage. Comprehensive insurance costs around $220, collision insurance costs $338, and liability costs around $460. Buying just liability costs as low as $510 a year, and insurance for high-risk drivers costs $2,534 or more. Teenage drivers pay the highest rates at up to $4,576 a year.

Average premium for full coverage: $1,176

Price estimates for individual coverage:

Comprehensive $220
Collision $338
Liability $460

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 $510 for minimum levels of liability insurance to the much higher price of $2,534 for coverage for higher-risk drivers.

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

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

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 $698
  • Using higher $1,000 deductibles will save about $128 a year
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,176
  • Using pricier low deductibles for physical damage coverage costs an additional $242 every year
  • Drivers who are prone to accidents and violations could pay at least $2,534
  • The price with full coverage for a teen driver for full coverage can be $4,576 or more

View Chart as Image

Mazda CX-3 insurance cost comparison chart
Column chart showing Mazda CX-3 insurance prices range from $698 to $4,576 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 $4,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at least $1,400 to $2,000 additional each year, depending on your age. Mazda CX-3 insurance for high-risk drivers can be as much as 44% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $370 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 $414 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 $780 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,680 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 $1,064 -$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
Mazda CX-3 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
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 $1,360 more every year for CX-3 insurance
  • Increasing physical damage deductibles could save up to $375 each year
  • Teens are charged the highest prices, with premiums as much as $381 a month if they have full coverage

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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