Mazda CX-3 Insurance Rates
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UPDATED: May 12, 2022
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Estimated insurance rates for a Mazda CX-3 are $1,220 a year with full coverage. Comprehensive insurance costs around $230, collision insurance costs $376, and liability insurance is estimated at $456. A policy with only liability insurance costs approximately $508 a year, and a high-risk policy 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 for type of coverage:
Rates are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for different CX-3 trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Mazda CX-3 range from as low as $508 for liability-only coverage to a much higher rate of $2,636 for coverage for higher-risk drivers.
Insurance Price Range by Location
Living in a larger city has a significant impact on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than larger metro areas. The price range example below illustrates how location helps determine auto insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, rather than relying on 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 Charts and Tables
The chart below details average Mazda CX-3 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $717
- Choosing higher $1,000 deductibles can save about $138 annually
- The average rate for a 40-year-old good driver using $500 deductibles is $1,220
- Choosing more expensive low deductibles for comp and collision coverage will cost an extra $266 a year
- High-risk insureds with multiple violations and an at-fault accident could pay at least $2,636
- An auto insurance policy for full coverage for a teen driver with full coverage can be $4,720 each year
Car insurance prices for a Mazda CX-3 also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.
An older driver with no driving violations and high deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged as much as $4,700 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Mazda CX-3 insurance rates. A good driver about age 40 could pay as low as $880 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,650 on average in Florida, Michigan, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles can save as much as $410 each year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out at least $1,500 to $2,000 extra annually, depending on your age. High-risk driver insurance ranges anywhere from 42% to 137% more than average. View High Risk Driver Rates
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2016 Mazda CX-3||$230||$376||$456||$1,220|
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 Find the Best Cheap Mazda CX-3 Insurance
Finding better rates on Mazda CX-3 insurance takes being a low-risk driver, having above-average credit, being claim-free, and consideration of higher deductibles. Invest time comparing rates at least once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The items below are a quick review of the primary concepts that were covered in the charts and tables above.
- You may be able to save up to $140 per year just by shopping early and online
- High-risk drivers with a DUI or reckless driving violation pay an average of $1,420 more every year to insure their CX-3
- Increasing policy deductibles can save around $400 each year
- Teen drivers are the costliest to insure, possibly costing $393 per month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$83|
|5-yr Claim Free||$78|
|Paid in Full/EFT||$51|
Discounts are estimated and may not be available from every company or in every state.