Mazda CX-3 Insurance Rates
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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:
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.
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.
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
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.
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 |
---|---|---|---|---|
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
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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