Mazda CX-3 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Estimated insurance prices for a Mazda CX-3 are $1,176 every 12 months for full coverage insurance. Comprehensive costs an estimated $220 each year, collision costs $338, and liability coverage costs around $460. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing around $2,534. Teen drivers pay the most at $4,576 a year or more.
Average premium for full coverage: $1,176
Premium estimates broken down by type of coverage:
These estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and CX-3 models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Mazda CX-3 go from the cheapest price of $510 for basic liability insurance to a high rate of $2,534 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Where you live has a large influence on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than larger metro areas.
The graphic below illustrates how location impacts insurance prices.
These rate differences illustrate why all drivers should compare prices for a targeted area and their own driving history, rather than using 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.
Rate Comparisons
The chart below illustrates estimated Mazda CX-3 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $698
- Using higher $1,000 deductibles will save approximately $128 each year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,176
- Choosing low deductibles for physical damage coverage increases the price to $1,418
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,534 or more
- An auto insurance policy to insure a teenage driver can cost as much as $4,576 or more
Insurance prices for a Mazda CX-3 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.
Choosing high deductibles could cut prices by as much as $370 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay at least $4,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers can be around 44% to 133% more than average. View High Risk Driver Rates
Where you choose to live has a huge impact on Mazda CX-3 insurance rates. A driver around age 40 might see prices as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,590 on average in Florida, New York, and Michigan.
| 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% |
With such a large range in prices, the only way to figure out which insurance company is cheapest is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, so the prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Mazda CX-3 | $248 | $430 | $442 | $1,278 |
| 2020 Mazda CX-3 | $238 | $400 | $452 | $1,248 |
| 2019 Mazda CX-3 | $230 | $376 | $456 | $1,220 |
| 2018 Mazda CX-3 | $220 | $338 | $460 | $1,176 |
| 2017 Mazda CX-3 | $206 | $310 | $460 | $1,134 |
| 2016 Mazda CX-3 | $198 | $292 | $464 | $1,112 |
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 Shop for Cheap Mazda CX-3 Insurance
Finding better rates on auto insurance requires having a good driving record, having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Spend time shopping around every other policy renewal by requesting rates from direct insurance companies, and also from insurance agencies where you live.
The next list is a brief summary of the ideas that were touched on above.
- Drivers age 20 and younger are charged the highest prices, with premiums being up to $381 per month if they have full coverage
- Drivers that tend to have accidents or serious violations could be forced to pay on average $1,360 more annually to buy Mazda CX-3 insurance
- Increasing policy deductibles could save as much as $375 each year
- It is possible to save approximately $140 per year simply by quoting online in advance
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
