Mazda 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 19, 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.
The average insurance prices for a Mazda 3 are $998 every 12 months including full coverage. Comprehensive costs around $152 each year, collision insurance costs $214, and liability coverage is estimated at $474. Liability-only insurance costs approximately $522 a year, and high-risk driver insurance costs around $2,154. Teen drivers cost the most to insure at up to $4,054 a year.
Average premium for full coverage: $998
Policy rates for type of insurance:
Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and 3 models.
Price Range Variability
For the average 40-year-old driver, Mazda 3 insurance rates range from the cheapest price of $522 for just liability insurance to a high rate of $2,154 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city has a large influence on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than larger metro areas. The graphic below illustrates the difference location can make on auto insurance rates.
The examples above highlight why all drivers should get quotes for a specific zip code 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.
More Rate Details
The chart below breaks down average Mazda 3 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $605
- Choosing higher $1,000 deductibles can save about $84 every year
- The average price for a good driver age 40 using $500 deductibles is $998
- Choosing low deductibles for comp and collision coverage increases the price to $1,158
- Drivers with multiple violations and an at-fault accident could pay at least $2,154
- Policy cost to insure a teenage driver can be $4,054 each year
Auto insurance rates for a Mazda 3 also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.
Choosing high deductibles can save as much as $250 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay as much as $4,000 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,200 to $1,700 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges around 42% to 134% more than average. View High Risk Driver Rates
Your home state plays a big part in determining prices for Mazda 3 insurance rates. A good driver about age 40 could pay as low as $770 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,430 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $904 | -$94 | -9.4% |
| Alaska | $766 | -$232 | -23.2% |
| Arizona | $828 | -$170 | -17.0% |
| Arkansas | $998 | -$0 | 0.0% |
| California | $1,138 | $140 | 14.0% |
| Colorado | $954 | -$44 | -4.4% |
| Connecticut | $1,026 | $28 | 2.8% |
| Delaware | $1,130 | $132 | 13.2% |
| Florida | $1,250 | $252 | 25.3% |
| Georgia | $922 | -$76 | -7.6% |
| Hawaii | $718 | -$280 | -28.1% |
| Idaho | $674 | -$324 | -32.5% |
| Illinois | $744 | -$254 | -25.5% |
| Indiana | $752 | -$246 | -24.6% |
| Iowa | $674 | -$324 | -32.5% |
| Kansas | $952 | -$46 | -4.6% |
| Kentucky | $1,362 | $364 | 36.5% |
| Louisiana | $1,476 | $478 | 47.9% |
| Maine | $616 | -$382 | -38.3% |
| Maryland | $822 | -$176 | -17.6% |
| Massachusetts | $798 | -$200 | -20.0% |
| Michigan | $1,736 | $738 | 73.9% |
| Minnesota | $834 | -$164 | -16.4% |
| Mississippi | $1,194 | $196 | 19.6% |
| Missouri | $886 | -$112 | -11.2% |
| Montana | $1,072 | $74 | 7.4% |
| Nebraska | $786 | -$212 | -21.2% |
| Nevada | $1,198 | $200 | 20.0% |
| New Hampshire | $718 | -$280 | -28.1% |
| New Jersey | $1,114 | $116 | 11.6% |
| New Mexico | $886 | -$112 | -11.2% |
| New York | $1,052 | $54 | 5.4% |
| North Carolina | $576 | -$422 | -42.3% |
| North Dakota | $818 | -$180 | -18.0% |
| Ohio | $690 | -$308 | -30.9% |
| Oklahoma | $1,026 | $28 | 2.8% |
| Oregon | $914 | -$84 | -8.4% |
| Pennsylvania | $954 | -$44 | -4.4% |
| Rhode Island | $1,332 | $334 | 33.5% |
| South Carolina | $904 | -$94 | -9.4% |
| South Dakota | $842 | -$156 | -15.6% |
| Tennessee | $876 | -$122 | -12.2% |
| Texas | $1,204 | $206 | 20.6% |
| Utah | $740 | -$258 | -25.9% |
| Vermont | $684 | -$314 | -31.5% |
| Virginia | $598 | -$400 | -40.1% |
| Washington | $774 | -$224 | -22.4% |
| West Virginia | $914 | -$84 | -8.4% |
| Wisconsin | $692 | -$306 | -30.7% |
| Wyoming | $890 | -$108 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda 3 I Sport 4-Dr Sedan | $962 | $80 |
| Mazda 3 I SV 4-Dr Sedan | $962 | $80 |
| Mazda 3 I Touring 4-Dr Sedan | $998 | $83 |
| Mazda 3 S Sport 4-Dr Hatchback | $1,018 | $85 |
| Mazda 3 S Sport 4-Dr Sedan | $1,018 | $85 |
| Mazda 3 S Grand Touring 4-Dr Hatchback | $1,036 | $86 |
| Mazda 3 S Grand Touring 4-Dr Sedan | $1,036 | $86 |
Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Mazda 3 | $282 | $536 | $398 | $1,374 |
| 2023 Mazda 3 | $272 | $524 | $416 | $1,370 |
| 2022 Mazda 3 | $262 | $502 | $430 | $1,352 |
| 2021 Mazda 3 | $248 | $484 | $442 | $1,332 |
| 2020 Mazda 3 | $238 | $450 | $452 | $1,298 |
| 2019 Mazda 3 | $230 | $424 | $456 | $1,268 |
| 2018 Mazda 3 | $220 | $380 | $460 | $1,218 |
| 2017 Mazda 3 | $206 | $350 | $460 | $1,174 |
| 2016 Mazda 3 | $198 | $328 | $464 | $1,148 |
| 2015 Mazda 3 | $194 | $306 | $474 | $1,132 |
| 2014 Mazda 3 | $180 | $284 | $474 | $1,096 |
| 2012 Mazda 3 | $162 | $236 | $474 | $1,030 |
| 2011 Mazda 3 | $152 | $214 | $474 | $998 |
| 2010 Mazda 3 | $148 | $192 | $468 | $966 |
Rates are averaged for all Mazda 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 the Best Mazda 3 Insurance
Finding cheaper rates on auto insurance takes being a good driver, having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Make time to compare rates at least once a year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.
The following list is a brief recap of the primary concepts that were touched on in this article.
- You may be able to save up to $110 per year just by quoting online in advance
- Drivers who tend to receive serious violations could be forced to pay on average $1,160 more every year than a safer driver
- Increasing comprehensive and collision deductibles could save as much as $250 each year
- Drivers age 16 to 20 are expensive to insure, with premiums being up to $338 each month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,054 |
| 20 | $2,292 |
| 30 | $1,014 |
| 40 | $998 |
| 50 | $916 |
| 60 | $898 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,158 |
| $250 | $1,086 |
| $500 | $998 |
| $1,000 | $914 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $998 |
| 50/100 | $1,131 |
| 100/300 | $1,249 |
| 250/500 | $1,557 |
| 100 CSL | $1,178 |
| 300 CSL | $1,439 |
| 500 CSL | $1,629 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,706 |
| 20 | $3,656 |
| 30 | $2,168 |
| 40 | $2,154 |
| 50 | $2,060 |
| 60 | $2,038 |
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 | $50 |
| Multi-vehicle | $54 |
| Homeowner | $18 |
| 5-yr Accident Free | $61 |
| 5-yr Claim Free | $63 |
| Paid in Full/EFT | $36 |
| Advance Quote | $44 |
| Online Quote | $67 |
| Total Discounts | $393 |
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
