Mazda 3 Insurance Rates
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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
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U.S. average insurance rates for a Mazda 3 are $1,030 a year for full coverage. Comprehensive costs approximately $162 each year, collision insurance costs $236, and liability insurance is $474. A policy with just liability insurance costs around $522 a year, and coverage for high-risk drivers costs around $2,224. Teens pay the highest rates at up to $4,152 a year.
Average premium for full coverage: $1,030
Price estimates by individual coverage:
Estimates include $500 deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Estimates are averaged for all states and 3 models.
Price Range from Low to High
For the average driver, Mazda 3 insurance prices range from as low as $522 for just liability insurance to a high rate of $2,224 for a policy for a high-risk driver.
Geographic Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Rural locations have a lower frequency of accident claims than cities with more traffic congestion. The graphic below illustrates how location impacts auto insurance prices.
The ranges above show why all drivers should compare rates quotes using their specific location and risk profile, rather than relying on averaged prices.
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 shows average Mazda 3 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $621
- Raising to $1,000 deductibles will save $90 a year
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,030
- Selecting low deductibles will increase the cost to $1,202
- Higher-risk drivers with serious driving violations could pay around $2,224
- The price for full coverage for a teen driver can cost $4,152
Insurance prices for a Mazda 3 are also quite variable based on your driving record, the trim level of your 3, and physical damage deductibles and liability limits.
More mature drivers with a clean driving record and high deductibles could pay as little as $1,000 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $4,100 a year. View Rates by Age
The state you live in also has a big influence on Mazda 3 insurance rates. A middle-age driver might find prices as low as $680 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,470 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $930 | -$100 | -9.7% |
| Alaska | $788 | -$242 | -23.5% |
| Arizona | $854 | -$176 | -17.1% |
| Arkansas | $1,030 | -$0 | 0.0% |
| California | $1,174 | $144 | 14.0% |
| Colorado | $982 | -$48 | -4.7% |
| Connecticut | $1,058 | $28 | 2.7% |
| Delaware | $1,166 | $136 | 13.2% |
| Florida | $1,288 | $258 | 25.0% |
| Georgia | $950 | -$80 | -7.8% |
| Hawaii | $740 | -$290 | -28.2% |
| Idaho | $696 | -$334 | -32.4% |
| Illinois | $766 | -$264 | -25.6% |
| Indiana | $774 | -$256 | -24.9% |
| Iowa | $696 | -$334 | -32.4% |
| Kansas | $980 | -$50 | -4.9% |
| Kentucky | $1,406 | $376 | 36.5% |
| Louisiana | $1,522 | $492 | 47.8% |
| Maine | $636 | -$394 | -38.3% |
| Maryland | $848 | -$182 | -17.7% |
| Massachusetts | $824 | -$206 | -20.0% |
| Michigan | $1,790 | $760 | 73.8% |
| Minnesota | $862 | -$168 | -16.3% |
| Mississippi | $1,232 | $202 | 19.6% |
| Missouri | $914 | -$116 | -11.3% |
| Montana | $1,106 | $76 | 7.4% |
| Nebraska | $812 | -$218 | -21.2% |
| Nevada | $1,234 | $204 | 19.8% |
| New Hampshire | $740 | -$290 | -28.2% |
| New Jersey | $1,152 | $122 | 11.8% |
| New Mexico | $912 | -$118 | -11.5% |
| New York | $1,084 | $54 | 5.2% |
| North Carolina | $594 | -$436 | -42.3% |
| North Dakota | $842 | -$188 | -18.3% |
| Ohio | $710 | -$320 | -31.1% |
| Oklahoma | $1,058 | $28 | 2.7% |
| Oregon | $942 | -$88 | -8.5% |
| Pennsylvania | $982 | -$48 | -4.7% |
| Rhode Island | $1,372 | $342 | 33.2% |
| South Carolina | $932 | -$98 | -9.5% |
| South Dakota | $868 | -$162 | -15.7% |
| Tennessee | $902 | -$128 | -12.4% |
| Texas | $1,242 | $212 | 20.6% |
| Utah | $762 | -$268 | -26.0% |
| Vermont | $706 | -$324 | -31.5% |
| Virginia | $618 | -$412 | -40.0% |
| Washington | $798 | -$232 | -22.5% |
| West Virginia | $942 | -$88 | -8.5% |
| Wisconsin | $714 | -$316 | -30.7% |
| Wyoming | $918 | -$112 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $270 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,200 to $1,800 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda 3 I Sport 4-Dr Sedan | $990 | $83 |
| Mazda 3 I SV 4-Dr Sedan | $990 | $83 |
| Mazda 3 I Touring 4-Dr Sedan | $1,030 | $86 |
| Mazda 3 S Sport 4-Dr Hatchback | $1,050 | $88 |
| Mazda 3 S Sport 4-Dr Sedan | $1,050 | $88 |
| Mazda 3 S Grand Touring 4-Dr Hatchback | $1,070 | $89 |
| Mazda 3 S Grand Touring 4-Dr Sedan | $1,070 | $89 |
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 | $294 | $542 | $390 | $1,384 |
| 2023 Mazda 3 | $282 | $536 | $398 | $1,374 |
| 2022 Mazda 3 | $272 | $524 | $416 | $1,370 |
| 2021 Mazda 3 | $262 | $502 | $430 | $1,352 |
| 2020 Mazda 3 | $248 | $484 | $442 | $1,332 |
| 2019 Mazda 3 | $238 | $450 | $452 | $1,298 |
| 2018 Mazda 3 | $230 | $424 | $456 | $1,268 |
| 2017 Mazda 3 | $220 | $380 | $460 | $1,218 |
| 2016 Mazda 3 | $206 | $350 | $460 | $1,174 |
| 2015 Mazda 3 | $198 | $328 | $464 | $1,148 |
| 2014 Mazda 3 | $194 | $306 | $474 | $1,132 |
| 2012 Mazda 3 | $174 | $258 | $478 | $1,068 |
| 2011 Mazda 3 | $162 | $236 | $474 | $1,030 |
| 2010 Mazda 3 | $152 | $214 | $474 | $998 |
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 Find Low Cost Mazda 3 Insurance
Getting lower rates on Mazda 3 insurance consists of not taking risks behind the wheel, maintaining good credit, eliminating unnecessary coverage, and possibly raising deductibles. Spend time shopping around every year by getting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
The following is a review of the coverage data touched on above.
- Drivers can save around $120 per year just by quoting online in advance
- Increasing physical damage deductibles can save around $250 each year
- Teens are expensive to insure, with premiums as much as $346 a month for full coverage
- High-risk drivers who have several accidents or serious violations may pay on average $1,190 more per year for 3 insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,152 |
| 20 | $2,364 |
| 30 | $1,048 |
| 40 | $1,030 |
| 50 | $946 |
| 60 | $926 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,202 |
| $250 | $1,124 |
| $500 | $1,030 |
| $1,000 | $940 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,030 |
| 50/100 | $1,165 |
| 100/300 | $1,283 |
| 250/500 | $1,591 |
| 100 CSL | $1,212 |
| 300 CSL | $1,473 |
| 500 CSL | $1,663 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,854 |
| 20 | $3,774 |
| 30 | $2,240 |
| 40 | $2,224 |
| 50 | $2,126 |
| 60 | $2,104 |
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 | $52 |
| Multi-vehicle | $56 |
| Homeowner | $18 |
| 5-yr Accident Free | $64 |
| 5-yr Claim Free | $65 |
| Paid in Full/EFT | $38 |
| Advance Quote | $46 |
| Online Quote | $70 |
| Total Discounts | $409 |
Discounts are estimated and may not be available from every company or in every state.
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