Mazda 3 Insurance Rates

The average auto insurance rates for a Mazda 3 are $998 annually for full coverage insurance. Comprehensive insurance costs approximately $152, collision insurance costs $214, and liability costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers costs $2,154 or more. Teen drivers cost the most to insure at up to $4,054 a year.

Average premium for full coverage: $998

Policy rates by type of insurance:

Prices include $500 deductible amounts, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different 3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, instead of making a decision based on price averages.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below illustrates average Mazda 3 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $605
• Using higher $1,000 deductibles will save $84 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $998
• Choosing more expensive low deductibles for physical damage coverage costs an additional $160 annually
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,154
• Policy cost with full coverage for a 16-year-old driver with full coverage can cost $4,054 or more

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Insurance rates for a Mazda 3 also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high physical damage deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $4,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,200 to $1,700 extra every year, depending on your age. High-risk driver insurance can be from 42% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $250 annually, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Mazda 3 insurance prices. A driver around age 40 might see rates as low as $660 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,350 on average in Florida, New York, and Michigan.

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Insurance Rates by Trim Level and Model Year

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.

How to Buy the Right Mazda 3 Insurance

Finding cheaper rates on insurance for a Mazda 3 requires having a good driving record, having a good credit history, being claim-free, and possibly raising deductibles. Set aside time to compare rates every time your policy renews by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a quick rundown of the information covered above.

• It is possible to save around $110 per year just by shopping early and online
• Drivers age 20 and younger are expensive to insure, possibly costing $338 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles could save up to $250 each year
• Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,160 more per year to buy Mazda 3 insurance
• Insureds who purchase increased levels of liability coverage will pay about $520 annually to increase from a 30/60 limit to higher 250/500 limits