Mazda 3 Insurance Rates

The average insurance rates for a Mazda 3 are $998 a year for full coverage. Comprehensive insurance costs approximately $152, collision insurance costs $214, and liability coverage costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs $2,154 or more. Teenage 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:

Rate estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for different 3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural locations are shown to have lower incidents of accident claims than densely populated cities. The price range example below illustrates how your location can change auto insurance prices.

The examples above show why anyone shopping for car insurance should compare rates using their specific location, rather than using average rates.

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

Additional Rate Details

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

• The best discount rate is $605
• Drivers who choose higher $1,000 deductibles will pay $84 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $998
• Using more expensive low deductibles for comprehensive and collision insurance will cost an additional $160 each year
• High-risk insureds who are prone to accidents and violations could pay around $2,154
• Policy cost that insures a teenage driver with full coverage can cost $4,054 a year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,200 to $1,700 additional every year, depending on your age. High-risk driver insurance can cost around 42% to 134% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age

Your home state makes a big difference in Mazda 3 insurance rates. A 40-year-old driver could pay as low as $660 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,430 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $250 a year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

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 Find the Best Mazda 3 Insurance

Finding cheaper rates on auto insurance not only requires not taking risks behind the wheel, but also having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Compare prices every other policy renewal by requesting quotes from direct carriers, and also from insurance agencies where you live.

The following is a brief recap of the ideas that were illustrated above.

• Teens are the costliest to insure, costing up to $338 each month if comprehensive and collision insurance is included
• Drivers who tend to receive serious violations could be forced to pay on average $1,160 more per year for 3 insurance
• Increasing comprehensive and collision deductibles can save approximately $250 each year
• Drivers can save around $110 per year just by shopping early and online