Mazda 3 Insurance Rates

The average auto insurance rates for a Mazda 3 are $1,030 annually including full coverage. Comprehensive costs an estimated $162 a year, collision insurance costs $236, and liability costs $474. Liability-only insurance costs as little as $522 a year, and high-risk driver insurance costs around $2,224. Teenage drivers cost the most to insure at up to $4,152 a year.

Average premium for full coverage: $1,030

Policy rates broken down by type of insurance:

Rate estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and 3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates the effect of geographic area on insurance prices.

The examples above highlight why it is important to compare rates for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

More Rate Information

The chart below breaks down average Mazda 3 insurance rates for other coverage scenarios.

• The best discount rate is $621
• Drivers who choose higher $1,000 deductibles will pay approximately $940 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,030
• Using low $100 deductibles for comprehensive and collision insurance will cost $1,202
• Drivers who are prone to accidents and violations could pay up to $2,224
• Policy cost with full coverage for a 16-year-old driver can cost as much as $4,152 a year

View Chart as Image

Auto insurance rates for a Mazda 3 also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay at least $4,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,200 to $1,800 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost from 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $270 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Mazda 3 insurance prices. A 40-year-old driver could pay as low as $790 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,470 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Best Mazda 3 Insurance

Finding cheaper rates on insurance for a Mazda 3 not only requires being a low-risk driver, but also having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Take the time to compare rates at least once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The items below are a brief recap of the primary concepts that were covered in the above illustrations.

• You may be able to save approximately $120 per year just by quoting early and online
• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,190 more annually to insure their 3
• Increasing comprehensive and collision deductibles could save up to $250 each year
• Teen drivers are the costliest to insure, with premiums being up to $346 each month if full coverage is included