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 $998 a year with full coverage. Comprehensive costs approximately $152, collision costs $214, and liability is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing around $2,154. Teens pay the highest rates at $4,054 a year or more.
Average premium for full coverage: $998
Price estimates by individual coverage:
These estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all 3 models.
Price Range from Low to High
For the average driver, Mazda 3 insurance prices go from as low as $522 for basic liability insurance to the much higher price of $2,154 for a driver that may need high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on the price of insurance. Rural locations have a lower frequency of collision claims than cities with more traffic congestion.
The example below illustrates how location impacts auto insurance prices.
The ranges above demonstrate why everyone should compare rates quotes using their specific location and risk profile, instead of making a decision based 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.
Rate Comparisons
The chart below details estimated Mazda 3 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $605
- Raising to $1,000 deductibles will save $84 annually
- The average rate for the average middle-age driver who chooses $500 deductibles is $998
- Selecting pricier low deductibles will increase the cost to $1,158
- Drivers with serious driving violations could pay around $2,154 or more
- The price for full coverage for a 16-year-old driver for full coverage can cost $4,054
Insurance prices for a Mazda 3 are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high deductibles may pay as low as $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age
The state you live in also has a big influence on Mazda 3 insurance prices. A middle-age driver might find prices as low as $720 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,350 on average in New York, Michigan, and Florida.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $250 annually, whereas buying more liability protection will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,200 to $1,700 additional each year, depending on your age. Mazda 3 insurance for high-risk drivers is expensive and can cost from 42% to 134% more than the average policy. View High Risk Driver Rates
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices from multiple companies. Every auto insurance company calculates prices differently, and prices may be quite different from one company to the next.
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 Find Cheap Mazda 3 Insurance
Getting lower rates on insurance for a Mazda 3 consists of being safe and accident-free, having a good credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around once a year by getting rate quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
Below you'll find a brief summary of the data that was touched on above.
- You may be able to save around $110 per year simply by quoting online well ahead of the renewal date
- Insureds who purchase more liability protection will pay approximately $520 every year to raise from a low limit to 250/500 limits
- Youthful drivers are the costliest to insure, costing up to $338 a month including comprehensive and collision insurance
- Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,160 more per year than a low-risk driver
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.
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