Mazda 3 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average insurance rates for a Mazda 3 are $998 a year with full coverage. Comprehensive costs approximately $152 each year, collision costs $214, and liability insurance costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing around $2,154. 16-year-old drivers pay the highest rates at $4,054 a year or more.
Average premium for full coverage: $998
Price estimates by individual coverage:
Estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and 3 models.
Price Range from Low to High
For the average 40-year-old driver, Mazda 3 insurance prices go from the low end price of $522 for minimum levels of liability insurance to a high rate of $2,154 for a high-risk driver policy.
Geographic Price Range
Where you live has a significant impact on the price of insurance. Rural locations have lower incidents of collision claims than congested cities.
The graphic below illustrates the difference location can make on auto insurance prices.
The ranges above demonstrate why all drivers should compare prices using their specific location, rather than relying on rate averages.
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.
Additional Rate Details
The chart below details estimated Mazda 3 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $605
- Using higher $1,000 deductibles will save $84 annually
- The estimated price for the average middle-age driver who chooses $500 deductibles is $998
- Buying low deductibles for physical damage coverage bumps up the cost to $1,158
- Drivers with multiple tickets or accidents could pay around $2,154 or more
- The price that insures a teen driver can cost $4,054 or more
Auto insurance prices for a Mazda 3 are also quite variable based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,200 to $1,700 in extra premium each year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 134% more than the average rate. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $900 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,000 a year. View Rates by Age
The state you live in has a huge impact on Mazda 3 insurance rates. A driver around age 40 might see prices as low as $720 a year in states like Utah, Ohio, and New Hampshire, or 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% |
Opting for high physical damage deductibles could cut prices by as much as $250 each year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison from as many companies as possible. Each insurance company utilizes a different rate formula, and quoted prices may be quite different.
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 Low Cost Mazda 3 Insurance
Getting lower rates on Mazda 3 insurance requires being a low-risk driver, maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Comparison shop every time your policy renews by requesting quotes from direct companies, and also from local insurance agencies.
The items below are a review of the information touched on in this article.
- You may be able to save around $110 per year simply by quoting online in advance
- Teen drivers have the highest car insurance prices, costing up to $338 a month if the policy includes full coverage
- Increasing physical damage deductibles can save approximately $250 each year
- High-risk drivers who have several accidents or serious violations may have to pay on average $1,160 more per year to insure their 3
- Drivers who purchase more liability coverage will pay around $520 every year to increase from a low limit to the 250/500 level
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
