Mazda 3 Insurance Rates

U.S. average insurance rates for a Mazda 3 are $1,030 a year for full coverage. Comprehensive insurance costs approximately $162, collision insurance costs $236, and liability coverage costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs $2,224 or more. Teenage drivers pay the highest rates at up to $4,152 a year.

Average premium for full coverage: $1,030

Price estimates by individual coverage:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different 3 trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. Rural locations have a lower frequency of accident claims than densely populated cities. The price range example below illustrates how location helps determine auto insurance prices.

The ranges above show why anyone shopping for car insurance should compare rates using their specific location and risk profile, 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 $621
• Drivers who choose higher $1,000 deductibles will pay $90 a year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,030
• Using more expensive low deductibles for comprehensive and collision insurance will cost an extra $172 each year
• High-risk insureds who are prone to accidents and violations could pay around $2,224
• The price for full coverage for a teenage driver with full coverage can cost $4,152 a year

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Insurance prices for a Mazda 3 are also quite variable based on your driving record, the trim level of your 3, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high deductibles may only pay around $1,000 per year 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 $4,100 a year. View Rates by Age

The state you live in makes a big difference in Mazda 3 insurance rates. A 40-year-old driver could pay as low as $680 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,470 on average in New York, Louisiana, and Michigan.

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Using high physical damage deductibles could save up to $270 a year, while increasing your policy's liability limits will push prices upward. Going 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 could be paying anywhere from $1,200 to $1,800 additional each year, depending on your age. High-risk driver insurance can cost around 43% to 130% more than a normal policy. View High Risk Driver Rates

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 Affordable Mazda 3 Insurance

Getting lower rates on auto insurance not only requires having a decent driving record, but also having a good credit history, eliminating unnecessary coverage, and consideration of higher deductibles. Invest time comparing rates every couple of years by requesting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The following items are a brief review of the material that was covered in the charts and tables above.

• Consumers who purchase additional liability coverage will pay an extra $520 each year to go from a low limit to 250/500 limits
• 16 to 18-year-old drivers are the costliest to insure, with premiums as much as $346 a month including comprehensive and collision insurance
• Drivers with DUI or reckless driving convictions may pay on average $1,190 more per year than a driver with a clean driving record
• Increasing physical damage deductibles can save around $250 each year