Mazda 3 Insurance Rates

Estimated auto insurance rates for a Mazda 3 are $998 annually for full coverage. Comprehensive insurance costs approximately $152 a year, collision costs $214, and liability coverage is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing $2,154 or more. Teenage drivers pay the most at $4,054 a year or more.

Average premium for full coverage: $998

Premium estimates by type of coverage:

Estimates include $500 physical damage deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and 3 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural locations are statistically proven to have fewer accident claims than densely populated cities.

The diagram below illustrates the effect of geographic area on auto insurance prices.

These rate differences show why it is important to get quotes using their specific location and their own personal driving habits, rather than using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $605
• Choosing higher $1,000 deductibles can save $914 a year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $998
• Using low $100 deductibles for comp and collision coverage costs an additional $160 each year
• Drivers who are prone to accidents and violations could pay around $2,154 or more
• An auto insurance policy with full coverage for a teenage driver can cost $4,054 each year

View Chart as Image

Insurance prices for a Mazda 3 also have a wide range based on the model of your 3, your driver profile, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $4,000 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying anywhere from $1,200 to $1,700 extra annually, depending on your age. A high-risk auto insurance policy ranges around 42% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $250 a year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Mazda 3 insurance rates. A good driver about age 40 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

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate prices, so the prices will be substantially different between companies.

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 Low Cost Mazda 3 Insurance

Finding better rates on auto insurance takes being a safe and courteous driver, having a good credit history, not filing small claims, and maximizing policy discounts. Take the time to compare rates at every policy renewal by requesting rates from direct carriers, and also from several local insurance agents.

Below is a review of the data covered in the above illustrations.

• Consumers who purchase higher levels of liability will pay an extra $520 each year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
• Drivers can save around $110 per year simply by quoting early and online
• Increasing policy deductibles could save up to $250 each year
• Teenage drivers are expensive to insure, as much as $338 per month including comprehensive and collision insurance