Mazda 3 Insurance Rates

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

Average premium for full coverage: $998

Premium estimates for type of coverage:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and for different 3 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences show why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, instead of using average rates.

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

Detailed Rate Analysis

The chart below shows estimated Mazda 3 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $605
• Choosing higher $1,000 deductibles can save about $84 a year
• The average rate for a 40-year-old good driver using $500 deductibles is $998
• Using more expensive low deductibles for comp and collision coverage will increase the cost to $1,158
• Unlucky drivers who are prone to accidents and violations could pay at least $2,154 or more
• An auto insurance policy for full coverage for a teen driver with full coverage can be $4,054 each year

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Insurance prices for a Mazda 3 also have a wide range based on your driving characteristics, the trim level of your 3, and deductibles and policy limits.

An older driver with no violations or accidents and high deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay as much as $4,000 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Mazda 3 insurance prices. A good driver about age 40 could pay as low as $660 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,430 on average in Michigan, Louisiana, and New York.

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Using high physical damage deductibles can save as much as $250 every year, while increasing your policy's liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $1,200 to $1,700 additional annually, depending on your age. High-risk driver insurance ranges as much as 42% to 134% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to know your exact price is to compare prices and see which company has the best price. Each auto insurer uses a different method to calculate prices, and prices will be substantially different from one company to the next.

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 the Best Mazda 3 Insurance

Finding better rates on car insurance takes avoiding accidents and claims, having a good credit history, not filing small claims, and taking advantage of discounts. Set aside time to compare rates every time your policy renews by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The points below are a brief recap of the information covered above.

• Drivers can save up to $110 per year simply by shopping early and online
• Drivers under the age of 20 are charged the highest prices, as much as $338 per month including comprehensive and collision insurance
• Increasing policy deductibles can save around $250 each year
• Higher risk drivers who tend to receive serious violations may be required to pay an average of $1,160 more every year to insure a Mazda 3
• Policyholders who may need increased liability limits will pay an extra $520 each year to raise limits from 30/60 bodily injury limits to 250/500 limits