Mazda 3 Insurance Rates

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UPDATED: Apr 19, 2024

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Average insurance prices for a Mazda 3 are $998 every 12 months for full coverage. Comprehensive insurance costs around $152 each year, collision insurance costs $214, and liability is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs $2,154 or more. Teens receive the highest rates at up to $4,054 a year.

Average premium for full coverage: $998

Rate estimates for individual coverage type:

Comprehensive $152
Collision $214
Liability $474

Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and 3 models.

Price Range by Coverage and Risk

For an average driver, prices range range from the cheapest price of $522 for just liability insurance to a high rate of $2,154 for a high-risk insurance policy.

Liability Only $522
Full Coverage $998
High Risk $2,154

Price Range by Location

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than cities with more traffic congestion. The graphic below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $749
Small Cities $1,048
Large Cities $1,347

These examples show why all drivers should compare rates quotes for a specific zip code and their own driving history, instead of using 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.

More Rate Details

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

  • The cheapest rate after discounts is $605
  • Raising to $1,000 deductibles will save about $84 a year
  • The average price for a 40-year-old driver using $500 deductibles is $998
  • Selecting low deductibles costs an extra $160 every year
  • At-risk drivers with serious driving violations could pay at least $2,154
  • The cost to insure a teen driver can be $4,054

View Chart as Image

Mazda 3 insurance cost comparison chart
Column chart showing Mazda 3 insurance prices range from $605 to $4,054 for full coverage

Auto insurance rates for a Mazda 3 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $250 every year, whereas increasing liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as little as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $4,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at least $1,200 to $1,700 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 42% to 134% more than the average policy. View High Risk Driver Rates

Where you live also has a big influence on Mazda 3 insurance prices. A middle-age driver might find rates as low as $660 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,430 on average in Michigan, Louisiana, and New York.

Mazda 3 Insurance Rates by State
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%

View Chart as Image

Mazda 3 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Mazda 3 Insurance Rates by Model and Trim Level
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.

Mazda 3 Insurance Rates by Model Year
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 Shop for the Best Mazda 3 Insurance

Saving money on car insurance consists of having a decent driving record, having a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Take the time to compare rates at least every other year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a brief recap of the car insurance concepts covered in the above illustrations.

  • Higher risk drivers who tend to receive serious violations may pay on average $1,160 more every year than a driver with a clean driving record
  • Drivers can save up to $110 per year just by quoting online in advance
  • Increasing deductibles could save as much as $250 each year
  • Policyholders who may need additional liability coverage will pay approximately $520 each year to raise from a minimum limit to a 250/500 level

Rates by Driver Age

Mazda 3 Insurance 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

Mazda 3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,158
$250 $1,086
$500 $998
$1,000 $914

Full coverage, driver age 40

Rates by Liability Limit

Mazda 3 Insurance Rates with Different Liability Limits
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

Mazda 3 Insurance 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.

SR-22 Surcharge $135

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
Rate after discounts $605

Discounts are estimated and may not be available from every company or in every state.

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