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 insurance. Comprehensive insurance costs an estimated $152 a year, collision costs $214, and liability is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers costing $2,154 or more. Teens receive the highest rates at $4,054 a year or more.

Average premium for full coverage: $998

Rate estimates broken down by individual coverage type:

Comprehensive $152
Collision $214
Liability $474

Includes $500 physical damage deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and 3 trim levels.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range go from the cheapest price of $522 for a discount liability-only rate to a high of $2,154 for high-risk insurance.

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

Price Range by Location

Living in a larger city can have significant affects on the price of insurance. More rural locations tend to have more infrequent physical damage claims than cities with more traffic congestion.

The diagram below illustrates the difference location can make on insurance prices.

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

These examples illustrate why it is important to get quotes for a targeted area 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.

Rates by State, City, and Model

The chart below illustrates estimated Mazda 3 insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $605
  • Choosing higher $1,000 deductibles can save approximately $914 each year
  • The average price for a 40-year-old driver who has $500 deductibles is $998
  • Selecting low $100 deductibles for comp and collision coverage costs an extra $160 every year
  • Unlucky drivers with serious driving violations could pay up to $2,154 or more
  • The cost to insure a teen driver can cost as much as $4,054 each year

View Chart as Image

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

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $250 every year, while buying higher liability limits will increase premiums. Switching 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

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

If you like to drive fast or you were responsible for an accident, you are probably paying $1,200 to $1,700 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 134% more than the average policy. View High Risk Driver Rates

Where you 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 North Carolina, Wisconsin, and Vermont, or have to pay at least $1,350 on average in Florida, New York, and Michigan.

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

With so much variability in rates, the only way to figure out which company is cheapest is to get quotes and see which company has the best rate. Each auto insurer calculates rates differently, and quoted rates can be significantly different.

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 Cheapest Mazda 3 Insurance

Saving money on car insurance takes being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates every couple of years by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below is a recap of the material that was touched on in this article.

  • Policyholders who want higher levels of liability will pay approximately $520 annually to raise limits from a minimum limit to a 250/500 level
  • Teenage drivers are the costliest to insure, costing up to $338 per month if comprehensive and collision insurance is included
  • Higher risk drivers that have major violations or accidents could be forced to pay on average $1,160 more annually for auto insurance
  • Increasing deductibles could save as much as $250 each year

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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