Mazda 3 Insurance Rates

The average insurance rates for a Mazda 3 are $998 a year with full coverage. Comprehensive costs an estimated $152, collision costs $214, and liability costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing around $2,154. Teenage drivers cost the most to insure at $4,054 a year or more.

Average premium for full coverage: $998

Policy rates broken down by type of insurance:

Price estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for different 3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than densely populated cities.

The price range example below illustrates how geographic area affects insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of making a decision based on average rates.

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

Additional Rate Information

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

• The best discount rate is $605
• Using higher $1,000 deductibles will save approximately $84 annually
• The average rate for a good driver age 40 who has $500 deductibles is $998
• Using more expensive low deductibles for physical damage coverage will increase the cost to $1,158
• High-risk insureds who are prone to accidents and violations could pay up to $2,154 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage can cost as much as $4,054 or more

View Chart as Image

Insurance rates for a Mazda 3 also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $4,000 a year. View Rates by Age

Your home state has a huge impact on Mazda 3 insurance prices. A driver around age 40 might see rates as low as $720 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,350 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $250 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,200 to $1,700 additional every year, depending on your age. High-risk driver insurance can be from 42% to 134% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to compare rates from multiple companies. Each insurance company uses a different method to calculate rates, and rates will be varied 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 Cheaper Mazda 3 Insurance

Finding cheaper rates on insurance for a Mazda 3 requires being a low-risk driver, having a good credit history, not filing small claims, and maximizing policy discounts. Invest the time to compare rates at least once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a condensed summary of the primary concepts that were presented in the illustrations above.

• You may be able to save approximately $110 per year simply by shopping early and online
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,160 more annually to insure their 3
• Increasing comprehensive and collision deductibles can save around $250 each year
• Teen drivers are expensive to insure, as much as $338 each month including comprehensive and collision insurance