Mazda 3 Insurance Rates

The average insurance rates for a Mazda 3 are $1,030 a year including full coverage. Comprehensive costs approximately $162, collision costs $236, and liability costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance costing around $2,224. Teenage drivers cost the most to insure at $4,152 a year or more.

Average premium for full coverage: $1,030

Policy rates by type of insurance:

Rate estimates include $500 deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all 3 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The example below illustrates how rural and urban location affects auto insurance prices.

The examples above highlight why everyone should compare prices using their specific location, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $621
• Using higher $1,000 deductibles will save $90 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,030
• Using pricier low deductibles for physical damage coverage bumps up the cost to $1,202
• Drivers who are prone to accidents and violations could pay around $2,224 or more
• Policy cost that insures a teen driver for full coverage can cost $4,152 or more

View Chart as Image

Car insurance rates for a Mazda 3 also range considerably based on the model of your 3, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,200 to $1,800 extra every year, depending on your age. Mazda 3 insurance for high-risk drivers can be as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged in the ballpark of $4,100 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 $790 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,470 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $270 every year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, so rate quotes will be varied.

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 cheaper rates on car insurance requires not taking risks behind the wheel, having a positive credit history, paying for small claims out-of-pocket, and avoiding coverage lapses. Compare prices every time your policy renews by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.

The following is a brief recap of the information raised in the charts and tables above.

• You may be able to save around $120 per year simply by quoting online well ahead of the renewal date
• Teens pay the highest auto insurance rates, with premiums being up to $346 each month if full coverage is purchased
• Increasing comprehensive and collision deductibles can save approximately $250 each year
• Higher risk drivers who tend to receive serious violations will likely pay on average $1,190 more per year for 3 insurance
• Policyholders who purchase higher liability limits will pay an extra $520 per year to increase from a 30/60 limit to the 250/500 level