Mazda 3 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 19, 2024

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U.S. average insurance rates for a Mazda 3 are $1,068 a year for full coverage. Comprehensive insurance costs approximately $174 each year, collision insurance costs $258, and liability costs around $478. Buying just liability costs as low as $526 a year, and insurance for high-risk drivers costs $2,304 or more. Teen drivers pay the highest rates at up to $4,276 a year.

Average premium for full coverage: $1,068

Price estimates by individual coverage:

Comprehensive $174
Collision $258
Liability $478

These estimates include $500 deductible amounts, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and 3 models.

Price Range from Low to High

Using a middle-aged driver as an example, Mazda 3 insurance prices range from the low end price of $526 for the bare minimum liability coverage to a high rate of $2,304 for a high-risk insurance policy.

Liability Only $526
Full Coverage $1,068
High Risk $2,304

Geographic Price Range

Where you live can make a big difference on car insurance rates. Rural locations have lower incidents of accident claims than larger metro areas. The graphic below illustrates how where you live affects auto insurance prices.

Rural Areas $801
Small Cities $1,121
Large Cities $1,442

The ranges above show why all drivers should compare prices using their specific location, instead of making a decision based on price averages.

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.

Additional Rate Information

The chart below shows average Mazda 3 insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $640
  • Using higher $1,000 deductibles will save $100 a year
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,068
  • Choosing low deductibles for physical damage coverage will cost an additional $186 annually
  • High-risk insureds with multiple violations and an at-fault accident could pay around $2,304
  • The price that insures a 16-year-old driver can cost $4,276 or more

View Chart as Image

Mazda 3 insurance cost comparison chart
Column chart showing Mazda 3 insurance prices range from $640 to $4,276 for full coverage

Insurance prices for a Mazda 3 are also quite variable based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,300 to $1,800 additional each year, depending on your age. Insurance for high-risk drivers can be from 42% to 135% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,000 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,200 a year. View Rates by Age

The state you live in has a huge impact on Mazda 3 insurance prices. A driver around age 40 might see prices as low as $700 a year in states like Iowa, Maine, and Idaho, or as much as $1,520 on average in New York, Louisiana, and Michigan.

Mazda 3 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $966 -$102 -9.6%
Alaska $820 -$248 -23.2%
Arizona $886 -$182 -17.0%
Arkansas $1,068 -$0 0.0%
California $1,216 $148 13.9%
Colorado $1,020 -$48 -4.5%
Connecticut $1,098 $30 2.8%
Delaware $1,210 $142 13.3%
Florida $1,336 $268 25.1%
Georgia $984 -$84 -7.9%
Hawaii $766 -$302 -28.3%
Idaho $722 -$346 -32.4%
Illinois $796 -$272 -25.5%
Indiana $804 -$264 -24.7%
Iowa $720 -$348 -32.6%
Kansas $1,016 -$52 -4.9%
Kentucky $1,458 $390 36.5%
Louisiana $1,580 $512 47.9%
Maine $658 -$410 -38.4%
Maryland $880 -$188 -17.6%
Massachusetts $856 -$212 -19.9%
Michigan $1,856 $788 73.8%
Minnesota $894 -$174 -16.3%
Mississippi $1,278 $210 19.7%
Missouri $946 -$122 -11.4%
Montana $1,148 $80 7.5%
Nebraska $842 -$226 -21.2%
Nevada $1,278 $210 19.7%
New Hampshire $770 -$298 -27.9%
New Jersey $1,194 $126 11.8%
New Mexico $944 -$124 -11.6%
New York $1,124 $56 5.2%
North Carolina $614 -$454 -42.5%
North Dakota $872 -$196 -18.4%
Ohio $738 -$330 -30.9%
Oklahoma $1,096 $28 2.6%
Oregon $978 -$90 -8.4%
Pennsylvania $1,020 -$48 -4.5%
Rhode Island $1,424 $356 33.3%
South Carolina $968 -$100 -9.4%
South Dakota $902 -$166 -15.5%
Tennessee $936 -$132 -12.4%
Texas $1,288 $220 20.6%
Utah $790 -$278 -26.0%
Vermont $732 -$336 -31.5%
Virginia $638 -$430 -40.3%
Washington $824 -$244 -22.8%
West Virginia $978 -$90 -8.4%
Wisconsin $738 -$330 -30.9%
Wyoming $954 -$114 -10.7%

View Chart as Image

Mazda 3 insurance rates by U.S. city

Choosing high deductibles could cut prices by as much as $290 annually, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $430 more each year. View Rates by Deductible or Liability Limit

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 $1,022 $85
Mazda 3 I SV 4-Dr Sedan $1,022 $85
Mazda 3 I Touring 4-Dr Sedan $1,068 $89
Mazda 3 S Sport 4-Dr Hatchback $1,090 $91
Mazda 3 S Sport 4-Dr Sedan $1,090 $91
Mazda 3 S Grand Touring 4-Dr Hatchback $1,112 $93
Mazda 3 S Grand Touring 4-Dr Sedan $1,112 $93

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 $308 $562 $372 $1,400
2023 Mazda 3 $294 $542 $390 $1,384
2022 Mazda 3 $282 $536 $398 $1,374
2021 Mazda 3 $272 $524 $416 $1,370
2020 Mazda 3 $262 $502 $430 $1,352
2019 Mazda 3 $248 $484 $442 $1,332
2018 Mazda 3 $238 $450 $452 $1,298
2017 Mazda 3 $230 $424 $456 $1,268
2016 Mazda 3 $220 $380 $460 $1,218
2015 Mazda 3 $206 $350 $460 $1,174
2014 Mazda 3 $198 $328 $464 $1,148
2012 Mazda 3 $180 $284 $474 $1,096
2011 Mazda 3 $174 $258 $478 $1,068
2010 Mazda 3 $162 $236 $474 $1,030

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 Find Cheap Mazda 3 Insurance

Getting lower rates on insurance for a Mazda 3 requires having a good driving record, having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Shop around at least every other year by obtaining price quotes from direct carriers, and also from insurance agencies where you live.

The next list is a brief summary of the car insurance concepts touched on in the above illustrations.

  • Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,240 more per year to buy Mazda 3 insurance
  • Drivers can save around $120 per year just by quoting online in advance
  • Increasing physical damage deductibles can save approximately $275 each year
  • Insureds who purchase increased levels of liability coverage will pay about $530 each year to increase from a low limit to the 250/500 level

Rates by Driver Age

Mazda 3 Insurance Rates by Driver Age
Driver Age Premium
16 $4,276
20 $2,452
30 $1,090
40 $1,068
50 $982
60 $960

Full coverage, $500 deductibles

Rates by Deductible

Mazda 3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,254
$250 $1,170
$500 $1,068
$1,000 $968

Full coverage, driver age 40

Rates by Liability Limit

Mazda 3 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,068
50/100 $1,208
100/300 $1,327
250/500 $1,638
100 CSL $1,255
300 CSL $1,518
500 CSL $1,710

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda 3 Insurance Rates for High Risk Drivers
Age Premium
16 $6,038
20 $3,912
30 $2,328
40 $2,304
50 $2,206
60 $2,182

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 $145

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $55
Multi-vehicle $58
Homeowner $19
5-yr Accident Free $67
5-yr Claim Free $68
Paid in Full/EFT $40
Advance Quote $48
Online Quote $73
Total Discounts $428
Rate after discounts $640

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

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