Mazda 3 Insurance Rates
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UPDATED: Apr 19, 2024
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Estimated insurance rates for a Mazda 3 are $1,068 a year for full coverage. Comprehensive insurance costs around $174 each year, collision costs $258, and liability coverage costs around $478. A policy with only liability insurance costs as low as $526 a year, with a high-risk policy costing $2,304 or more. Teen drivers pay the most at $4,276 a year or more.
Average premium for full coverage: $1,068
Premium estimates for type of coverage:
These estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and 3 models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Mazda 3 go from the low end price of $526 for just the minimum liability insurance to a high rate of $2,304 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Where you live has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than larger metro areas.
The graphic below illustrates how geographic area affects auto insurance rates.
These rate differences show why all drivers should compare prices for a specific zip code, rather than using 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 Analysis
The chart below shows estimated Mazda 3 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $640
- Using higher $1,000 deductibles will save about $100 a year
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,068
- Choosing low deductibles for physical damage coverage will cost an additional $186 each year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,304 or more
- An auto insurance policy that insures a teenage driver can be $4,276 or more
Car insurance prices for a Mazda 3 also have a wide range based on the trim level and model year, how you drive, and deductibles and policy limits.
If you have a few violations or you caused an accident, you could be paying at least $1,300 to $1,800 extra annually, depending on your age. Insurance for high-risk drivers can be around 42% to 135% more than average. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged as much as $4,200 a year. View Rates by Age
Where you choose to live has a huge impact on Mazda 3 insurance rates. A driver around age 40 might see prices as low as $700 a year in states like Idaho, Maine, and Iowa, or as much as $1,520 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing high deductibles could cut prices by as much as $290 a year, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $430 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to know your exact price is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, so rate quotes will be substantially different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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
Finding better rates on auto insurance requires being a low-risk driver, having a positive credit history, not filing small claims, and qualifying for all possible discounts. Shop around at every other renewal by obtaining price quotes from direct carriers, and also from several local insurance agents.
The items below are a brief summary of the concepts that were presented in the illustrations above.
- Drivers that tend to have accidents or serious violations pay on average $1,240 more every year to insure their 3
- Teen drivers are the costliest to insure, as much as $356 per month if full coverage is purchased
- Drivers can save up to $120 per year simply by quoting online in advance
- Increasing policy deductibles can save approximately $275 each year
- Drivers can save up to $120 per year simply by quoting online in advance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,254 |
| $250 | $1,170 |
| $500 | $1,068 |
| $1,000 | $968 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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