Mazda 3 Insurance Rates
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UPDATED: Apr 19, 2024
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Average insurance rates for a Mazda 3 are $1,030 a year with full coverage. Comprehensive insurance costs around $162 each year, collision costs $236, and liability insurance is $474. A liability-only policy costs around $522 a year, with high-risk insurance costing $2,224 or more. 16-year-old drivers receive the highest rates at $4,152 a year or more.
Average premium for full coverage: $1,030
Rate estimates for individual coverage type:
Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and 3 models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the low end price of $522 for your basic liability-only policy to a high rate of $2,224 for high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than congested cities.
The graphic below illustrates the difference location can make on auto insurance rates.
These examples demonstrate why all drivers should compare rates quotes for a specific zip code, rather than relying on rate 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.
More Rate Information
The chart below details estimated Mazda 3 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $621
- Raising to $1,000 deductibles will save about $90 annually
- The estimated price for a 40-year-old driver using $500 deductibles is $1,030
- Buying low deductibles will cost an additional $172 a year
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,224 or more
- The cost that insures a teen driver can be $4,152
Insurance rates for a Mazda 3 can also vary considerably based on the trim level and model year, your age and driving habits, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you may be forking out at least $1,200 to $1,800 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 130% more than the average rate. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,000 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay as much as $4,100 a year. View Rates by Age
Where you live also has a big influence on Mazda 3 insurance rates. A middle-age driver might find rates as low as $740 a year in states like New Hampshire, Ohio, and Utah, or at least $1,390 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $930 | -$100 | -9.7% |
| Alaska | $788 | -$242 | -23.5% |
| Arizona | $854 | -$176 | -17.1% |
| Arkansas | $1,030 | -$0 | 0.0% |
| California | $1,174 | $144 | 14.0% |
| Colorado | $982 | -$48 | -4.7% |
| Connecticut | $1,058 | $28 | 2.7% |
| Delaware | $1,166 | $136 | 13.2% |
| Florida | $1,288 | $258 | 25.0% |
| Georgia | $950 | -$80 | -7.8% |
| Hawaii | $740 | -$290 | -28.2% |
| Idaho | $696 | -$334 | -32.4% |
| Illinois | $766 | -$264 | -25.6% |
| Indiana | $774 | -$256 | -24.9% |
| Iowa | $696 | -$334 | -32.4% |
| Kansas | $980 | -$50 | -4.9% |
| Kentucky | $1,406 | $376 | 36.5% |
| Louisiana | $1,522 | $492 | 47.8% |
| Maine | $636 | -$394 | -38.3% |
| Maryland | $848 | -$182 | -17.7% |
| Massachusetts | $824 | -$206 | -20.0% |
| Michigan | $1,790 | $760 | 73.8% |
| Minnesota | $862 | -$168 | -16.3% |
| Mississippi | $1,232 | $202 | 19.6% |
| Missouri | $914 | -$116 | -11.3% |
| Montana | $1,106 | $76 | 7.4% |
| Nebraska | $812 | -$218 | -21.2% |
| Nevada | $1,234 | $204 | 19.8% |
| New Hampshire | $740 | -$290 | -28.2% |
| New Jersey | $1,152 | $122 | 11.8% |
| New Mexico | $912 | -$118 | -11.5% |
| New York | $1,084 | $54 | 5.2% |
| North Carolina | $594 | -$436 | -42.3% |
| North Dakota | $842 | -$188 | -18.3% |
| Ohio | $710 | -$320 | -31.1% |
| Oklahoma | $1,058 | $28 | 2.7% |
| Oregon | $942 | -$88 | -8.5% |
| Pennsylvania | $982 | -$48 | -4.7% |
| Rhode Island | $1,372 | $342 | 33.2% |
| South Carolina | $932 | -$98 | -9.5% |
| South Dakota | $868 | -$162 | -15.7% |
| Tennessee | $902 | -$128 | -12.4% |
| Texas | $1,242 | $212 | 20.6% |
| Utah | $762 | -$268 | -26.0% |
| Vermont | $706 | -$324 | -31.5% |
| Virginia | $618 | -$412 | -40.0% |
| Washington | $798 | -$232 | -22.5% |
| West Virginia | $942 | -$88 | -8.5% |
| Wisconsin | $714 | -$316 | -30.7% |
| Wyoming | $918 | -$112 | -10.9% |
Opting for high physical damage deductibles can reduce rates by up to $270 each year, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out your exact price is to do a rate comparison from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda 3 I Sport 4-Dr Sedan | $990 | $83 |
| Mazda 3 I SV 4-Dr Sedan | $990 | $83 |
| Mazda 3 I Touring 4-Dr Sedan | $1,030 | $86 |
| Mazda 3 S Sport 4-Dr Hatchback | $1,050 | $88 |
| Mazda 3 S Sport 4-Dr Sedan | $1,050 | $88 |
| Mazda 3 S Grand Touring 4-Dr Hatchback | $1,070 | $89 |
| Mazda 3 S Grand Touring 4-Dr Sedan | $1,070 | $89 |
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 | $294 | $542 | $390 | $1,384 |
| 2023 Mazda 3 | $282 | $536 | $398 | $1,374 |
| 2022 Mazda 3 | $272 | $524 | $416 | $1,370 |
| 2021 Mazda 3 | $262 | $502 | $430 | $1,352 |
| 2020 Mazda 3 | $248 | $484 | $442 | $1,332 |
| 2019 Mazda 3 | $238 | $450 | $452 | $1,298 |
| 2018 Mazda 3 | $230 | $424 | $456 | $1,268 |
| 2017 Mazda 3 | $220 | $380 | $460 | $1,218 |
| 2016 Mazda 3 | $206 | $350 | $460 | $1,174 |
| 2015 Mazda 3 | $198 | $328 | $464 | $1,148 |
| 2014 Mazda 3 | $194 | $306 | $474 | $1,132 |
| 2012 Mazda 3 | $174 | $258 | $478 | $1,068 |
| 2011 Mazda 3 | $162 | $236 | $474 | $1,030 |
| 2010 Mazda 3 | $152 | $214 | $474 | $998 |
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 Cheaper Mazda 3 Insurance
Saving money on Mazda 3 insurance consists of having a decent driving record, having above-average credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Comparison shop every couple of years by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following items are a condensed summary of the material that was touched on in this article.
- Drivers who may need additional liability coverage will pay around $520 every year to raise from a minimum limit to the 250/500 level
- 16 to 18-year-old drivers pay higher rates, with premiums as much as $346 per month if full coverage is included
- High-risk drivers with multiple at-fault accidents may pay on average $1,190 more every year than a driver with a clean driving record
- Increasing deductibles can save approximately $250 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,152 |
| 20 | $2,364 |
| 30 | $1,048 |
| 40 | $1,030 |
| 50 | $946 |
| 60 | $926 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,202 |
| $250 | $1,124 |
| $500 | $1,030 |
| $1,000 | $940 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,030 |
| 50/100 | $1,165 |
| 100/300 | $1,283 |
| 250/500 | $1,591 |
| 100 CSL | $1,212 |
| 300 CSL | $1,473 |
| 500 CSL | $1,663 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,854 |
| 20 | $3,774 |
| 30 | $2,240 |
| 40 | $2,224 |
| 50 | $2,126 |
| 60 | $2,104 |
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 | $52 |
| Multi-vehicle | $56 |
| Homeowner | $18 |
| 5-yr Accident Free | $64 |
| 5-yr Claim Free | $65 |
| Paid in Full/EFT | $38 |
| Advance Quote | $46 |
| Online Quote | $70 |
| Total Discounts | $409 |
Discounts are estimated and may not be available from every company or in every state.
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