Mazda 3 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 19, 2024
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Estimated insurance rates for a Mazda 3 are $1,030 a year for full coverage. Comprehensive costs on average $162 each year, collision insurance costs $236, and liability costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs around $2,224. 16-year-old drivers pay the most at up to $4,152 a year.
Average premium for full coverage: $1,030
Premium estimates by type of coverage:
Full coverage includes $500 deductible amounts, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and 3 models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Mazda 3 range from the low end price of $522 for your basic liability-only policy to a high rate of $2,224 for coverage for higher-risk drivers.
Insurance Price Range by Location
Your location can make a big difference on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than congested cities. The graphic below illustrates how where you live affects car insurance rates.
These rate differences show why all drivers should compare rates based on a specific location, instead of making a decision based 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 shows average Mazda 3 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $621
- Drivers who choose higher $1,000 deductibles will pay around $90 a year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,030
- Buying low deductibles for comprehensive and collision insurance bumps up the cost to $1,202
- Drivers with multiple tickets or accidents could pay upwards of $2,224
- An auto insurance policy that insures a 16-year-old driver may cost $4,152 a year
Insurance prices for a Mazda 3 also have a wide range based on the trim level and model year, how you drive, and policy deductibles and limits.
If you have a few violations or you caused an accident, you could be paying at a minimum $1,200 to $1,800 extra annually, depending on your age. Insurance for high-risk drivers can cost 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 may pay as low as $1,000 per year on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $4,100 a year. View Rates by Age
Where you choose to live makes a big difference in Mazda 3 insurance prices. A 40-year-old driver could pay as low as $680 a year in states like Idaho, Maine, and Iowa, or at least $1,470 on average in Michigan, Louisiana, 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 could save up to $270 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit
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 More Affordable Mazda 3 Insurance
Finding better rates on insurance for a Mazda 3 not only requires having a good driving record, but also having above-average credit, not filing small claims, and determing if full coverage is necessary. Comparison shop at least once a year by getting rate quotes from direct carriers, and also from local exclusive and independent agents.
The next list is a summary of the primary concepts that were touched on in the above illustrations.
- Drivers can save as much as $120 per year just by quoting online in advance
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,190 more each year to buy Mazda 3 insurance
- Increasing policy deductibles can save approximately $250 each year
- Drivers age 20 and younger pay the highest prices, as much as $346 per month if full coverage is included
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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