Mazda 3 Insurance Rates

Estimated insurance rates for a Mazda 3 are $998 a year with full coverage. Comprehensive costs an estimated $152, collision insurance costs $214, and liability costs around $474. Liability-only insurance costs as low as $522 a year, and high-risk driver insurance costs around $2,154. Teenage drivers pay the most at up to $4,054 a year.

Average premium for full coverage: $998

Premium estimates broken down by type of coverage:

Estimates include $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for different 3 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than densely populated cities. The price range example below illustrates how your location can change insurance prices.

These rate differences demonstrate why anyone shopping for car insurance should compare prices for a targeted area, instead of using average rates.

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

Rates by State, City, and Model

The chart below details average Mazda 3 insurance rates for other coverage scenarios.

• The best discount rate is $605
• Using higher $1,000 deductibles will save approximately $84 annually
• The estimated price for a 40-year-old good driver who has $500 deductibles is $998
• Using more expensive low deductibles for physical damage coverage bumps up the cost to $1,158
• Drivers who are prone to accidents and violations could pay up to $2,154
• An auto insurance policy that insures a teen driver with full coverage can cost as much as $4,054 or more

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Insurance prices for a Mazda 3 also have a wide range based on the model year and trim level, your age and driving habits, and liability limits and deductibles.

If you have a few violations or you caused an accident, you may be forking out $1,200 to $1,700 additional annually, depending on your age. High-risk driver insurance can be as much as 42% to 134% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $4,000 a year. View Rates by Age

Where you choose to live has a huge impact on Mazda 3 insurance prices. A driver around age 40 might see prices as low as $720 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,350 on average in New York, Michigan, and Florida.

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Using high physical damage deductibles could cut prices by as much as $250 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

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 Low Cost Mazda 3 Insurance

Finding better rates on car insurance requires avoiding accidents and claims, having a good credit score, being claim-free, and possibly raising deductibles. Compare prices at every policy renewal by obtaining price quotes from direct companies, and also from insurance agencies where you live.

The points below are a review of the data illustrated above.

• Policyholders who want increased liability limits will pay an extra $520 every year to increase from 30/60 bodily injury limits to the 250/500 level
• You may be able to save approximately $110 per year just by shopping early and online
• Increasing policy deductibles can save approximately $250 each year
• Drivers under the age of 20 are expensive to insure, possibly costing $338 per month if comprehensive and collision insurance is included