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 23, 2024

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U.S. average insurance rates for a Mazda 3 are $1,384 a year for full coverage. Comprehensive costs approximately $294 each year, collision costs $542, and liability costs $390. Buying just liability costs as little as $452 a year, with insurance for high-risk drivers costing around $2,992. 16-year-old drivers pay the highest rates at $5,148 a year or more.

Average premium for full coverage: $1,384

Price estimates by individual coverage:

Comprehensive $294
Collision $542
Liability $390

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and 3 models.

Price Range from Low to High

Using a 40-year-old driver as an example, Mazda 3 insurance prices go from as low as $452 for just the minimum liability insurance to a high rate of $2,992 for a policy for a high-risk driver.

Liability Only $452
Full Coverage $1,384
High Risk $2,992

Geographic Price Range

Your location can have significant affects on car insurance rates. Rural locations have a lower frequency of accident claims than congested cities.

The graphic below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $1,038
Small Cities $1,453
Large Cities $1,868

The ranges above show why all drivers should compare rates using their specific location and risk profile, instead of using 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.

Additional Rate Analysis

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

  • The best full coverage rate is $795
  • Drivers who choose higher $1,000 deductibles will pay $190 a year
  • The average rate for the average middle-age driver who chooses $500 deductibles is $1,384
  • Buying low deductibles for comprehensive and collision insurance will increase the cost to $1,750
  • Higher-risk drivers with multiple tickets or accidents could pay around $2,992 or more
  • The price for full coverage for a teen driver can cost $5,148 a year

View Chart as Image

Mazda 3 insurance cost comparison chart
Column chart showing full coverage Mazda 3 insurance rates range from $795 to $5,148

Insurance prices for a Mazda 3 are also quite variable based on your driving record, the trim level of your 3, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high deductibles may pay as little as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age

The state you live in makes a big difference in Mazda 3 insurance prices. A 40-year-old driver could pay as low as $910 a year in states like Iowa, Maine, and Idaho, or at least $1,970 on average in New York, Louisiana, and Michigan.

Mazda 3 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,250 -$134 -9.7%
Alaska $1,060 -$324 -23.4%
Arizona $1,148 -$236 -17.1%
Arkansas $1,384 -$0 0.0%
California $1,574 $190 13.7%
Colorado $1,320 -$64 -4.6%
Connecticut $1,422 $38 2.7%
Delaware $1,566 $182 13.2%
Florida $1,730 $346 25.0%
Georgia $1,278 -$106 -7.7%
Hawaii $992 -$392 -28.3%
Idaho $934 -$450 -32.5%
Illinois $1,030 -$354 -25.6%
Indiana $1,042 -$342 -24.7%
Iowa $934 -$450 -32.5%
Kansas $1,314 -$70 -5.1%
Kentucky $1,886 $502 36.3%
Louisiana $2,048 $664 48.0%
Maine $854 -$530 -38.3%
Maryland $1,140 -$244 -17.6%
Massachusetts $1,106 -$278 -20.1%
Michigan $2,404 $1,020 73.7%
Minnesota $1,156 -$228 -16.5%
Mississippi $1,656 $272 19.7%
Missouri $1,226 -$158 -11.4%
Montana $1,486 $102 7.4%
Nebraska $1,092 -$292 -21.1%
Nevada $1,658 $274 19.8%
New Hampshire $996 -$388 -28.0%
New Jersey $1,546 $162 11.7%
New Mexico $1,226 -$158 -11.4%
New York $1,458 $74 5.3%
North Carolina $796 -$588 -42.5%
North Dakota $1,132 -$252 -18.2%
Ohio $956 -$428 -30.9%
Oklahoma $1,422 $38 2.7%
Oregon $1,268 -$116 -8.4%
Pennsylvania $1,320 -$64 -4.6%
Rhode Island $1,846 $462 33.4%
South Carolina $1,254 -$130 -9.4%
South Dakota $1,166 -$218 -15.8%
Tennessee $1,212 -$172 -12.4%
Texas $1,668 $284 20.5%
Utah $1,024 -$360 -26.0%
Vermont $946 -$438 -31.6%
Virginia $828 -$556 -40.2%
Washington $1,068 -$316 -22.8%
West Virginia $1,268 -$116 -8.4%
Wisconsin $958 -$426 -30.8%
Wyoming $1,234 -$150 -10.8%

View Chart as Image

Mazda 3 insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $560 every year, whereas increasing liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $351 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,600 to $2,200 additional each year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 129% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to do a rate comparison and see which company has the best price. Every company utilizes a different rate formula, and prices may be quite different from one company to the next.

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 $1,298 $108
Mazda 3 I SV 4-Dr Sedan $1,298 $108
Mazda 3 I Touring 4-Dr Sedan $1,384 $115
Mazda 3 S Sport 4-Dr Hatchback $1,424 $119
Mazda 3 S Sport 4-Dr Sedan $1,424 $119
Mazda 3 S Grand Touring 4-Dr Hatchback $1,468 $122
Mazda 3 S Grand Touring 4-Dr Sedan $1,468 $122

Rates assume 2024 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 $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
2013 Mazda 3 $180 $284 $474 $1,096
2012 Mazda 3 $174 $258 $478 $1,068
2011 Mazda 3 $162 $236 $474 $1,030
2010 Mazda 3 $152 $214 $474 $998
2009 Mazda 3 $148 $192 $468 $966
2008 Mazda 3 $146 $188 $460 $952
2007 Mazda 3 $144 $178 $452 $932
2005 Mazda 3 $126 $162 $442 $888

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

Getting lower rates on car insurance not only requires avoiding accidents and violations, but also having a good credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around every year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The list below is a condensed summary of the coverage data raised in the charts and tables above.

  • Drivers can save around $170 per year simply by quoting online in advance
  • Increasing physical damage deductibles can save around $550 each year
  • Teenagers are the costliest to insure, with premiums as much as $429 a month including comprehensive and collision insurance
  • Higher risk drivers with multiple at-fault accidents may pay on average $1,610 more per year for car insurance

Rates by Driver Age

Mazda 3 Insurance Rates by Driver Age
Driver Age Premium
16 $5,148
20 $3,196
30 $1,442
40 $1,384
50 $1,264
60 $1,238

Full coverage, $500 deductibles

Rates by Deductible

Mazda 3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,750
$250 $1,580
$500 $1,384
$1,000 $1,194

Full coverage, driver age 40

Rates by Liability Limit

Mazda 3 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,384
50/100 $1,546
100/300 $1,644
250/500 $1,897
100 CSL $1,585
300 CSL $1,800
500 CSL $1,956

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda 3 Insurance Rates for High Risk Drivers
Age Premium
16 $7,348
20 $5,084
30 $3,058
40 $2,992
50 $2,854
60 $2,830

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 $193

Potential Rate Discounts

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

Discount Savings
Multi-policy $74
Multi-vehicle $72
Homeowner $20
5-yr Accident Free $103
5-yr Claim Free $89
Paid in Full/EFT $64
Advance Quote $69
Online Quote $98
Total Discounts $589
Rate after discounts $795

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

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