Mazda 3 Insurance Rates
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UPDATED: Apr 23, 2024
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U.S. average insurance prices for a Mazda 3 are $1,400 every 12 months for full coverage. Comprehensive insurance costs around $308, collision costs $562, and liability coverage costs around $372. A policy with just liability insurance costs as low as $438 a year, with coverage for high-risk drivers costing $3,030 or more. 16-year-old drivers pay the highest rates at $5,174 a year or more.
Average premium for full coverage: $1,400
Price estimates for individual coverage:
Estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for different 3 trim levels.
Price Range from Low to High
For the average driver, Mazda 3 insurance prices go from the cheapest price of $438 for just liability insurance to a much higher rate of $3,030 for a driver who has had serious violations or accidents.
Geographic Price Range
Where you live has a large influence on auto insurance rates. Areas with sparse population have more infrequent accident claims than congested cities.
The price range example below illustrates how location impacts auto insurance rates.
The ranges above show why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, rather than 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.
More Rate Details
The chart below shows estimated Mazda 3 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $804
- Using higher $1,000 deductibles will save about $196 a year
- The average price for the average middle-age driver using $500 deductibles is $1,400
- Buying more expensive low deductibles for physical damage coverage costs an extra $386 each year
- Higher-risk drivers with multiple tickets or accidents could pay at least $3,030 or more
- The price to insure a teenage driver with full coverage can be $5,174 or more
Insurance prices for a Mazda 3 are also quite variable based on deductibles and policy limits, your driver profile, and the trim level and model year.
Opting for high physical damage deductibles could cut prices by as much as $590 a year, while increasing your policy's liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $335 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may only pay around $1,300 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay as much as $5,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at least $1,700 to $2,300 extra each year, depending on your age. High-risk driver insurance can be around 44% to 136% more than the average rate. View High Risk Driver Rates
The state you live in has a huge impact on Mazda 3 insurance rates. A driver around age 40 might see prices as low as $920 a year in states like Idaho, Maine, and Iowa, or at least $2,000 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,266 | -$134 | -9.6% |
| Alaska | $1,076 | -$324 | -23.1% |
| Arizona | $1,164 | -$236 | -16.9% |
| Arkansas | $1,400 | -$0 | 0.0% |
| California | $1,596 | $196 | 14.0% |
| Colorado | $1,340 | -$60 | -4.3% |
| Connecticut | $1,440 | $40 | 2.9% |
| Delaware | $1,586 | $186 | 13.3% |
| Florida | $1,754 | $354 | 25.3% |
| Georgia | $1,294 | -$106 | -7.6% |
| Hawaii | $1,008 | -$392 | -28.0% |
| Idaho | $948 | -$452 | -32.3% |
| Illinois | $1,046 | -$354 | -25.3% |
| Indiana | $1,054 | -$346 | -24.7% |
| Iowa | $946 | -$454 | -32.4% |
| Kansas | $1,332 | -$68 | -4.9% |
| Kentucky | $1,912 | $512 | 36.6% |
| Louisiana | $2,076 | $676 | 48.3% |
| Maine | $866 | -$534 | -38.1% |
| Maryland | $1,156 | -$244 | -17.4% |
| Massachusetts | $1,122 | -$278 | -19.9% |
| Michigan | $2,434 | $1,034 | 73.9% |
| Minnesota | $1,174 | -$226 | -16.1% |
| Mississippi | $1,678 | $278 | 19.9% |
| Missouri | $1,244 | -$156 | -11.1% |
| Montana | $1,504 | $104 | 7.4% |
| Nebraska | $1,106 | -$294 | -21.0% |
| Nevada | $1,680 | $280 | 20.0% |
| New Hampshire | $1,010 | -$390 | -27.9% |
| New Jersey | $1,566 | $166 | 11.9% |
| New Mexico | $1,240 | -$160 | -11.4% |
| New York | $1,476 | $76 | 5.4% |
| North Carolina | $808 | -$592 | -42.3% |
| North Dakota | $1,146 | -$254 | -18.1% |
| Ohio | $966 | -$434 | -31.0% |
| Oklahoma | $1,440 | $40 | 2.9% |
| Oregon | $1,284 | -$116 | -8.3% |
| Pennsylvania | $1,338 | -$62 | -4.4% |
| Rhode Island | $1,868 | $468 | 33.4% |
| South Carolina | $1,270 | -$130 | -9.3% |
| South Dakota | $1,182 | -$218 | -15.6% |
| Tennessee | $1,228 | -$172 | -12.3% |
| Texas | $1,688 | $288 | 20.6% |
| Utah | $1,038 | -$362 | -25.9% |
| Vermont | $958 | -$442 | -31.6% |
| Virginia | $840 | -$560 | -40.0% |
| Washington | $1,084 | -$316 | -22.6% |
| West Virginia | $1,284 | -$116 | -8.3% |
| Wisconsin | $972 | -$428 | -30.6% |
| Wyoming | $1,250 | -$150 | -10.7% |
Since prices can be so different, the only way to know your exact price is to compare prices and see how they stack up. Each insurance company utilizes a different rate formula, so the prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda 3 I Sport 4-Dr Sedan | $1,310 | $109 |
| Mazda 3 I SV 4-Dr Sedan | $1,310 | $109 |
| Mazda 3 I Touring 4-Dr Sedan | $1,400 | $117 |
| Mazda 3 S Sport 4-Dr Hatchback | $1,446 | $121 |
| Mazda 3 S Sport 4-Dr Sedan | $1,446 | $121 |
| Mazda 3 S Grand Touring 4-Dr Hatchback | $1,492 | $124 |
| Mazda 3 S Grand Touring 4-Dr Sedan | $1,492 | $124 |
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.
| 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 |
| 2013 Mazda 3 | $194 | $306 | $474 | $1,132 |
| 2012 Mazda 3 | $180 | $284 | $474 | $1,096 |
| 2011 Mazda 3 | $174 | $258 | $478 | $1,068 |
| 2010 Mazda 3 | $162 | $236 | $474 | $1,030 |
| 2009 Mazda 3 | $152 | $214 | $474 | $998 |
| 2008 Mazda 3 | $148 | $192 | $468 | $966 |
| 2007 Mazda 3 | $146 | $188 | $460 | $952 |
| 2005 Mazda 3 | $132 | $170 | $446 | $906 |
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 Shop for Low Cost Mazda 3 Insurance
Getting lower rates on auto insurance requires being a safe and courteous driver, having good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Spend time shopping around every other policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below is a review of the ideas that were touched on above.
- Teenage drivers pay higher prices, with premiums as much as $431 a month if they have full coverage
- Drivers who have several accidents or serious violations may pay on average $1,630 more every year for auto insurance
- Increasing physical damage deductibles could save as much as $575 each year
- Drivers can save up to $170 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,174 |
| 20 | $3,236 |
| 30 | $1,466 |
| 40 | $1,400 |
| 50 | $1,280 |
| 60 | $1,254 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,786 |
| $250 | $1,606 |
| $500 | $1,400 |
| $1,000 | $1,204 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,400 |
| 50/100 | $1,566 |
| 100/300 | $1,659 |
| 250/500 | $1,901 |
| 100 CSL | $1,604 |
| 300 CSL | $1,808 |
| 500 CSL | $1,957 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,388 |
| 20 | $5,140 |
| 30 | $3,098 |
| 40 | $3,030 |
| 50 | $2,888 |
| 60 | $2,862 |
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 | $75 |
| Multi-vehicle | $72 |
| Homeowner | $20 |
| 5-yr Accident Free | $105 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $65 |
| Advance Quote | $70 |
| Online Quote | $99 |
| Total Discounts | $596 |
Discounts are estimated and may not be available from every company or in every state.
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