Mazda 3 Insurance Rates

U.S. average auto insurance rates for a Mazda 3 are $1,400 annually with full coverage. Comprehensive insurance costs on average $308 each year, collision costs $562, and liability is estimated at $372. Liability-only insurance costs approximately $438 a year, with high-risk driver insurance costing $3,030 or more. Teenage drivers pay the highest rates at $5,174 a year or more.

Average premium for full coverage: $1,400

Price estimates by individual coverage:

Rates are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and 3 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on auto insurance rates. Rural areas have fewer collision claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above demonstrate why all drivers should get quotes based on a specific location and their own personal driving habits, instead of using average rates.

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

Rate Comparisons

The chart below details estimated Mazda 3 insurance rates for different risk profiles and scenarios.

• The best discount rate is $804
• Choosing higher $1,000 deductibles can save around $196 annually
• The estimated rate for the average middle-age driver with $500 deductibles is $1,400
• Using low deductibles for comp and collision coverage costs an additional $386 every year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $3,030 or more
• The price with full coverage for a teen driver may cost $5,174 each year

View Chart as Image

Car insurance prices for a Mazda 3 are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged upwards of $5,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,700 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $590 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Mazda 3 insurance prices. A good driver about age 40 could pay as low as $1,010 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,890 on average in Florida, Michigan, and New York.

View Chart as Image

Since prices can be so different, the best way to find out exactly what you will pay is to do a rate comparison and see which company has the best price. Each auto insurer uses a different method to calculate prices, so rate quotes may be quite different between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy the Best Cheap Mazda 3 Insurance

Getting lower rates on car insurance takes being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at every other renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below is a quick review of the concepts that were covered above.

• Higher risk drivers with a DUI or reckless driving violation pay an average of $1,630 more each year for auto insurance
• Teenage drivers are expensive to insure, costing up to $431 a month if comprehensive and collision insurance is included
• You may be able to save as much as $170 per year simply by quoting online in advance
• Increasing physical damage deductibles could save up to $575 each year
• You may be able to save as much as $170 per year simply by quoting online in advance