Mazda 3 Insurance Rates

Estimated insurance rates for a Mazda 3 are $1,384 a year for full coverage insurance. Comprehensive insurance costs approximately $294 each year, collision costs $542, and liability is estimated at $390. Liability-only coverage costs approximately $452 a year, with high-risk coverage costing $2,992 or more. Teens pay the most at $5,148 a year or more.

Average premium for full coverage: $1,384

Premium estimates by type of coverage:

Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and 3 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion.

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

These rate differences illustrate why all drivers should get quotes using their specific location and risk profile, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $795
• Choosing higher $1,000 deductibles can save $190 each year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,384
• Selecting low deductibles for comp and collision coverage will cost an extra $366 annually
• Higher-risk drivers with serious driving violations could pay around $2,992 or more
• An auto insurance policy for full coverage for a 16-year-old driver can cost $5,148 each year

View Chart as Image

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

More mature drivers with a clean driving record and high deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay in the ballpark of $5,100 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Mazda 3 insurance prices. A good driver about age 40 could pay as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,870 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $560 annually, whereas increasing liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will cost up to $351 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers ranges from 43% to 129% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out who has the best car insurance prices is to do a rate comparison from multiple companies. Each auto insurer calculates prices differently, so the prices will be substantially different from one company to the next.

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 Find Affordable Mazda 3 Insurance

Finding better rates on insurance for a Mazda 3 takes being a low-risk driver, maintaining good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to shop around every couple of years by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a brief review of the material that was raised in the charts and tables above.

• Insureds who purchase more liability coverage will pay approximately $430 annually to raise limits from 30/60 bodily injury limits to 250/500 limits
• Teen drivers are expensive to insure, with premiums being up to $429 per month for full coverage
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,610 more per year to insure their 3
• Increasing policy deductibles can save around $550 each year