Mazda CX-3 Insurance Rates
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UPDATED: Apr 2, 2024
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The average insurance rates for a Mazda CX-3 are $1,248 a year for full coverage insurance. Comprehensive costs on average $238 a year, collision insurance costs $400, and liability is estimated at $452. Liability-only insurance costs approximately $504 a year, and high-risk driver insurance costs around $2,698. Teens cost the most to insure at up to $4,804 a year.
Average premium for full coverage: $1,248
Policy rates by type of insurance:
Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and CX-3 trim levels.
Price Range Variability
For the average 40-year-old driver, Mazda CX-3 insurance rates range from as low as $504 for liability-only coverage to a high of $2,698 for a high-risk insurance policy.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on car insurance rates.
The examples above illustrate why it is important to get quotes based on a 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.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below illustrates average Mazda CX-3 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $731
- Choosing higher $1,000 deductibles can save around $1,104 each year
- The average rate for a good driver age 40 with $500 deductibles is $1,248
- Selecting low $100 deductibles for comp and collision coverage will increase the cost to $1,528
- Higher-risk drivers with serious driving violations could pay upwards of $2,698
- Policy cost for full coverage for a 16-year-old driver may cost $4,804 each year
Auto insurance rates for a Mazda CX-3 also range considerably based on your risk profile, the model year and trim level, and policy deductibles and limits.
Older drivers with a good driving record and high deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay upwards of $4,800 a year. View Rates by Age
Your home state plays a big part in determining prices for Mazda CX-3 insurance prices. A good driver about age 40 could pay as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,690 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,130 | -$118 | -9.5% |
| Alaska | $956 | -$292 | -23.4% |
| Arizona | $1,036 | -$212 | -17.0% |
| Arkansas | $1,248 | -$0 | 0.0% |
| California | $1,422 | $174 | 13.9% |
| Colorado | $1,192 | -$56 | -4.5% |
| Connecticut | $1,284 | $36 | 2.9% |
| Delaware | $1,412 | $164 | 13.1% |
| Florida | $1,562 | $314 | 25.2% |
| Georgia | $1,152 | -$96 | -7.7% |
| Hawaii | $896 | -$352 | -28.2% |
| Idaho | $844 | -$404 | -32.4% |
| Illinois | $930 | -$318 | -25.5% |
| Indiana | $940 | -$308 | -24.7% |
| Iowa | $842 | -$406 | -32.5% |
| Kansas | $1,186 | -$62 | -5.0% |
| Kentucky | $1,704 | $456 | 36.5% |
| Louisiana | $1,848 | $600 | 48.1% |
| Maine | $770 | -$478 | -38.3% |
| Maryland | $1,028 | -$220 | -17.6% |
| Massachusetts | $998 | -$250 | -20.0% |
| Michigan | $2,168 | $920 | 73.7% |
| Minnesota | $1,044 | -$204 | -16.3% |
| Mississippi | $1,494 | $246 | 19.7% |
| Missouri | $1,106 | -$142 | -11.4% |
| Montana | $1,340 | $92 | 7.4% |
| Nebraska | $984 | -$264 | -21.2% |
| Nevada | $1,498 | $250 | 20.0% |
| New Hampshire | $900 | -$348 | -27.9% |
| New Jersey | $1,394 | $146 | 11.7% |
| New Mexico | $1,106 | -$142 | -11.4% |
| New York | $1,314 | $66 | 5.3% |
| North Carolina | $720 | -$528 | -42.3% |
| North Dakota | $1,024 | -$224 | -17.9% |
| Ohio | $862 | -$386 | -30.9% |
| Oklahoma | $1,280 | $32 | 2.6% |
| Oregon | $1,142 | -$106 | -8.5% |
| Pennsylvania | $1,192 | -$56 | -4.5% |
| Rhode Island | $1,664 | $416 | 33.3% |
| South Carolina | $1,130 | -$118 | -9.5% |
| South Dakota | $1,054 | -$194 | -15.5% |
| Tennessee | $1,092 | -$156 | -12.5% |
| Texas | $1,506 | $258 | 20.7% |
| Utah | $924 | -$324 | -26.0% |
| Vermont | $856 | -$392 | -31.4% |
| Virginia | $748 | -$500 | -40.1% |
| Washington | $964 | -$284 | -22.8% |
| West Virginia | $1,142 | -$106 | -8.5% |
| Wisconsin | $864 | -$384 | -30.8% |
| Wyoming | $1,112 | -$136 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $430 annually, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges from 44% to 134% more than the average policy. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Mazda CX-3 | $272 | $466 | $416 | $1,312 |
| 2020 Mazda CX-3 | $262 | $446 | $430 | $1,296 |
| 2019 Mazda CX-3 | $248 | $430 | $442 | $1,278 |
| 2018 Mazda CX-3 | $238 | $400 | $452 | $1,248 |
| 2017 Mazda CX-3 | $230 | $376 | $456 | $1,220 |
| 2016 Mazda CX-3 | $220 | $338 | $460 | $1,176 |
Rates are averaged for all Mazda CX-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 the Best Cheap Mazda CX-3 Insurance
Finding cheaper rates on insurance for a Mazda CX-3 takes avoiding accidents and claims, having good credit, being claim-free, and deciding if full coverage is necessary. Make time to compare rates at least every other year by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The points below are a quick review of the car insurance concepts touched on in this article.
- Drivers considered higher risk with a DUI or reckless driving violation pay an average of $1,450 more each year to insure a Mazda CX-3
- It is possible to save as much as $150 per year just by quoting early and online
- Increasing comprehensive and collision deductibles can save around $425 each year
- Insureds who require increased liability limits will pay approximately $500 annually to raise limits from a 30/60 limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,804 |
| 20 | $2,874 |
| 30 | $1,288 |
| 40 | $1,248 |
| 50 | $1,142 |
| 60 | $1,120 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,528 |
| $250 | $1,400 |
| $500 | $1,248 |
| $1,000 | $1,104 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,248 |
| 50/100 | $1,338 |
| 100/300 | $1,451 |
| 250/500 | $1,745 |
| 100 CSL | $1,384 |
| 300 CSL | $1,632 |
| 500 CSL | $1,813 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,824 |
| 20 | $4,578 |
| 30 | $2,742 |
| 40 | $2,698 |
| 50 | $2,578 |
| 60 | $2,556 |
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 | $65 |
| Multi-vehicle | $67 |
| Homeowner | $20 |
| 5-yr Accident Free | $86 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $53 |
| Advance Quote | $59 |
| Online Quote | $87 |
| Total Discounts | $517 |
Discounts are estimated and may not be available from every company or in every state.
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