Mazda CX-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 2, 2024

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Estimated insurance rates for a Mazda CX-3 are $1,220 a year for full coverage insurance. Comprehensive costs on average $230, collision costs $376, and liability coverage costs around $456. Liability-only coverage costs as low as $508 a year, with high-risk coverage costing around $2,636. Teenage drivers pay the most at $4,720 a year or more.

Average premium for full coverage: $1,220

Premium estimates by type of coverage:

Comprehensive $230
Collision $376
Liability $456

Full coverage includes $500 deductible amounts, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for all CX-3 models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Mazda CX-3 go from as low as $508 for just liability insurance to the much higher price of $2,636 for a policy for a high-risk driver.

Liability Only $508
Full Coverage $1,220
High Risk $2,636

Insurance Price Range by Location

Where you live has a large influence on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than densely populated cities.

The example below illustrates how your location can change car insurance rates.

Rural Areas $915
Small Cities $1,281
Large Cities $1,647

These rate differences illustrate why everyone should compare prices based on a specific location and risk profile, rather than using average rates.

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 illustrates estimated Mazda CX-3 insurance rates for different risk profiles and scenarios.

  • The best discount rate is $717
  • Using higher $1,000 deductibles will save around $138 each year
  • The average rate for a 40-year-old good driver with $500 deductibles is $1,220
  • Using pricier low deductibles for physical damage coverage will increase the cost to $1,486
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,636 or more
  • An auto insurance policy for full coverage for a teenage driver for full coverage may cost $4,720 or more

View Chart as Image

Mazda CX-3 insurance cost comparison chart
Column chart showing full coverage Mazda CX-3 insurance rates range from $717 to $4,720

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

A more mature driver with a clean driving record and high deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay upwards of $4,700 a year. View Rates by Age

Where you choose to live has a huge impact on Mazda CX-3 insurance rates. A driver around age 40 might see prices as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,650 on average in Michigan, New York, and Florida.

Mazda CX-3 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,104 -$116 -9.5%
Alaska $936 -$284 -23.3%
Arizona $1,012 -$208 -17.0%
Arkansas $1,220 -$0 0.0%
California $1,392 $172 14.1%
Colorado $1,166 -$54 -4.4%
Connecticut $1,254 $34 2.8%
Delaware $1,382 $162 13.3%
Florida $1,526 $306 25.1%
Georgia $1,126 -$94 -7.7%
Hawaii $876 -$344 -28.2%
Idaho $824 -$396 -32.5%
Illinois $908 -$312 -25.6%
Indiana $918 -$302 -24.8%
Iowa $822 -$398 -32.6%
Kansas $1,160 -$60 -4.9%
Kentucky $1,664 $444 36.4%
Louisiana $1,806 $586 48.0%
Maine $754 -$466 -38.2%
Maryland $1,006 -$214 -17.5%
Massachusetts $976 -$244 -20.0%
Michigan $2,120 $900 73.8%
Minnesota $1,022 -$198 -16.2%
Mississippi $1,460 $240 19.7%
Missouri $1,082 -$138 -11.3%
Montana $1,310 $90 7.4%
Nebraska $960 -$260 -21.3%
Nevada $1,462 $242 19.8%
New Hampshire $880 -$340 -27.9%
New Jersey $1,362 $142 11.6%
New Mexico $1,080 -$140 -11.5%
New York $1,286 $66 5.4%
North Carolina $702 -$518 -42.5%
North Dakota $998 -$222 -18.2%
Ohio $842 -$378 -31.0%
Oklahoma $1,254 $34 2.8%
Oregon $1,116 -$104 -8.5%
Pennsylvania $1,162 -$58 -4.8%
Rhode Island $1,628 $408 33.4%
South Carolina $1,104 -$116 -9.5%
South Dakota $1,030 -$190 -15.6%
Tennessee $1,068 -$152 -12.5%
Texas $1,470 $250 20.5%
Utah $904 -$316 -25.9%
Vermont $836 -$384 -31.5%
Virginia $732 -$488 -40.0%
Washington $942 -$278 -22.8%
West Virginia $1,118 -$102 -8.4%
Wisconsin $844 -$376 -30.8%
Wyoming $1,088 -$132 -10.8%

View Chart as Image

Mazda CX-3 insurance rates by U.S. city

Using high physical damage deductibles could cut prices by as much as $410 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $411 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 at a minimum $1,500 to $2,000 extra annually, depending on your age. Mazda CX-3 insurance for high-risk drivers can be around 42% to 137% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out exactly what you will pay is to regularly compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, so the prices will be substantially different from one company to the next.

Mazda CX-3 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2021 Mazda CX-3 $262 $446 $430 $1,296
2020 Mazda CX-3 $248 $430 $442 $1,278
2019 Mazda CX-3 $238 $400 $452 $1,248
2018 Mazda CX-3 $230 $376 $456 $1,220
2017 Mazda CX-3 $220 $338 $460 $1,176
2016 Mazda CX-3 $206 $310 $460 $1,134

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 More Affordable Mazda CX-3 Insurance

Finding better rates on auto insurance requires having a good driving record, maintaining good credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Invest the time to shop around every year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The next list is a summary of the coverage data illustrated above.

  • It is possible to save as much as $140 per year simply by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save around $400 each year
  • Drivers age 20 and younger pay the highest prices, with premiums being up to $393 per month for full coverage
  • Drivers who have multiple accidents or major violations pay an average of $1,420 more each year to buy Mazda CX-3 insurance

Rates by Driver Age

Mazda CX-3 Insurance Rates by Driver Age
Driver Age Premium
16 $4,720
20 $2,808
30 $1,258
40 $1,220
50 $1,116
60 $1,094

Full coverage, $500 deductibles

Rates by Deductible

Mazda CX-3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,486
$250 $1,362
$500 $1,220
$1,000 $1,082

Full coverage, driver age 40

Rates by Liability Limit

Mazda CX-3 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,220
50/100 $1,311
100/300 $1,425
250/500 $1,722
100 CSL $1,357
300 CSL $1,608
500 CSL $1,790

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda CX-3 Insurance Rates for High Risk Drivers
Age Premium
16 $6,700
20 $4,472
30 $2,676
40 $2,636
50 $2,518
60 $2,496

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 $168

Potential Rate Discounts

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

Discount Savings
Multi-policy $64
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $83
5-yr Claim Free $78
Paid in Full/EFT $51
Advance Quote $57
Online Quote $85
Total Discounts $503
Rate after discounts $717

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

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