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...

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UPDATED: Apr 2, 2024

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

Average premium for full coverage: $1,220

Premium estimates for type of coverage:

Comprehensive $230
Collision $376
Liability $456

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for different CX-3 trim levels.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Mazda CX-3 go from the low end price of $508 for just liability coverage to a much higher rate of $2,636 for a driver required to buy high-risk insurance.

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

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than larger metro areas.

The price range example below illustrates how rural and urban location affects auto insurance rates.

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

These rate differences demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code, rather than relying on price 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.

Detailed Rate Analysis

The chart below details estimated Mazda CX-3 insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $717
  • Raising to $1,000 deductibles will save about $138 annually
  • The estimated price for a 40-year-old good driver using $500 deductibles is $1,220
  • Choosing more expensive low deductibles bumps up the cost to $1,486
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,636 or more
  • An auto insurance policy that insures a teen driver with full coverage can be $4,720

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

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

If you have a few violations or you caused an accident, you may be forking out at least $1,500 to $2,000 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 137% more than average. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay as much as $4,700 a year. View Rates by Age

Where you choose to live also has a big influence on Mazda CX-3 insurance rates. A middle-age driver might find prices as low as $880 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,650 on average in Florida, Michigan, and New York.

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

Choosing high deductibles can reduce prices by up to $410 each year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out your exact price is to compare prices from as many companies as possible. Every auto insurance company uses a different rate calculation, and quoted prices will be substantially different.

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 Mazda CX-3 insurance consists of avoiding accidents and violations, maintaining a good credit score, being claim-free, and maximizing policy discounts. Shop around at every policy renewal by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

The list below is a summary of the data raised in the charts and tables above.

  • Drivers who may need higher liability limits will pay about $500 every year to raise from 30/60 bodily injury limits to the 250/500 level
  • You may be able to save up to $140 per year simply by shopping early and online
  • Increasing policy deductibles can save approximately $400 each year
  • Teenagers are expensive to insure, possibly costing $393 per month if the policy includes full coverage

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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