Mazda 3 Insurance Rates
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UPDATED: Apr 19, 2024
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Average insurance rates for a Mazda 3 are $1,068 a year for full coverage. Comprehensive insurance costs an estimated $174, collision insurance costs $258, and liability coverage is estimated at $478. A policy with just liability insurance costs approximately $526 a year, and coverage for high-risk drivers costs $2,304 or more. 16-year-old drivers receive the highest rates at up to $4,276 a year.
Average premium for full coverage: $1,068
Rate estimates broken down by individual coverage type:
Prices include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for different 3 trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as low as $526 for just liability coverage to a much higher rate of $2,304 for a high-risk insurance policy.
Price Range by Location
Living in a larger city has a large influence on insurance rates. More rural locations tend to have a lower frequency of accident claims than congested cities. The price range example below illustrates the difference location can make on insurance prices.
These examples show why anyone shopping for car insurance should get quotes for a targeted area and risk profile, rather than using rate 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 shows average Mazda 3 insurance rates for other coverage scenarios.
- The best full coverage rate is $640
- Choosing higher $1,000 deductibles can save approximately $100 a year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,068
- Buying more expensive low deductibles for comp and collision coverage will cost an extra $186 each year
- Drivers with multiple tickets or accidents could pay up to $2,304
- The cost for full coverage for a teenage driver with full coverage can cost as much as $4,276 each year
Insurance rates for a Mazda 3 can also vary considerably based on your driver profile, the trim level of your 3, and liability limits and deductibles.
An older driver with no violations or accidents and high deductibles may only pay around $1,000 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay at least $4,200 a year. View Rates by Age
Where you live plays a big part in determining prices for Mazda 3 insurance rates. A good driver about age 40 could pay as low as $700 a year in states like Iowa, Maine, and Idaho, or at least $1,520 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $966 | -$102 | -9.6% |
| Alaska | $820 | -$248 | -23.2% |
| Arizona | $886 | -$182 | -17.0% |
| Arkansas | $1,068 | -$0 | 0.0% |
| California | $1,216 | $148 | 13.9% |
| Colorado | $1,020 | -$48 | -4.5% |
| Connecticut | $1,098 | $30 | 2.8% |
| Delaware | $1,210 | $142 | 13.3% |
| Florida | $1,336 | $268 | 25.1% |
| Georgia | $984 | -$84 | -7.9% |
| Hawaii | $766 | -$302 | -28.3% |
| Idaho | $722 | -$346 | -32.4% |
| Illinois | $796 | -$272 | -25.5% |
| Indiana | $804 | -$264 | -24.7% |
| Iowa | $720 | -$348 | -32.6% |
| Kansas | $1,016 | -$52 | -4.9% |
| Kentucky | $1,458 | $390 | 36.5% |
| Louisiana | $1,580 | $512 | 47.9% |
| Maine | $658 | -$410 | -38.4% |
| Maryland | $880 | -$188 | -17.6% |
| Massachusetts | $856 | -$212 | -19.9% |
| Michigan | $1,856 | $788 | 73.8% |
| Minnesota | $894 | -$174 | -16.3% |
| Mississippi | $1,278 | $210 | 19.7% |
| Missouri | $946 | -$122 | -11.4% |
| Montana | $1,148 | $80 | 7.5% |
| Nebraska | $842 | -$226 | -21.2% |
| Nevada | $1,278 | $210 | 19.7% |
| New Hampshire | $770 | -$298 | -27.9% |
| New Jersey | $1,194 | $126 | 11.8% |
| New Mexico | $944 | -$124 | -11.6% |
| New York | $1,124 | $56 | 5.2% |
| North Carolina | $614 | -$454 | -42.5% |
| North Dakota | $872 | -$196 | -18.4% |
| Ohio | $738 | -$330 | -30.9% |
| Oklahoma | $1,096 | $28 | 2.6% |
| Oregon | $978 | -$90 | -8.4% |
| Pennsylvania | $1,020 | -$48 | -4.5% |
| Rhode Island | $1,424 | $356 | 33.3% |
| South Carolina | $968 | -$100 | -9.4% |
| South Dakota | $902 | -$166 | -15.5% |
| Tennessee | $936 | -$132 | -12.4% |
| Texas | $1,288 | $220 | 20.6% |
| Utah | $790 | -$278 | -26.0% |
| Vermont | $732 | -$336 | -31.5% |
| Virginia | $638 | -$430 | -40.3% |
| Washington | $824 | -$244 | -22.8% |
| West Virginia | $978 | -$90 | -8.4% |
| Wisconsin | $738 | -$330 | -30.9% |
| Wyoming | $954 | -$114 | -10.7% |
Opting for high physical damage deductibles can save as much as $290 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $430 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying $1,300 to $1,800 additional per year, depending on your age. High-risk driver insurance ranges around 42% to 135% more than the average rate. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda 3 I Sport 4-Dr Sedan | $1,022 | $85 |
| Mazda 3 I SV 4-Dr Sedan | $1,022 | $85 |
| Mazda 3 I Touring 4-Dr Sedan | $1,068 | $89 |
| Mazda 3 S Sport 4-Dr Hatchback | $1,090 | $91 |
| Mazda 3 S Sport 4-Dr Sedan | $1,090 | $91 |
| Mazda 3 S Grand Touring 4-Dr Hatchback | $1,112 | $93 |
| Mazda 3 S Grand Touring 4-Dr Sedan | $1,112 | $93 |
Rates assume 2011 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Mazda 3 | $308 | $562 | $372 | $1,400 |
| 2023 Mazda 3 | $294 | $542 | $390 | $1,384 |
| 2022 Mazda 3 | $282 | $536 | $398 | $1,374 |
| 2021 Mazda 3 | $272 | $524 | $416 | $1,370 |
| 2020 Mazda 3 | $262 | $502 | $430 | $1,352 |
| 2019 Mazda 3 | $248 | $484 | $442 | $1,332 |
| 2018 Mazda 3 | $238 | $450 | $452 | $1,298 |
| 2017 Mazda 3 | $230 | $424 | $456 | $1,268 |
| 2016 Mazda 3 | $220 | $380 | $460 | $1,218 |
| 2015 Mazda 3 | $206 | $350 | $460 | $1,174 |
| 2014 Mazda 3 | $198 | $328 | $464 | $1,148 |
| 2012 Mazda 3 | $180 | $284 | $474 | $1,096 |
| 2011 Mazda 3 | $174 | $258 | $478 | $1,068 |
| 2010 Mazda 3 | $162 | $236 | $474 | $1,030 |
Rates are averaged for all Mazda 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 Right Mazda 3 Insurance
Saving money on auto insurance takes being safe and accident-free, having a good credit history, eliminating unneeded coverage, and possibly raising deductibles. Make time to compare rates at least every other year by obtaining price quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.
Below you'll find a quick rundown of the car insurance concepts touched on in this article.
- Drivers with reckless driving or DUI convictions pay an average of $1,240 more annually than a low-risk driver
- Drivers can save approximately $120 per year just by shopping early and online
- Increasing deductibles can save around $275 each year
- Consumers who want more liability protection will pay around $530 each year to raise limits from a minimum limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,276 |
| 20 | $2,452 |
| 30 | $1,090 |
| 40 | $1,068 |
| 50 | $982 |
| 60 | $960 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,254 |
| $250 | $1,170 |
| $500 | $1,068 |
| $1,000 | $968 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,068 |
| 50/100 | $1,208 |
| 100/300 | $1,327 |
| 250/500 | $1,638 |
| 100 CSL | $1,255 |
| 300 CSL | $1,518 |
| 500 CSL | $1,710 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,038 |
| 20 | $3,912 |
| 30 | $2,328 |
| 40 | $2,304 |
| 50 | $2,206 |
| 60 | $2,182 |
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 | $55 |
| Multi-vehicle | $58 |
| Homeowner | $19 |
| 5-yr Accident Free | $67 |
| 5-yr Claim Free | $68 |
| Paid in Full/EFT | $40 |
| Advance Quote | $48 |
| Online Quote | $73 |
| Total Discounts | $428 |
Discounts are estimated and may not be available from every company or in every state.
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