Mazda 3 Insurance Rates
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UPDATED: Apr 19, 2024
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The average auto insurance rates for a Mazda 3 are $1,068 annually for full coverage. Comprehensive costs approximately $174 each year, collision insurance costs $258, and liability insurance costs $478. Liability-only insurance costs as little as $526 a year, and high-risk driver insurance costs around $2,304. 16-year-old drivers cost the most to insure at up to $4,276 a year.
Average premium for full coverage: $1,068
Policy rates by type of insurance:
Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and 3 models.
Price Range Variability
For the average driver, Mazda 3 insurance rates range from as cheap as $526 for basic liability insurance to a high rate of $2,304 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. Rural locations are shown to have fewer accident claims than congested cities. The graphic below illustrates how location impacts auto insurance prices.
The examples above show why all drivers should compare rates using their specific location and their own personal driving habits, rather than relying on 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.
Rate Comparisons
The chart below shows average Mazda 3 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $640
- Drivers who choose higher $1,000 deductibles will pay $100 a year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,068
- Buying low deductibles for comprehensive and collision insurance will cost $1,254
- High risk drivers with multiple tickets or accidents could pay around $2,304
- Policy cost with full coverage for a teen driver can cost $4,276 a year
Auto insurance rates for a Mazda 3 also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.
More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $4,200 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,300 to $1,800 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $290 each year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $430 extra every year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Mazda 3 insurance rates. A 40-year-old driver 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% |
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 Buy More Affordable Mazda 3 Insurance
Finding cheaper rates on Mazda 3 insurance not only requires having a decent driving record, but also having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Spend time shopping around at least once a year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following items are a summary of the primary concepts that were touched on above.
- Drivers can save around $120 per year just by quoting online in advance
- High-risk drivers who have multiple accidents or major violations pay on average $1,240 more per year than a driver with a clean driving record
- Increasing comprehensive and collision deductibles could save up to $275 each year
- 16 to 18-year-old drivers have the highest car insurance rates, costing up to $356 each month if full coverage is included
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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