Mazda 3 Insurance Rates
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UPDATED: Apr 19, 2024
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U.S. average auto insurance rates for a Mazda 3 are $1,068 annually for full coverage insurance. Comprehensive insurance costs approximately $174 a year, collision costs $258, and liability is estimated at $478. Buying just liability costs approximately $526 a year, with insurance for high-risk drivers costing $2,304 or more. Teen drivers pay the highest rates at $4,276 a year or more.
Average premium for full coverage: $1,068
Price estimates by individual coverage:
Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and 3 trim levels.
Price Range from Low to High
For the average driver, Mazda 3 insurance prices go from as cheap as $526 for basic liability insurance to a high of $2,304 for a high-risk driver policy.
Geographic Price Range
Living in a larger city can have significant affects on the price of auto insurance. Rural locations have fewer physical damage claims than larger metro areas.
The diagram below illustrates how location impacts auto insurance prices.
The ranges above illustrate why it is important to get quotes using their specific location and their own personal driving habits, instead of using 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.
Rate Comparisons
The chart below illustrates estimated Mazda 3 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $640
- Choosing higher $1,000 deductibles can save $968 each year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,068
- Choosing low $100 deductibles for comp and collision coverage costs an additional $186 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay around $2,304 or more
- The price with full coverage for a teen driver can cost $4,276 each year
Insurance prices for a Mazda 3 are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,000 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,200 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,300 to $1,800 additional each year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $290 every year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $430 more each year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Mazda 3 insurance prices. A good driver about age 40 could pay as low as $700 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,440 on average in Florida, New York, 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% |
Since prices can be so different, the only way to figure out who has the best car insurance prices is to get quotes and see which company has the best price. Each auto insurer uses a different rate calculation, and prices may be quite different between companies.
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 the Best Mazda 3 Insurance
Getting lower rates on car insurance takes avoiding accidents and violations, having good credit, not filing small claims, and qualifying for all possible discounts. Spend time shopping around every time your policy renews by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The list below is a brief recap of the information touched on above.
- It is possible to save around $120 per year simply by quoting early and online
- Teenagers are the costliest to insure, as much as $356 a month if they have full coverage
- Increasing physical damage deductibles could save up to $275 each year
- Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,240 more per year for car insurance
- Policyholders who purchase higher liability limits will pay about $530 annually to raise limits from a low limit to higher 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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