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 insurance. Comprehensive costs around $174, collision costs $258, and liability insurance is $478. Buying just liability costs around $526 a year, with insurance for high-risk drivers costing around $2,304. 16-year-old drivers receive the highest rates at $4,276 a year or more.
Average premium for full coverage: $1,068
Rate estimates for individual coverage type:
Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for all 3 models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as low as $526 for minimum levels of liability insurance to the much higher price of $2,304 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than congested cities.
The example below illustrates how rural and urban location affects auto insurance rates.
These examples illustrate why everyone should compare rates quotes for a specific zip code and risk profile, 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.
Additional Rate Details
The chart below illustrates estimated Mazda 3 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $640
- Raising to $1,000 deductibles will save about $100 each year
- The average rate for a 40-year-old driver using $500 deductibles is $1,068
- Buying pricier low deductibles will increase the cost to $1,254
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,304 or more
- The cost for full coverage for a teen driver for full coverage can be $4,276
Auto insurance rates for a Mazda 3 can also vary considerably based on your driver profile, the model year and trim level, and deductibles and policy limits.
A more mature driver with a good driving record and high deductibles could pay as little as $1,000 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay as much as $4,200 a year. View Rates by Age
Where you live also has a big influence on Mazda 3 insurance rates. A middle-age driver might find rates as low as $700 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,440 on average in Michigan, New York, and Florida.
| 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 reduce rates by up to $290 each year, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $430 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying at least $1,300 to $1,800 in extra premium per year, depending on your age. Mazda 3 insurance for high-risk drivers is expensive and can cost anywhere from 42% to 135% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the only way to figure out your exact price is to regularly compare rates from as many companies as possible. Every auto insurance company utilizes a different rate formula, and quoted rates can be significantly different from one company to the next.
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 More Affordable Mazda 3 Insurance
Saving money on Mazda 3 insurance consists of being safe and accident-free, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around every other policy renewal by requesting quotes from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.
Below you'll find a summary of the ideas that were raised in the charts and tables above.
- Youthful drivers are expensive to insure, costing up to $356 per month if they have full coverage
- High-risk drivers who have multiple accidents or major violations may pay on average $1,240 more every year than a low-risk driver
- Increasing deductibles can save around $275 each year
- It is possible to save up to $120 per year simply by quoting online well ahead of the renewal date
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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