An average Mazda CX-3 costs about $1,260 annually to insure with full coverage and liability only insurance policies, but rates can differ depending on a variety of factors.
Older vehicles generally cost less to insure than newer models, and you could save even more by selecting a usage-based or pay-per-mile auto policy.
Rates vary by state
Cost of car insurance for a Mazda CX-3 will depend on a variety of factors, such as driver age and record, coverage types needed and state registration of vehicle. Furthermore, an individual's credit score could affect premium rate. Typically, drivers with higher credit scores can expect lower insurance premiums while those with poor scores could pay higher premiums. They should also consider whether they need collision and comprehensive coverage (both optional). Collision and comprehensive coverage provides you with financial relief in the event that your Mazda CX-3 is damaged in an accident or by natural disaster, and may also provide peace of mind if leasing or financing a car. Lenders require this coverage when leasing or financing cars, but owners may wish to protect their investments with it as well.
Mazda CX-3 models can have an effect on insurance rates, with sedan versions typically being more cost-effective to insure than hatchbacks. Furthermore, it pays to compare quotes from multiple providers; USAA currently offers the lowest average annual premiums for minimal coverage at $276 while Amica and Erie provide more reasonable premiums at either $381 or $1212 annually respectively.
Some states mandate drivers carry specific types of coverage, such as uninsured/underinsured motorist coverage and personal injury protection (PIP), which can increase policy costs significantly for residents living there.
Age can have a major effect on the cost of Mazda CX-3 car insurance premiums; teens and people in their 20's tend to pay the highest rates. Drivers with violations on their record will also face high premiums.
Mazda CX-3 car insurance costs average an annual average of $1,204 or $100 monthly when insuring both Sport 2WD and Sport AWD models, although more expensive ones may incur slightly higher costs depending on package/trim level selection. You could save money by increasing deductibles; raising them from $500 to $1,000 can save a 40-year-old driver around $176 annually while increasing them from $1,000 can save them $338 each year.
Age of vehicle
Comparatively speaking, the Mazda CX-3 ranks relatively midrange when it comes to car insurance rates. Full coverage (comprehensive and collision coverages) typically costs $160 monthly while liability only policies typically run $84 each month - significantly cheaper than insuring one of Mazda's more costly vehicles, the Mazda 3 Hatchback or Sedan which each cost over $200 more annually to insure than its CX-3 sibling.
However, it's important to keep in mind that car insurance prices vary by state, insurer and driver. Prices also depend on vehicle age and driving record as well as other factors; to get accurate quotes before making a final decision. These figures represent an estimated average annual insurance rate for a 40-year old driver with good credit who drives 13,000 miles annually without having been involved in accidents or receiving tickets and does not take into account discounts available with multiple vehicle policies or multi-car policies.
The Mazda CX-3 features numerous safety features, such as Smart Braking, Traffic Jam Assist, front and rear parking sensors, Mazda Connected Services to start/lock cars remotely and access health status reports remotely; and these safety features come standard on Premium Plus trim levels; they may be added on optionally for lower levels models.
One of the primary factors affecting car insurance costs is age. Younger drivers tend to cost more to cover, as they're more likely to get into accidents. However, once drivers turn 25, their rates start decreasing steadily until age 60 when they only increase slightly more.
Insurance rates differ depending on your state, so make sure to investigate what options are available in your region before choosing an insurer. Shop around to find the most competitive rates while remembering to compare coverage limits offered by each provider; some might provide higher deductibles on comprehensive and collision policies than others do.
Driving record
The Mazda CX-3 is an attractive car with superior safety features that is also an economical vehicle to insure, yet not always the least costly option to cover. Insurance premiums depend on vehicle model, age and driver history factors such as these; nonetheless it is possible to find affordable coverage by comparing quotes from various insurance providers (State Farm and Nationwide offer competitive prices on this vehicle, while USAA and Geico also provide great rates). Furthermore increasing deductibles may save money in premium payments as well.
Mazda's CX-3 SUV is a small yet versatile vehicle that's easy to operate and comfortable for urban commuters, boasting impressive handling and road dynamics that make its suspension almost nonexistent for speed bumps or highway dips. Furthermore, front seats offer decent support; however rough pavement can add noise into the cabin.
Insurance rates for the Mazda CX-3 tend to be higher than average, but you may still find an affordable plan by doing your research and shopping around. An effective starting point would be checking online quotes from various carriers for both liability and full coverage car insurance prices, plus considering any extra protection options that are available with this vehicle.
Liability coverage is the most frequently purchased form of auto insurance and provides protection from injuries to others and damage to their property. On an average Mazda CX-3 it costs roughly $372 annually for this form. Full coverage insurance encompasses collision and comprehensive policies as well, which may be required when leasing or financing the car - though full coverage could save money in the long run!
USAA provides the Mazda CX-3 with an average annual premium of $342. Geico and Amica both provide coverage with slightly higher annual premiums, at about $378 and $421, respectively. If desired, gap insurance can also be purchased to cover any differences between claim payout and depreciated value of your Mazda. Some companies even provide rental car reimbursement should your vehicle become damaged or stolen.
Mileage
Mazda's CX-3 SUV is an enjoyable vehicle to drive, providing agility and fuel efficiency at an attractive price point. It has high safety ratings as well as standard driver assistance features - though its reliability rating falls short of top marks. Before making a final decision to purchase or lease one of Mazda's models it is wise to compare insurance costs before making your final choice.
Auto insurance premiums depend on several variables, including your age, location, driving record and credit history. They may also be affected by other risk-based considerations like multiple accidents or tickets on your record; high-risk drivers could face significantly higher premiums compared to lower risk drivers - the average full coverage annual premium rate on a 2021 Mazda CX-3 costs an estimated $1,338 annually.
This figure exceeds the national average for popular SUV models but remains lower than many small cars. Furthermore, this price point is comparable to Mazda's all-electric MX-30 SUV which will hit dealerships sometime between 2022-2025.
As part of your car insurance rate calculations, make sure to consider how many miles you plan on covering each year - 13,000 or less is recommended to ensure optimal insurance rates.
If you drive frequently, additional coverage such as roadside assistance and rental car reimbursement could come in handy in an accident situation. While these policies can be pricey, be sure to do your research first in order to secure the best rates available to you.
Your driving records and location can have an effect on your Mazda CX-3 insurance rates; drivers in Los Angeles pay about $191 more annually than drivers in Houston, while your age plays a factor; teens and young drivers tend to pay higher premiums than older adults. Furthermore, severity ratings from crash test ratings may also influence rates: lower severity scores mean lower premiums while higher severity scores will increase them.