Most 2020 Mazda CX-3 drivers pay $1,271 yearly for full coverage
You can cut that by 10 to 30 percent. Compare quotes from several insurers. Claim every discount you qualify for. Pick a higher deductible. Drop coverage you do not need.
Savings you can get
Small changes add up. Raise your deductible from $500 to $1,000. This drops collision and comprehensive costs 10 to 20 percent. On a $1,271 policy, you save about $190 a year. Bundle auto with home or renters insurance. Many companies cut 15 to 25 percent. Usage-based programs save light drivers 5 to 20 percent.
Sample rates for Mazda CX-3
Rates change by driver, location, and coverage. Clean drivers see these average yearly prices:
| Insurer | Average annual rate |
|---|---|
| GEICO | $975 |
| Progressive | $1,150 |
| State Farm | $1,350 |
Your rate may differ. Mileage, credit score, and ZIP code play big roles.
Ways to cut your premium
- Shop around: Get 3 to 5 quotes with the same coverage. Prices vary by hundreds. Check at renewal or after moves and life changes.
- Boost your deductible: Go to $1,000 or more if you have cash ready. Saves 10 to 20 percent on collision and comprehensive.
- Grab discounts: Bundle policies for 15 to 25 percent off. Safe driver gives 10 to 20 percent. Anti-theft devices and safety features add 5 to 10 percent. Good student discount hits up to 15 percent. Low mileage saves about 10 percent.
- Cut extras: Skip rental car or roadside help if you cover those yourself. Keep high liability limits. Hold collision and comprehensive if your CX-3 values $18,000 or more.
- Build good habits: Pay bills on time. Skip small claims. Stay claim-free. One at-fault crash hikes rates for 3 years.
- Pay upfront: Full payment and paperless billing often save 5 to 10 percent.
- Use telematics: Drive under 7,500 miles a year gently. Apps save 5 to 20 percent.
- Take a course: Defensive driving classes cut 5 to 15 percent for up to 3 years in many states.
Action steps
- List your current coverage and deductibles.
- Grab 3 to 5 quotes. Ask for all discounts.
- Test $1,000 deductible and usage-based plans.
- Drop unneeded add-ons. Raise liability limits.
- Check rates every 6 to 12 months or after big changes.
Sidekick tracks your policy and alerts you to cheaper Mazda CX-3 quotes.