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InsuranceComparison2020 Mazda CX-3
Insurance

Is full coverage worth it for a 2020 Mazda CX-3?

Yes, full coverage is worth it for a 2020 Mazda CX-3 if you have a loan or the car is worth $12,000 to $15,000. Expect $253 per month for full coverage versus $120 for liability only. Rates run higher in ZIP codes like 01820 due to traffic and weather.

View full 2020 Mazda CX-3 cost analysis

Is Full Coverage Worth It for a 2020 Mazda CX-3?

Yes. Full coverage is usually worth it for a 2020 Mazda CX-3 if you have a loan or your car is worth $12,000 to $15,000. You pay about $253 per month for full coverage. That compares to $120 for liability only. Your exact price depends on your driving record, limits, and ZIP code like 01820.

Full coverage adds collision and comprehensive to basic liability. It covers fixes or replacement after crashes, theft, hail, falling objects, or animal hits. A minor fender bender repair often costs $3,000. Without full coverage, you pay that out of pocket.

Sample Costs for 2020 Mazda CX-3

Coverage TypeMonthlyYearly
Full Coverage$253$3,036
Liability Only$120$1,440

A 2020 CX-3 sells for $12,000 to $15,000 today. A total loss without full coverage means you lose that full amount. Repairs over five years add up to $2,854. One crash wipes out years of savings. In ZIP 01820 near Lowell, rates rise due to traffic, winter ice, and deer claims. Full coverage quotes there range from $975 to $1,843 per year.

When Full Coverage Makes Sense

  • You have a loan or lease. Lenders demand it.
  • You drive over 10,000 miles a year.
  • You park on the street or in open lots.
  • You live where theft, hail, ice, or deer pose risks.

When to Switch to Liability Only

  • You own the car free and clear. You can pay for fixes or a new one.
  • Premiums exceed 10% of the car's value. Or the value drops below $4,000.
  • You drive few miles. You garage the car.

Ways to Cut Your Rate

  • Shop three or more quotes. Carriers differ a lot.
  • Pick a $1,000 deductible. It lowers your monthly bill.
  • Bundle with home or renters insurance.
  • Join a telematics or safe driver program.
  • Complete a defensive driving course.
  • Install anti-theft devices. Claim safety discounts.
  • Drive fewer miles. Keep a clean record.

Full coverage protects your investment in a car worth up to $15,000. If the value drops and premiums climb, liability only saves money. Sidekick tracks your total car costs and helps pick the right coverage.

People also ask

  • Should I get full coverage on my 2020 Mazda CX-3?
  • Full coverage vs liability for 2020 Mazda CX-3?
  • Is comprehensive insurance worth it for Mazda CX-3 2020?
  • 2020 Mazda CX-3 insurance: full or minimum coverage?
  • Does a 2020 CX-3 need collision and comprehensive?

More About the Mazda CX-3

Value & Selling

Does the Mazda CX-3 hold value better than Honda HR-V or Toyota C-HR?

No. Over 5 years and 60,000 miles, a 2020 Mazda CX-3 keeps 52% of its MSRP. Honda HR-V retains 64% and Toyota C-HR holds 57%. HR-V leads in resale value for subcompact SUVs. (162 chars)

Financing

Current used car loan rates in MA by credit score?

Used car loan rates in Massachusetts range from 4.99% APR for excellent credit (800+) to 24.67% APR for poor credit (under 580). For a 2020 Mazda CX-3, buyers with strong credit often secure 5% to 8% on short terms. Fair credit sees mid-teens rates. (178 chars)

Fuel

Is the Mazda CX-3 more fuel efficient than the Honda HR-V?

Yes. For 2020 models, the Mazda CX-3 gets 31 MPG combined (29 city, 34 highway) versus 30 MPG combined (28 city, 34 highway) for the Honda HR-V. The CX-3 leads in city and overall MPG.

Insurance

How can I lower my Mazda CX-3 insurance rates?

Most 2020 Mazda CX-3 drivers pay $1,271 per year for full coverage. Cut costs 10-30% by comparing 3-5 quotes, raising your deductible to $1,000, stacking discounts like bundling and safe driver, and dropping unneeded extras. (162 chars)

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Last updated: February 11, 2026

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