Auto insurance rates rise 1% in 2026
National full coverage averages hit $2,158 in 2026, up about 1% from prior years. Repair costs, medical bills, legal fees, and worse crashes push rates higher. Owners of 2020 Mazda CX-3 models face the same trends.
Key reasons for higher costs
Repairs lead the climb. Your 2020 Mazda CX-3 packs sensors and cameras for safety. Even minor crashes demand full replacements and calibrations. Repair costs jumped 8% last year. Insurers pass these to your premium.
Medical and legal bills stay steep. Crash injuries rack up care costs. Lawyers add fees. These claims lift rates for all drivers.
Crashes grow more severe. Speeding and distracted driving cause bigger wrecks. Larger payouts mean higher premiums everywhere.
How rates differ by state and driver
Location and habits set your rate. High-cost spots see bigger jumps. Low-cost areas hold steady.
- Washington, D.C.: $4,088 average.
- New Jersey: +8% to +12% after 20% rise in 2025.
- Wyoming: Flat after 30% drop in 2025.
- Clean record: Flat to +1%.
- DUI: +5% to +10%.
For a 2020 Mazda CX-3, full coverage runs near $1,800 yearly. Safe drivers in cheap states pay about $1,500.
| Factor | 2026 Outlook |
|---|---|
| Clean record | Flat to +1% |
| DUI | +5% to +10% |
| New Jersey | +8% to +12% |
| Washington, D.C. | $4,088 |
| Wyoming | Flat |
Cut your premium now
Shop quotes yearly. New policies beat renewals by 10% to 20%.
Join telematics. Safe habits save up to 25%.
Stay clean. Skip tickets and claims for top discounts.
Raise deductibles. $500 to $1,000 cuts your bill.
Trim coverage. Drop rental or roadside if unused.
Bundle auto and home. Save 15%.
Pay full or auto-pay for extras.
Rates stabilize after big past hikes. Your state, record, and Mazda CX-3 decide the final number.
Sidekick tracks rates, repairs, and fuel for your CX-3 to find savings fast.