Mazda 5 Insurance Rates

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UPDATED: May 14, 2024

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U.S. average insurance prices for a Mazda 5 are $938 every 12 months for full coverage insurance. Comprehensive costs around $164 a year, collision insurance costs $236, and liability coverage costs around $402. Liability-only insurance costs as low as $446 a year, and high-risk driver insurance costs around $2,020. Teen drivers pay the highest rates at up to $3,708 a year.

Average premium for full coverage: $938

Price estimates for individual coverage:

Comprehensive $164
Collision $236
Liability $402

Estimates include $500 deductible amounts, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and 5 trim levels.

Price Range from Low to High

For a driver around age 40, Mazda 5 insurance prices range from the cheapest price of $446 for liability-only coverage to a high of $2,020 for a driver required to buy high-risk insurance.

Liability Only $446
Full Coverage $938
High Risk $2,020

Geographic Price Range

Where you live has a large influence on car insurance rates. Areas with sparse population have more infrequent physical damage claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $704
Small Cities $985
Large Cities $1,266

The ranges above illustrate why it is important to compare prices for a specific zip code and their own driving history, rather than using price 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 Charts and Tables

The chart below illustrates average Mazda 5 insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $563
  • Using higher $1,000 deductibles will save about $846 each year
  • The average price for the average middle-age driver using $500 deductibles is $938
  • Choosing low $100 deductibles for physical damage coverage increases the price to $1,112
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,020
  • The price to insure a teenage driver can be $3,708 or more

View Chart as Image

Mazda 5 insurance cost comparison chart
Column chart showing Mazda 5 insurance rates range from $563 to $3,708 for full coverage

Car insurance prices for a Mazda 5 are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.

Choosing high deductibles could cut prices by as much as $270 a year, while buying higher liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $900 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged as much as $3,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,100 to $1,600 extra each year, depending on your age. A high-risk auto insurance policy can be around 43% to 131% more than average. View High Risk Driver Rates

The state you live in has a huge impact on Mazda 5 insurance rates. A driver around age 40 might see prices as low as $610 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,270 on average in Michigan, New York, and Florida.

Mazda 5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $848 -$90 -9.6%
Alaska $720 -$218 -23.2%
Arizona $778 -$160 -17.1%
Arkansas $938 -$0 0.0%
California $1,068 $130 13.9%
Colorado $894 -$44 -4.7%
Connecticut $962 $24 2.6%
Delaware $1,058 $120 12.8%
Florida $1,170 $232 24.7%
Georgia $866 -$72 -7.7%
Hawaii $674 -$264 -28.1%
Idaho $634 -$304 -32.4%
Illinois $698 -$240 -25.6%
Indiana $706 -$232 -24.7%
Iowa $632 -$306 -32.6%
Kansas $888 -$50 -5.3%
Kentucky $1,276 $338 36.0%
Louisiana $1,388 $450 48.0%
Maine $578 -$360 -38.4%
Maryland $774 -$164 -17.5%
Massachusetts $748 -$190 -20.3%
Michigan $1,626 $688 73.3%
Minnesota $784 -$154 -16.4%
Mississippi $1,124 $186 19.8%
Missouri $830 -$108 -11.5%
Montana $1,006 $68 7.2%
Nebraska $736 -$202 -21.5%
Nevada $1,124 $186 19.8%
New Hampshire $676 -$262 -27.9%
New Jersey $1,048 $110 11.7%
New Mexico $828 -$110 -11.7%
New York $986 $48 5.1%
North Carolina $540 -$398 -42.4%
North Dakota $770 -$168 -17.9%
Ohio $646 -$292 -31.1%
Oklahoma $960 $22 2.3%
Oregon $858 -$80 -8.5%
Pennsylvania $894 -$44 -4.7%
Rhode Island $1,250 $312 33.3%
South Carolina $850 -$88 -9.4%
South Dakota $792 -$146 -15.6%
Tennessee $818 -$120 -12.8%
Texas $1,128 $190 20.3%
Utah $694 -$244 -26.0%
Vermont $640 -$298 -31.8%
Virginia $562 -$376 -40.1%
Washington $722 -$216 -23.0%
West Virginia $858 -$80 -8.5%
Wisconsin $646 -$292 -31.1%
Wyoming $834 -$104 -11.1%

View Chart as Image

Mazda 5 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Mazda 5 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Mazda 5 Sport Station Wagon $892 $74
Mazda 5 Touring Station Wagon $954 $80
Mazda 5 Grand Touring Station Wagon $978 $82

Rates assume 2014 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.

Mazda 5 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2015 Mazda 5 $176 $254 $402 $968
2014 Mazda 5 $164 $236 $402 $938
2013 Mazda 5 $158 $214 $406 $914
2012 Mazda 5 $148 $196 $402 $882
2010 Mazda 5 $134 $160 $398 $828

Rates are averaged for all Mazda 5 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for Low Cost Mazda 5 Insurance

Getting lower rates on auto insurance requires having a good driving record, maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Set aside time to compare rates at every policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a review of the data covered above.

  • Consumers who may need increased levels of liability coverage will pay about $440 annually to increase from a low limit to a 250/500 level
  • It is possible to save up to $110 per year just by quoting early and online
  • Increasing physical damage deductibles could save as much as $275 each year
  • Drivers age 20 and younger are the costliest to insure, as much as $309 a month if the policy includes full coverage

Rates by Driver Age

Mazda 5 Insurance Rates by Driver Age
Driver Age Premium
16 $3,708
20 $2,146
30 $960
40 $938
50 $860
60 $842

Full coverage, $500 deductibles

Rates by Deductible

Mazda 5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,112
$250 $1,032
$500 $938
$1,000 $846

Full coverage, driver age 40

Rates by Liability Limit

Mazda 5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $938
50/100 $1,058
100/300 $1,159
250/500 $1,420
100 CSL $1,099
300 CSL $1,320
500 CSL $1,481

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda 5 Insurance Rates for High Risk Drivers
Age Premium
16 $5,242
20 $3,420
30 $2,044
40 $2,020
50 $1,926
60 $1,910

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.

SR-22 Surcharge $127

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $48
Multi-vehicle $50
Homeowner $16
5-yr Accident Free $60
5-yr Claim Free $59
Paid in Full/EFT $36
Advance Quote $42
Online Quote $64
Total Discounts $375
Rate after discounts $563

Discounts are estimated and may not be available from every company or in every state.

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