Mazda 5 Insurance Rates

Average insurance rates for a Mazda 5 are $938 a year including full coverage. Comprehensive costs approximately $164 each year, collision costs $236, and liability insurance is estimated at $402. A liability-only policy costs approximately $446 a year, with high-risk insurance costing around $2,020. Teens receive the highest rates at $3,708 a year or more.

Average premium for full coverage: $938

Rate estimates by individual coverage type:

Full coverage includes $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and 5 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

These examples highlight why all drivers should get quotes using their specific location, rather than relying on averaged prices.

Use the form below to get customized rates for your location.

More Rate Information

The chart below breaks down estimated Mazda 5 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $563
• Choosing higher $1,000 deductibles can save $92 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $938
• Selecting low deductibles for comp and collision coverage bumps up the cost to $1,112
• High-risk insureds with serious driving violations could pay around $2,020 or more
• The cost that insures a teen driver can cost $3,708 each year

View Chart as Image

Insurance rates for a Mazda 5 can also vary considerably based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,100 to $1,600 extra per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $900 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $3,700 a year. View Rates by Age

Where you live plays a big part in determining prices for Mazda 5 insurance rates. A good driver about age 40 could pay as low as $720 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,340 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $270 each year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to do a rate comparison from as many companies as possible. Each auto insurer calculates rates differently, so the rates can be significantly different.

Insurance Rates by Trim Level and Model Year

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.

How to Find More Affordable Mazda 5 Insurance

Saving money on Mazda 5 insurance takes being a low-risk driver, having above-average credit, not filing small claims, and maximizing policy discounts. Compare rates every other policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The items below are a summary of the ideas that were covered above.

• Teen drivers are expensive to insure, as much as $309 per month if full coverage is included
• High-risk drivers who have multiple accidents or major violations will likely pay on average $1,080 more per year to insure their 5
• Increasing deductibles can save approximately $275 each year
• You may be able to save around $110 per year simply by quoting online in advance