Mazda 5 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 14, 2024
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Estimated insurance rates for a Mazda 5 are $938 a year for full coverage. Comprehensive insurance costs approximately $164 a year, collision insurance costs $236, and liability costs around $402. Liability-only insurance costs as low as $446 a year, and high-risk driver insurance costs $2,020 or more. Teen drivers pay the most at up to $3,708 a year.
Average premium for full coverage: $938
Premium estimates by type of coverage:
Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and 5 trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Mazda 5 range from as low as $446 for basic liability insurance to a high of $2,020 for high-risk insurance.
Insurance Price Range by Location
Where you live can have significant affects on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than larger metro areas. The diagram below illustrates how rural and urban location affects auto insurance prices.
These rate differences show why it is important to compare prices using their specific location and risk profile, instead of 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.
Rate Comparisons
The chart below shows average Mazda 5 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $563
- Using higher $1,000 deductibles will save $846 a year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $938
- Choosing low $100 deductibles for physical damage coverage will cost an extra $174 every year
- Drivers with multiple violations and an at-fault accident could pay around $2,020
- An auto insurance policy for full coverage for a teen driver can cost $3,708 or more
Insurance prices for a Mazda 5 also have a wide range based on your driving characteristics, the trim level of your 5, and physical damage deductibles and liability limits.
Older drivers with no violations or accidents and high deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay in the ballpark of $3,700 a year. View Rates by Age
Where you choose to live has a huge impact on Mazda 5 insurance prices. A driver around age 40 might see prices as low as $620 a year in states like Iowa, Maine, and Idaho, or as much as $1,340 on average in New York, Louisiana, and Michigan.
| 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% |
Choosing high deductibles could cut prices by as much as $270 every year, while buying higher liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $362 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,100 to $1,600 additional annually, depending on your age. A high-risk auto insurance policy can be as much as 43% to 131% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Find Low Cost Mazda 5 Insurance
Finding better rates on car insurance requires having a decent driving record, having a good credit history, not filing small claims, and consideration of higher deductibles. Set aside time to shop around every couple of years by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following items are a review of the material that was raised in the charts and tables above.
- Policyholders who purchase additional liability coverage will pay about $440 each year to increase from 30/60 bodily injury limits to 250/500 limits
- 16 to 18-year-old drivers are the costliest to insure, as much as $309 per month including comprehensive and collision insurance
- Higher risk drivers who have several accidents or serious violations may pay on average $1,080 more per year than a driver with a clean driving record
- Increasing policy deductibles can save around $275 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,112 |
| $250 | $1,032 |
| $500 | $938 |
| $1,000 | $846 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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