Mazda 5 Insurance Rates

Estimated insurance rates for a Mazda 5 are $968 a year including full coverage. Comprehensive insurance costs around $176 a year, collision insurance costs $254, and liability costs around $402. A policy with only liability insurance costs as low as $446 a year, and a high-risk policy costs $2,086 or more. Teens pay the most at up to $3,798 a year.

Average premium for full coverage: $968

Premium estimates for type of coverage:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and 5 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects auto insurance rates.

These rate differences highlight why it is important to compare prices for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $578
• Using higher $1,000 deductibles will save about $870 every year
• The average rate for a 40-year-old good driver using $500 deductibles is $968
• Selecting low $100 deductibles for physical damage coverage will cost an extra $188 annually
• High-risk insureds with serious driving violations could pay at least $2,086
• An auto insurance policy for full coverage for a 16-year-old driver can be $3,798 or more

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Car insurance prices for a Mazda 5 also have a wide range based on your driving characteristics, the model of your 5, and deductibles and policy limits.

Older drivers with no driving violations and high deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged as much as $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 $740 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,380 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $290 annually, while buying higher liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at least $1,100 to $1,600 extra annually, depending on your age. A high-risk auto insurance policy can be from 42% to 126% more than the average policy. View High Risk Driver Rates

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 Cheap Mazda 5 Insurance

Finding better rates on insurance for a Mazda 5 requires avoiding accidents and violations, having above-average credit, refrain from filing small claims, and consideration of higher deductibles. Set aside time to shop around every time your policy renews by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a brief summary of the information raised in the charts and tables above.

• You may be able to save up to $110 per year just by quoting early and online
• Teenagers are the costliest to insure, with the cost nearing $317 per month if full coverage is included
• Increasing policy deductibles can save around $275 each year
• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,120 more every year for car insurance
• Insureds who may need higher liability limits will pay approximately $440 per year to increase from 30/60 bodily injury limits to 250/500 limits