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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Average auto insurance rates for a Mazda 5 are $938 annually with full coverage. Comprehensive costs around $164, collision costs $236, and liability costs $402. A liability-only policy costs as little as $446 a year, with high-risk insurance costing around $2,020. 16-year-old drivers receive the highest rates at $3,708 a year or more.
Average premium for full coverage: $938
Rate estimates for individual coverage type:
Estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all 5 models.
Price Range by Coverage and Risk
For the average driver, prices range go from as cheap as $446 for just liability insurance to the much higher price of $2,020 for a driver that may need high-risk insurance.
Price Range by Location
Your location can make a big difference on insurance rates. Areas with sparse population tend to have fewer collision claims than congested cities.
The example below illustrates how location impacts auto insurance rates.
These examples demonstrate why everyone should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on rate 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.
More Rate Details
The chart below details estimated Mazda 5 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $563
- Drivers who choose higher $1,000 deductibles will pay about $92 annually
- The estimated rate for a 40-year-old driver using $500 deductibles is $938
- Buying pricier low deductibles for comprehensive and collision insurance will cost $1,112
- Drivers with multiple tickets or accidents could pay at least $2,020 or more
- The cost with full coverage for a 16-year-old driver for full coverage can be $3,708 a year
Insurance rates for a Mazda 5 can also vary considerably based on the trim level of your 5, your driving record, and deductibles and policy limits.
A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $900 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay as much as $3,700 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at least $1,100 to $1,600 extra per year, depending on your age. Mazda 5 insurance for high-risk drivers can cost from 43% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $270 annually, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $362 more per year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Mazda 5 insurance prices. A 40-year-old driver could pay as low as $680 a year in states like New Hampshire, Ohio, and Utah, or at least $1,270 on average in Florida, Michigan, and New York.
| 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% |
With so much variability in rates, the best way to find out your exact price is to regularly compare rates from multiple companies. Every company utilizes a different rate formula, so the rates can be significantly different between companies.
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 Buy Low Cost Mazda 5 Insurance
Saving money on insurance for a Mazda 5 not only requires being safe and accident-free, but also having a good credit history, eliminating unnecessary coverage, and insuring your home and auto with the same company. Spend time shopping around once a year by getting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
Below you'll find a review of the data that was touched on above.
- You may be able to save up to $110 per year simply by quoting online well ahead of the renewal date
- Insureds who may need more liability protection will pay around $440 every year to go from a minimum limit to higher 250/500 limits
- Youthful drivers pay higher rates, with premiums as much as $309 per month including comprehensive and collision insurance
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,080 more every year than a low-risk driver
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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