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 including full coverage. Comprehensive costs an estimated $164 a year, collision insurance costs $236, and liability coverage is $402. A policy with just liability insurance costs around $446 a year, and coverage for high-risk drivers 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 broken down by individual coverage:

Comprehensive $164
Collision $236
Liability $402

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and 5 trim levels.

Price Range from Low to High

For an average driver, Mazda 5 insurance prices range from the cheapest price of $446 for a discount liability-only rate to a high of $2,020 for a driver that may need high-risk insurance.

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

Geographic Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates the effect of geographic area on insurance prices.

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

The ranges above highlight why it is important to compare rates quotes for a targeted area 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.

Rates by State, City, and Model

The chart below breaks down average Mazda 5 insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $563
  • Raising to $1,000 deductibles will save approximately $846 every year
  • The average price for the average middle-age driver who has $500 deductibles is $938
  • Choosing low $100 deductibles increases the price to $1,112
  • Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,020
  • The price to insure a teenage driver can cost as much as $3,708

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

Insurance prices for a Mazda 5 are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.

Choosing high deductibles can reduce prices by up to $270 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $900 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay at least $3,700 a year. View Rates by Age

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

The state you live in also has a big influence on Mazda 5 insurance rates. A middle-age driver might find prices as low as $720 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,340 on average in Louisiana, New York, and Michigan.

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 Affordable Mazda 5 Insurance

Getting lower rates on auto insurance consists of avoiding accidents and claims, having good credit, being claim-free, and deciding if full coverage is necessary. Take the time to compare rates once a year by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The points below are a brief review of the data that was covered in the above illustrations.

  • You may be able to save approximately $110 per year just by quoting early and online
  • Consumers who want increased liability limits will pay about $440 per year to raise from a low limit to a 250/500 level
  • Drivers under the age of 20 are charged the highest prices, possibly costing $309 a month if they have full coverage
  • Drivers with DUI or reckless driving convictions may have to pay on average $1,080 more annually to insure a Mazda 5

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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