Mazda 5 Insurance Rates

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UPDATED: May 14, 2024

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The average insurance prices for a Mazda 5 are $938 every 12 months with full coverage. Comprehensive costs approximately $164 a year, collision insurance costs $236, and liability insurance costs around $402. Liability-only insurance costs as low as $446 a year, and high-risk driver insurance costs around $2,020. Teen drivers cost the most to insure at up to $3,708 a year.

Average premium for full coverage: $938

Policy rates by type of insurance:

Comprehensive $164
Collision $236
Liability $402

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and 5 trim levels.

Price Range Variability

For a driver in their 40's, Mazda 5 insurance rates range from the cheapest price of $446 for liability-only coverage to a high of $2,020 for a high-risk driver policy.

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

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. Rural locations are shown to have more infrequent collision claims than larger metro areas. The diagram below illustrates how location helps determine auto insurance prices.

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

The examples above demonstrate why it is important to compare prices using their specific location and their own driving history, rather than relying on 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.

Additional Charts and Tables

The chart below details 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 annually
  • The average price for a good driver age 40 who chooses $500 deductibles is $938
  • Choosing low $100 deductibles for physical damage coverage increases the price to $1,112
  • Drivers with multiple violations and an at-fault accident could pay around $2,020
  • Policy cost to insure a teen driver can cost $3,708 or more

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

Auto insurance rates for a Mazda 5 also range considerably based on liability limits and deductibles, your driving record, and the model of your 5.

Choosing high deductibles could cut rates by as much as $270 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay in the ballpark of $3,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,100 to $1,600 in extra premium every year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 131% more than average. View High Risk Driver Rates

Your home state has a huge impact on Mazda 5 insurance rates. A driver around age 40 might see rates as low as $680 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,270 on average in New York, Michigan, and Florida.

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 the Best Cheap Mazda 5 Insurance

Finding cheaper rates on Mazda 5 insurance requires avoiding accidents and claims, having a good credit score, not filing small claims, and possibly higher deductibles. Invest time comparing rates every time your policy renews by obtaining price quotes from direct companies, and also from insurance agencies where you live.

The points below are a quick review of the information covered in the charts and tables above.

  • You may be able to save around $110 per year just by quoting early and online
  • Drivers under the age of 20 have the highest car insurance rates, as much as $309 each month if comprehensive and collision insurance is included
  • Increasing comprehensive and collision deductibles could save as much as $275 each year
  • High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,080 more per year to insure a Mazda 5
  • Drivers who purchase increased liability limits will pay about $440 every year to increase from a 30/60 limit to a 250/500 level

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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