Mazda 5 Insurance Rates

Average insurance rates for a Mazda 5 are $938 a year including full coverage. Comprehensive insurance costs approximately $164 a year, collision costs $236, and liability coverage is estimated at $402. A policy with just liability insurance costs approximately $446 a year, with coverage for high-risk drivers costing $2,020 or more. Teenage drivers receive the highest rates at $3,708 a year or more.

Average premium for full coverage: $938

Rate estimates by individual coverage type:

Prices include $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and 5 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how geographic area affects auto insurance prices.

These examples highlight why it is important to get quotes using their specific location, rather than using average rates.

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

Additional Rate Details

The chart below breaks down estimated Mazda 5 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $563
• Choosing higher $1,000 deductibles can save $846 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $938
• Using low $100 deductibles for comp and collision coverage will cost an additional $174 each year
• Drivers who are prone to accidents and violations could pay around $2,020 or more
• The cost that insures a teenage driver can cost $3,708 each year

View Chart as Image

Insurance rates for a Mazda 5 can also vary considerably based on the trim level of your 5, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,100 to $1,600 additional per year, depending on your age. A high-risk auto insurance policy ranges around 43% to 131% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $900 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $3,700 a year. View Rates by Age

Where you live plays a big part in determining prices for Mazda 5 insurance rates. A good driver about age 40 could pay as low as $720 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,340 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $270 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate rates, and rates can be significantly different.

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 the Right Mazda 5 Insurance

Saving money on auto insurance takes having a good driving record, having a good credit score, not filing small claims, and qualifying for all possible discounts. Compare prices every other policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The next list is a quick rundown of the ideas that were presented in the illustrations above.

• Drivers age 20 and younger are the costliest to insure, as much as $309 per month if comprehensive and collision insurance is included
• Drivers with reckless driving or DUI convictions will likely pay on average $1,080 more per year to buy Mazda 5 insurance
• Increasing deductibles can save approximately $275 each year
• You may be able to save around $110 per year simply by quoting early and online