Mazda 5 Insurance Rates

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

Average premium for full coverage: $938

Policy rates for type of insurance:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different 5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The price range example below illustrates how location impacts auto insurance rates.

The examples above highlight why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, instead of using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $563
• Using higher $1,000 deductibles will save about $92 every year
• The average price for a good driver age 40 using $500 deductibles is $938
• Choosing more expensive low deductibles for physical damage coverage costs an extra $174 every year
• Drivers with multiple violations and an at-fault accident could pay at least $2,020 or more
• Policy cost to insure a teen driver with full coverage can be $3,708 or more

View Chart as Image

Auto insurance rates for a Mazda 5 also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Choosing high deductibles could cut rates by as much as $270 every year, while increasing your policy's liability limits will increase rates. Changing 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

An older driver with a good driving record and higher deductibles may 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 as much as $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 are likely paying at least $1,100 to $1,600 in extra premium every year, depending on your age. High-risk driver insurance can be as much as 43% to 131% more than average. View High Risk Driver Rates

Your home state has a huge impact on Mazda 5 insurance prices. A driver around age 40 might see rates as low as $720 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,340 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, and quoted rates will be varied.

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 Shop for Cheaper Mazda 5 Insurance

Finding cheaper rates on car insurance requires being a good driver, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Spend time shopping around at every policy renewal by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

The following list is a condensed summary of the data touched on above.

• Policyholders who may need an increased level of liability coverage will pay about $440 per year to increase from a 30/60 limit to a 250/500 level
• You may be able to save up to $110 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $275 each year
• Drivers age 16 to 20 are expensive to insure, with premiums being up to $309 each month if comprehensive and collision insurance is included