Mazda 5 Insurance Rates

The average insurance rates for a Mazda 5 are $938 a year with full coverage. Comprehensive costs approximately $164, collision insurance costs $236, and liability insurance is $402. Buying just liability costs around $446 a year, and insurance for high-risk drivers costs around $2,020. Teens cost the most to insure at up to $3,708 a year.

Average premium for full coverage: $938

Policy rates by type of insurance:

Includes $500 deductible amounts, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for different 5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion. The price range example below illustrates how location helps determine auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, rather than relying on averaged prices.

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

Additional Rate Information

The chart below details average Mazda 5 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $563
• Raising to $1,000 deductibles will save $92 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $938
• Selecting more expensive low deductibles will increase the cost to $1,112
• Higher-risk drivers with serious driving violations could pay around $2,020
• Policy cost for full coverage for a teen driver with full coverage can cost $3,708

View Chart as Image

Insurance rates for a Mazda 5 also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $3,700 a year. View Rates by Age

Your home state also has a big influence on Mazda 5 insurance rates. A middle-age driver might find rates as low as $680 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,270 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $270 each year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $362 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,100 to $1,600 extra every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates

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 Cheapest Mazda 5 Insurance

Finding cheaper rates on Mazda 5 insurance consists of having a good driving record, maintaining good credit, not filing small claims, and possibly raising deductibles. Invest time comparing rates every time your policy renews by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The next list is a recap of the information covered in the charts and tables above.

• You may be able to save around $110 per year just by shopping early and online
• Drivers age 20 and younger are expensive to insure, as much as $309 each month for full coverage
• Increasing comprehensive and collision deductibles can save around $275 each year
• High-risk drivers that have major violations or accidents pay on average $1,080 more per year to buy Mazda 5 insurance
• Drivers who purchase increased levels of liability coverage will pay approximately $440 every year to raise from a 30/60 limit to 250/500 limits