Mazda 5 Insurance Rates

U.S. average insurance prices for a Mazda 5 are $938 every 12 months with full coverage. Comprehensive costs on average $164 each year, collision costs $236, and liability insurance is estimated at $402. Buying just liability costs approximately $446 a year, with insurance for high-risk drivers costing around $2,020. Teenage drivers pay the highest rates at $3,708 a year or more.

Average premium for full coverage: $938

Price estimates by individual coverage:

Rates are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and 5 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on auto insurance rates. Rural areas have more infrequent collision claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above demonstrate why all drivers should get quotes based on a specific location and their own driving history, rather than relying on average rates.

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

Detailed Rate Analysis

The chart below details estimated Mazda 5 insurance rates for different risk profiles and scenarios.

• The best discount rate is $563
• Choosing higher $1,000 deductibles can save around $92 annually
• The average price for the average middle-age driver with $500 deductibles is $938
• Using low deductibles for comp and collision coverage increases the price to $1,112
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,020 or more
• The price to insure a teen driver may cost $3,708 each year

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

Using high physical damage deductibles can save as much as $270 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $362 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $900 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay upwards of $3,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,100 to $1,600 additional each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Mazda 5 insurance rates. A good driver about age 40 could pay as low as $680 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,270 on average in Florida, Michigan, and New York.

View Chart as Image

Since prices can be so different, the best way to find out exactly what you will pay is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate prices, and prices may be quite 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 Shop for the Best Cheap Mazda 5 Insurance

Getting lower rates on Mazda 5 insurance takes being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to compare rates at every other renewal by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a quick review of the concepts that were covered above.

• High-risk drivers with a DUI or reckless driving violation may pay on average $1,080 more each year to insure their 5
• Teen drivers pay higher prices, costing up to $309 a month if full coverage is included
• You may be able to save as much as $110 per year simply by quoting online in advance
• Increasing physical damage deductibles could save as much as $275 each year
• You may be able to save as much as $110 per year simply by quoting online in advance