Mazda 5 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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Average insurance rates for a Mazda 5 are $882 a year for full coverage insurance. Comprehensive insurance costs on average $148 each year, collision costs $196, and liability coverage is $402. Liability-only coverage costs around $446 a year, with high-risk coverage costing $1,898 or more. 16-year-old drivers receive the highest rates at $3,528 a year or more.

Average premium for full coverage: $882

Rate estimates by individual coverage type:

Comprehensive $148
Collision $196
Liability $402

Prices include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and 5 models.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from the low end price of $446 for a discount liability-only rate to a high rate of $1,898 for a high-risk driver policy.

Liability Only $446
Full Coverage $882
High Risk $1,898

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Rural areas tend to have lower incidents of physical damage claims than congested cities.

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

Rural Areas $662
Small Cities $926
Large Cities $1,191

These examples illustrate why all drivers should compare rates quotes based on a specific location, rather than using rate 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.

Rates by State, City, and Model

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

  • The best full coverage rate is $534
  • Raising to $1,000 deductibles will save around $78 each year
  • The estimated price for a 40-year-old driver with $500 deductibles is $882
  • Buying low deductibles will cost an additional $148 each year
  • Unlucky drivers with multiple tickets or accidents could pay upwards of $1,898 or more
  • The cost that insures a teenage driver may cost $3,528

View Chart as Image

Mazda 5 insurance cost comparison chart
Column chart showing full coverage Mazda 5 insurance prices range from $534 to $3,528

Car insurance rates for a Mazda 5 can also vary considerably based on the trim level and model year, your age and driving record, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are probably paying at a minimum $1,000 to $1,500 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 126% more than the average rate. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $800 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged upwards of $3,500 a year. View Rates by Age

Where you live also has a big influence on Mazda 5 insurance rates. A middle-age driver might find rates as low as $580 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,190 on average in Michigan, New York, and Florida.

Mazda 5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $798 -$84 -9.5%
Alaska $676 -$206 -23.4%
Arizona $732 -$150 -17.0%
Arkansas $882 -$0 0.0%
California $1,004 $122 13.8%
Colorado $842 -$40 -4.5%
Connecticut $906 $24 2.7%
Delaware $996 $114 12.9%
Florida $1,100 $218 24.7%
Georgia $816 -$66 -7.5%
Hawaii $634 -$248 -28.1%
Idaho $598 -$284 -32.2%
Illinois $656 -$226 -25.6%
Indiana $666 -$216 -24.5%
Iowa $594 -$288 -32.7%
Kansas $836 -$46 -5.2%
Kentucky $1,202 $320 36.3%
Louisiana $1,304 $422 47.8%
Maine $546 -$336 -38.1%
Maryland $728 -$154 -17.5%
Massachusetts $704 -$178 -20.2%
Michigan $1,530 $648 73.5%
Minnesota $738 -$144 -16.3%
Mississippi $1,058 $176 20.0%
Missouri $782 -$100 -11.3%
Montana $946 $64 7.3%
Nebraska $692 -$190 -21.5%
Nevada $1,058 $176 20.0%
New Hampshire $636 -$246 -27.9%
New Jersey $988 $106 12.0%
New Mexico $778 -$104 -11.8%
New York $928 $46 5.2%
North Carolina $510 -$372 -42.2%
North Dakota $724 -$158 -17.9%
Ohio $608 -$274 -31.1%
Oklahoma $904 $22 2.5%
Oregon $808 -$74 -8.4%
Pennsylvania $840 -$42 -4.8%
Rhode Island $1,176 $294 33.3%
South Carolina $800 -$82 -9.3%
South Dakota $744 -$138 -15.6%
Tennessee $772 -$110 -12.5%
Texas $1,062 $180 20.4%
Utah $654 -$228 -25.9%
Vermont $602 -$280 -31.7%
Virginia $528 -$354 -40.1%
Washington $680 -$202 -22.9%
West Virginia $808 -$74 -8.4%
Wisconsin $608 -$274 -31.1%
Wyoming $784 -$98 -11.1%

View Chart as Image

Mazda 5 insurance rates by U.S. city

Opting for high physical damage deductibles can reduce rates by up to $230 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Every auto insurance company utilizes a different rate formula, so rate quotes can be significantly different.

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 $842 $70
Mazda 5 Touring Station Wagon $896 $75
Mazda 5 Grand Touring Station Wagon $916 $76

Rates assume 2010 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
2012 Mazda 5 $164 $236 $402 $938
2010 Mazda 5 $148 $196 $402 $882

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 Find the Right Mazda 5 Insurance

Saving money on auto insurance consists of having a decent driving record, having a positive credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Comparison shop every time your policy renews by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a quick rundown of the information covered above.

  • It is possible to save as much as $100 per year simply by quoting online in advance
  • 16 to 18-year-old drivers are expensive to insure, costing up to $294 per month if full coverage is purchased
  • Increasing deductibles can save approximately $225 each year
  • Drivers with reckless driving or DUI convictions may pay on average $1,020 more each year than a driver with a clean driving record
  • Consumers who require additional liability coverage will pay around $440 annually to raise from a minimum limit to the 250/500 level

Rates by Driver Age

Mazda 5 Insurance Rates by Driver Age
Driver Age Premium
16 $3,528
20 $2,014
30 $898
40 $882
50 $810
60 $794

Full coverage, $500 deductibles

Rates by Deductible

Mazda 5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,030
$250 $964
$500 $882
$1,000 $804

Full coverage, driver age 40

Rates by Liability Limit

Mazda 5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $882
50/100 $996
100/300 $1,097
250/500 $1,358
100 CSL $1,037
300 CSL $1,258
500 CSL $1,419

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda 5 Insurance Rates for High Risk Drivers
Age Premium
16 $4,976
20 $3,208
30 $1,914
40 $1,898
50 $1,810
60 $1,794

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 $118

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $45
Multi-vehicle $47
Homeowner $16
5-yr Accident Free $54
5-yr Claim Free $55
Paid in Full/EFT $32
Advance Quote $39
Online Quote $60
Total Discounts $348
Rate after discounts $534

Discounts are estimated and may not be available from every company or in every state.

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