Mazda 5 Insurance Rates
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UPDATED: Jun 4, 2023
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U.S. average insurance rates for a Mazda 5 are $882 a year for full coverage. Comprehensive costs an estimated $148, collision insurance costs $196, and liability costs around $402. Liability-only insurance costs as low as $446 a year, and high-risk driver insurance costs around $1,898. Teens pay the highest rates at up to $3,528 a year.
Average premium for full coverage: $882
Price estimates broken down by individual coverage:
Rates are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for all 5 models.
Price Range from Low to High
For a 40-year-old driver, Mazda 5 insurance prices range from as low as $446 for minimum levels of liability insurance to the much higher price of $1,898 for a policy for a high-risk driver.
Geographic Price Range
Where you live can make a big difference on insurance rates. More rural locations have a lower frequency of accident claims than cities with more traffic congestion. The example below illustrates how your location can change insurance prices.
The ranges above show why everyone should compare prices for a targeted area and risk profile, instead of making a decision based on averaged prices.
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.
Additional Rate Details
The chart below shows average Mazda 5 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $534
- Using higher $1,000 deductibles will save approximately $78 a year
- The average rate for the average middle-age driver who has $500 deductibles is $882
- Selecting pricier low deductibles for physical damage coverage will increase the cost to $1,030
- High-risk insureds with serious driving violations could pay up to $1,898
- The price for full coverage for a 16-year-old driver for full coverage can cost as much as $3,528 or more
Car insurance prices for a Mazda 5 are also quite variable based on your driving record, the trim level of your 5, and liability limits and deductibles.
A more mature driver with no driving violations and high deductibles may pay as low as $800 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged at least $3,500 a year. View Rates by Age
The state you live in has a huge impact on Mazda 5 insurance prices. A driver around age 40 might see prices as low as $580 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,260 on average in New York, Louisiana, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $230 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying $1,000 to $1,500 extra each year, depending on your age. Mazda 5 insurance for high-risk drivers can be from 43% to 126% more than the average policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Best Cheap Mazda 5 Insurance
Getting lower rates on insurance for a Mazda 5 requires avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and possibly higher deductibles. Invest the time to shop around every year by getting rate quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The list below is a quick review of the coverage data illustrated above.
- Drivers can save approximately $100 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $225 each year
- Teenagers have the highest car insurance prices, with premiums as much as $294 a month if full coverage is included
- Drivers considered higher risk with a DUI or reckless driving violation pay an average of $1,020 more annually for car insurance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,030 |
| $250 | $964 |
| $500 | $882 |
| $1,000 | $804 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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