Mazda 5 Insurance Rates
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UPDATED: May 14, 2024
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Estimated insurance rates for a Mazda 5 are $982 a year with full coverage. Comprehensive costs around $180 each year, collision insurance costs $272, and liability coverage is estimated at $394. A policy with only liability insurance costs approximately $440 a year, and a high-risk policy costs around $2,118. Teens pay the most at up to $3,842 a year.
Average premium for full coverage: $982
Premium estimates for type of coverage:
Includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and 5 models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Mazda 5 range from as low as $440 for just the minimum liability insurance to a high rate of $2,118 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city has a large influence on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects auto insurance rates.
These rate differences demonstrate why all drivers should get quotes for a specific zip code and risk profile, rather than using 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 Analysis
The chart below details average Mazda 5 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $585
- Choosing higher $1,000 deductibles can save about $102 annually
- The average rate for a 40-year-old good driver using $500 deductibles is $982
- Selecting low deductibles for comp and collision coverage will increase the cost to $1,182
- Drivers with serious driving violations could pay at least $2,118
- An auto insurance policy for full coverage for a teenage driver can be $3,842 each year
Car insurance prices for a Mazda 5 also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.
More mature drivers with no driving violations and high deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged as much as $3,800 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Mazda 5 insurance rates. A good driver about age 40 could pay as low as $710 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,330 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $888 | -$94 | -9.6% |
| Alaska | $754 | -$228 | -23.2% |
| Arizona | $816 | -$166 | -16.9% |
| Arkansas | $982 | -$0 | 0.0% |
| California | $1,122 | $140 | 14.3% |
| Colorado | $936 | -$46 | -4.7% |
| Connecticut | $1,010 | $28 | 2.9% |
| Delaware | $1,110 | $128 | 13.0% |
| Florida | $1,230 | $248 | 25.3% |
| Georgia | $908 | -$74 | -7.5% |
| Hawaii | $708 | -$274 | -27.9% |
| Idaho | $666 | -$316 | -32.2% |
| Illinois | $732 | -$250 | -25.5% |
| Indiana | $742 | -$240 | -24.4% |
| Iowa | $662 | -$320 | -32.6% |
| Kansas | $934 | -$48 | -4.9% |
| Kentucky | $1,340 | $358 | 36.5% |
| Louisiana | $1,456 | $474 | 48.3% |
| Maine | $608 | -$374 | -38.1% |
| Maryland | $812 | -$170 | -17.3% |
| Massachusetts | $784 | -$198 | -20.2% |
| Michigan | $1,708 | $726 | 73.9% |
| Minnesota | $824 | -$158 | -16.1% |
| Mississippi | $1,176 | $194 | 19.8% |
| Missouri | $872 | -$110 | -11.2% |
| Montana | $1,056 | $74 | 7.5% |
| Nebraska | $772 | -$210 | -21.4% |
| Nevada | $1,180 | $198 | 20.2% |
| New Hampshire | $708 | -$274 | -27.9% |
| New Jersey | $1,098 | $116 | 11.8% |
| New Mexico | $870 | -$112 | -11.4% |
| New York | $1,036 | $54 | 5.5% |
| North Carolina | $568 | -$414 | -42.2% |
| North Dakota | $808 | -$174 | -17.7% |
| Ohio | $676 | -$306 | -31.2% |
| Oklahoma | $1,008 | $26 | 2.6% |
| Oregon | $902 | -$80 | -8.1% |
| Pennsylvania | $936 | -$46 | -4.7% |
| Rhode Island | $1,310 | $328 | 33.4% |
| South Carolina | $894 | -$88 | -9.0% |
| South Dakota | $830 | -$152 | -15.5% |
| Tennessee | $860 | -$122 | -12.4% |
| Texas | $1,186 | $204 | 20.8% |
| Utah | $728 | -$254 | -25.9% |
| Vermont | $672 | -$310 | -31.6% |
| Virginia | $588 | -$394 | -40.1% |
| Washington | $758 | -$224 | -22.8% |
| West Virginia | $902 | -$80 | -8.1% |
| Wisconsin | $678 | -$304 | -31.0% |
| Wyoming | $874 | -$108 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $310 a year, whereas increasing liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $354 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out at least $1,200 to $1,600 extra annually, depending on your age. Insurance for high-risk drivers ranges around 42% to 136% 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 | $928 | $77 |
| Mazda 5 Touring Station Wagon | $1,002 | $84 |
| Mazda 5 Grand Touring Station Wagon | $1,030 | $86 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2015 Mazda 5 | $188 | $292 | $390 | $1,006 |
| 2014 Mazda 5 | $180 | $272 | $394 | $982 |
| 2013 Mazda 5 | $176 | $254 | $402 | $968 |
| 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 Cheapest Mazda 5 Insurance
Finding better rates on auto insurance takes having a decent driving record, having above-average credit, being claim-free, and consideration of higher deductibles. Set aside time to shop around every year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The following items are a recap of the coverage data raised in the charts and tables above.
- You may be able to save up to $110 per year just by quoting online in advance
- Increasing policy deductibles can save around $300 each year
- 16 to 18-year-old drivers are the costliest to insure, possibly costing $320 per month if full coverage is included
- Drivers that have major violations or accidents pay an average of $1,140 more every year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,842 |
| 20 | $2,254 |
| 30 | $1,010 |
| 40 | $982 |
| 50 | $902 |
| 60 | $884 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,182 |
| $250 | $1,090 |
| $500 | $982 |
| $1,000 | $880 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $982 |
| 50/100 | $1,109 |
| 100/300 | $1,207 |
| 250/500 | $1,463 |
| 100 CSL | $1,148 |
| 300 CSL | $1,365 |
| 500 CSL | $1,523 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,438 |
| 20 | $3,588 |
| 30 | $2,148 |
| 40 | $2,118 |
| 50 | $2,024 |
| 60 | $2,004 |
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 | $51 |
| Multi-vehicle | $52 |
| Homeowner | $16 |
| 5-yr Accident Free | $64 |
| 5-yr Claim Free | $62 |
| Paid in Full/EFT | $39 |
| Advance Quote | $45 |
| Online Quote | $68 |
| Total Discounts | $397 |
Discounts are estimated and may not be available from every company or in every state.
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