Mazda 5 Insurance Rates

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UPDATED: May 14, 2024

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U.S. average insurance prices for a Mazda 5 are $968 every 12 months for full coverage. Comprehensive insurance costs approximately $176, collision insurance costs $254, and liability costs $402. Liability-only insurance costs as little as $446 a year, and high-risk driver insurance costs $2,086 or more. 16-year-old drivers pay the highest rates at up to $3,798 a year.

Average premium for full coverage: $968

Price estimates by individual coverage:

Comprehensive $176
Collision $254
Liability $402

Rate estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for different 5 trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, Mazda 5 insurance prices range from the cheapest price of $446 for just liability coverage to a much higher rate of $2,086 for a driver that may need high-risk insurance.

Liability Only $446
Full Coverage $968
High Risk $2,086

Geographic Price Range

Your location can have significant affects on car insurance rates. Rural locations have more infrequent accident claims than congested cities. The price range example below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $726
Small Cities $1,016
Large Cities $1,307

The ranges above show why anyone shopping for car insurance should compare rates using their specific location and their own driving history, instead of 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.

Detailed Rate Analysis

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

  • The best full coverage rate is $578
  • Drivers who choose higher $1,000 deductibles will pay $98 a year
  • The average price for the average middle-age driver who chooses $500 deductibles is $968
  • Buying more expensive low deductibles for comprehensive and collision insurance costs an extra $188 every year
  • Higher-risk drivers with multiple tickets or accidents could pay around $2,086
  • The price to insure a teen driver with full coverage can cost $3,798 a year

View Chart as Image

Mazda 5 insurance cost comparison chart
Column chart showing Mazda 5 insurance prices range from $578 to $3,798 for full coverage

Car insurance prices for a Mazda 5 are also quite variable based on deductibles and policy limits, your driver profile, and the model of your 5.

Opting for high physical damage deductibles could save up to $290 every year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 liability 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

An older driver with no driving violations and higher deductibles may pay as little as $900 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged in the ballpark of $3,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,100 to $1,600 extra each year, depending on your age. High-risk driver insurance can cost as much as 42% to 126% more than the average rate. View High Risk Driver Rates

The state you live in makes a big difference in Mazda 5 insurance prices. A 40-year-old driver could pay as low as $640 a year in states like Iowa, Maine, and Idaho, or at least $1,380 on average in New York, Louisiana, and Michigan.

Mazda 5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $876 -$92 -9.5%
Alaska $744 -$224 -23.1%
Arizona $804 -$164 -16.9%
Arkansas $968 -$0 0.0%
California $1,102 $134 13.8%
Colorado $924 -$44 -4.5%
Connecticut $994 $26 2.7%
Delaware $1,094 $126 13.0%
Florida $1,208 $240 24.8%
Georgia $896 -$72 -7.4%
Hawaii $694 -$274 -28.3%
Idaho $656 -$312 -32.2%
Illinois $722 -$246 -25.4%
Indiana $730 -$238 -24.6%
Iowa $652 -$316 -32.6%
Kansas $920 -$48 -5.0%
Kentucky $1,320 $352 36.4%
Louisiana $1,434 $466 48.1%
Maine $598 -$370 -38.2%
Maryland $800 -$168 -17.4%
Massachusetts $772 -$196 -20.2%
Michigan $1,680 $712 73.6%
Minnesota $812 -$156 -16.1%
Mississippi $1,160 $192 19.8%
Missouri $858 -$110 -11.4%
Montana $1,040 $72 7.4%
Nebraska $760 -$208 -21.5%
Nevada $1,162 $194 20.0%
New Hampshire $698 -$270 -27.9%
New Jersey $1,082 $114 11.8%
New Mexico $856 -$112 -11.6%
New York $1,020 $52 5.4%
North Carolina $558 -$410 -42.4%
North Dakota $794 -$174 -18.0%
Ohio $668 -$300 -31.0%
Oklahoma $992 $24 2.5%
Oregon $888 -$80 -8.3%
Pennsylvania $922 -$46 -4.8%
Rhode Island $1,290 $322 33.3%
South Carolina $878 -$90 -9.3%
South Dakota $816 -$152 -15.7%
Tennessee $846 -$122 -12.6%
Texas $1,166 $198 20.5%
Utah $716 -$252 -26.0%
Vermont $660 -$308 -31.8%
Virginia $580 -$388 -40.1%
Washington $746 -$222 -22.9%
West Virginia $888 -$80 -8.3%
Wisconsin $668 -$300 -31.0%
Wyoming $860 -$108 -11.2%

View Chart as Image

Mazda 5 insurance rates by U.S. city

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 $916 $76
Mazda 5 Touring Station Wagon $986 $82
Mazda 5 Grand Touring Station Wagon $1,010 $84

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.

Mazda 5 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2015 Mazda 5 $180 $272 $394 $982
2014 Mazda 5 $176 $254 $402 $968
2013 Mazda 5 $164 $236 $402 $938
2012 Mazda 5 $158 $214 $406 $914
2010 Mazda 5 $140 $178 $402 $856

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 Shop for the Best Mazda 5 Insurance

Getting lower rates on car insurance not only requires having a decent driving record, but also maintaining a good credit score, eliminating unnecessary coverage, and attention to physical damage deductibles. Set aside time to shop around once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a brief recap of the data that was raised in the charts and tables above.

  • Drivers can save around $110 per year just by shopping early and online
  • Policyholders who purchase additional liability coverage will pay around $440 each year to go from a low limit to a 250/500 level
  • 16 to 18-year-old drivers pay the highest auto insurance prices, with premiums as much as $317 a month if the policy includes full coverage
  • Higher risk drivers who tend to receive serious violations may pay on average $1,120 more per year than a driver with a clean driving record

Rates by Driver Age

Mazda 5 Insurance Rates by Driver Age
Driver Age Premium
16 $3,798
20 $2,214
30 $992
40 $968
50 $888
60 $872

Full coverage, $500 deductibles

Rates by Deductible

Mazda 5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,156
$250 $1,070
$500 $968
$1,000 $870

Full coverage, driver age 40

Rates by Liability Limit

Mazda 5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $968
50/100 $1,090
100/300 $1,191
250/500 $1,452
100 CSL $1,131
300 CSL $1,352
500 CSL $1,513

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda 5 Insurance Rates for High Risk Drivers
Age Premium
16 $5,376
20 $3,526
30 $2,112
40 $2,086
50 $1,990
60 $1,972

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 $131

Potential Rate Discounts

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

Discount Savings
Multi-policy $50
Multi-vehicle $52
Homeowner $16
5-yr Accident Free $62
5-yr Claim Free $61
Paid in Full/EFT $38
Advance Quote $44
Online Quote $67
Total Discounts $390
Rate after discounts $578

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

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