Mazda 5 Insurance Rates
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UPDATED: Jun 4, 2023
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The average insurance rates for a Mazda 5 are $914 a year including full coverage. Comprehensive costs around $158, collision costs $214, and liability insurance is $406. Liability-only insurance costs around $450 a year, with high-risk driver insurance costing around $1,968. Teens cost the most to insure at $3,634 a year or more.
Average premium for full coverage: $914
Policy rates for type of insurance:
Prices include $500 deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for different 5 trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Mazda 5 insurance rates go from as low as $450 for a discount liability-only rate to a much higher rate of $1,968 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates how rural and urban location affects auto insurance rates.
The examples above highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, rather than relying 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.
Rates by State, City, and Model
The chart below breaks down estimated Mazda 5 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $550
- Raising to $1,000 deductibles will save about $84 every year
- The average rate for a good driver age 40 using $500 deductibles is $914
- Selecting more expensive low deductibles will increase the cost to $1,078
- Higher-risk drivers with serious driving violations could pay at least $1,968 or more
- Policy cost for full coverage for a teen driver with full coverage can be $3,634
Auto insurance rates for a Mazda 5 also range considerably based on your risk profile, the model of your 5, and deductibles and policy limits.
An older driver with a good driving record and high deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $3,600 a year. View Rates by Age
Your home state also has a big influence on Mazda 5 insurance rates. A middle-age driver might find rates as low as $700 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,310 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $826 | -$88 | -9.6% |
| Alaska | $702 | -$212 | -23.2% |
| Arizona | $758 | -$156 | -17.1% |
| Arkansas | $914 | -$0 | 0.0% |
| California | $1,040 | $126 | 13.8% |
| Colorado | $872 | -$42 | -4.6% |
| Connecticut | $938 | $24 | 2.6% |
| Delaware | $1,034 | $120 | 13.1% |
| Florida | $1,142 | $228 | 24.9% |
| Georgia | $844 | -$70 | -7.7% |
| Hawaii | $658 | -$256 | -28.0% |
| Idaho | $620 | -$294 | -32.2% |
| Illinois | $680 | -$234 | -25.6% |
| Indiana | $690 | -$224 | -24.5% |
| Iowa | $616 | -$298 | -32.6% |
| Kansas | $868 | -$46 | -5.0% |
| Kentucky | $1,246 | $332 | 36.3% |
| Louisiana | $1,354 | $440 | 48.1% |
| Maine | $564 | -$350 | -38.3% |
| Maryland | $754 | -$160 | -17.5% |
| Massachusetts | $728 | -$186 | -20.4% |
| Michigan | $1,586 | $672 | 73.5% |
| Minnesota | $766 | -$148 | -16.2% |
| Mississippi | $1,096 | $182 | 19.9% |
| Missouri | $810 | -$104 | -11.4% |
| Montana | $980 | $66 | 7.2% |
| Nebraska | $722 | -$192 | -21.0% |
| Nevada | $1,096 | $182 | 19.9% |
| New Hampshire | $658 | -$256 | -28.0% |
| New Jersey | $1,024 | $110 | 12.0% |
| New Mexico | $808 | -$106 | -11.6% |
| New York | $964 | $50 | 5.5% |
| North Carolina | $528 | -$386 | -42.2% |
| North Dakota | $750 | -$164 | -17.9% |
| Ohio | $630 | -$284 | -31.1% |
| Oklahoma | $936 | $22 | 2.4% |
| Oregon | $838 | -$76 | -8.3% |
| Pennsylvania | $870 | -$44 | -4.8% |
| Rhode Island | $1,220 | $306 | 33.5% |
| South Carolina | $830 | -$84 | -9.2% |
| South Dakota | $772 | -$142 | -15.5% |
| Tennessee | $800 | -$114 | -12.5% |
| Texas | $1,102 | $188 | 20.6% |
| Utah | $676 | -$238 | -26.0% |
| Vermont | $624 | -$290 | -31.7% |
| Virginia | $548 | -$366 | -40.0% |
| Washington | $706 | -$208 | -22.8% |
| West Virginia | $838 | -$76 | -8.3% |
| Wisconsin | $630 | -$284 | -31.1% |
| Wyoming | $816 | -$98 | -10.7% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $250 each year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $366 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,100 to $1,500 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 41% to 133% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out your exact price is to compare rates from as many companies as possible. Every auto insurance company calculates rates differently, and quoted rates will be varied from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda 5 Sport Station Wagon | $872 | $73 |
| Mazda 5 Touring Station Wagon | $928 | $77 |
| Mazda 5 Grand Touring Station Wagon | $952 | $79 |
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 | $176 | $254 | $402 | $968 |
| 2010 Mazda 5 | $158 | $214 | $406 | $914 |
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
Finding cheaper rates on Mazda 5 insurance consists of not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to shop around at least once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following is a quick rundown of the primary concepts that were raised in the charts and tables above.
- You may be able to save up to $100 per year simply by shopping early and online
- High-risk drivers with reckless driving or DUI convictions pay on average $1,050 more every year for 5 insurance
- Increasing comprehensive and collision deductibles can save around $250 each year
- Teens are expensive to insure, with premiums being up to $303 each month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,634 |
| 20 | $2,088 |
| 30 | $934 |
| 40 | $914 |
| 50 | $840 |
| 60 | $824 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,078 |
| $250 | $1,004 |
| $500 | $914 |
| $1,000 | $830 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $914 |
| 50/100 | $1,033 |
| 100/300 | $1,135 |
| 250/500 | $1,399 |
| 100 CSL | $1,074 |
| 300 CSL | $1,297 |
| 500 CSL | $1,460 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,130 |
| 20 | $3,326 |
| 30 | $1,988 |
| 40 | $1,968 |
| 50 | $1,880 |
| 60 | $1,860 |
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 | $47 |
| Multi-vehicle | $49 |
| Homeowner | $16 |
| 5-yr Accident Free | $57 |
| 5-yr Claim Free | $58 |
| Paid in Full/EFT | $34 |
| Advance Quote | $41 |
| Online Quote | $62 |
| Total Discounts | $364 |
Discounts are estimated and may not be available from every company or in every state.
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