Mazda 6 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 8, 2024
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The average insurance rates for a Mazda 6 are $1,344 a year with full coverage. Comprehensive insurance costs on average $260, collision insurance costs $484, and liability coverage is $442. Liability-only coverage costs around $496 a year, and high-risk coverage costs $2,920 or more. Teen drivers cost the most to insure at up to $5,126 a year.
Average premium for full coverage: $1,344
Policy rates by type of insurance:
Estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all 6 models.
Price Range Variability
For the average driver, Mazda 6 insurance rates range from as low as $496 for just liability insurance to the much higher price of $2,920 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than larger metro areas. The example below illustrates how location impacts car insurance rates.
The examples above demonstrate why everyone should compare rates quotes based on a specific location and risk profile, rather than using price 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.
More Rate Details
The chart below details average Mazda 6 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $775
- Raising to $1,000 deductibles will save around $168 annually
- The average rate for a good driver age 40 with $500 deductibles is $1,344
- Choosing pricier low deductibles will cost an extra $328 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,920
- Policy cost for full coverage for a teenage driver for full coverage may cost $5,126
Insurance rates for a Mazda 6 also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.
A more mature driver with no violations or accidents and high deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay upwards of $5,100 a year. View Rates by Age
Your home state also has a big influence on Mazda 6 insurance rates. A middle-age driver might find rates as low as $970 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,820 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,216 | -$128 | -9.5% |
| Alaska | $1,032 | -$312 | -23.2% |
| Arizona | $1,118 | -$226 | -16.8% |
| Arkansas | $1,344 | -$0 | 0.0% |
| California | $1,532 | $188 | 14.0% |
| Colorado | $1,284 | -$60 | -4.5% |
| Connecticut | $1,382 | $38 | 2.8% |
| Delaware | $1,522 | $178 | 13.2% |
| Florida | $1,682 | $338 | 25.1% |
| Georgia | $1,242 | -$102 | -7.6% |
| Hawaii | $966 | -$378 | -28.1% |
| Idaho | $910 | -$434 | -32.3% |
| Illinois | $1,002 | -$342 | -25.4% |
| Indiana | $1,014 | -$330 | -24.6% |
| Iowa | $908 | -$436 | -32.4% |
| Kansas | $1,278 | -$66 | -4.9% |
| Kentucky | $1,834 | $490 | 36.5% |
| Louisiana | $1,992 | $648 | 48.2% |
| Maine | $828 | -$516 | -38.4% |
| Maryland | $1,110 | -$234 | -17.4% |
| Massachusetts | $1,078 | -$266 | -19.8% |
| Michigan | $2,336 | $992 | 73.8% |
| Minnesota | $1,126 | -$218 | -16.2% |
| Mississippi | $1,610 | $266 | 19.8% |
| Missouri | $1,192 | -$152 | -11.3% |
| Montana | $1,444 | $100 | 7.4% |
| Nebraska | $1,060 | -$284 | -21.1% |
| Nevada | $1,610 | $266 | 19.8% |
| New Hampshire | $968 | -$376 | -28.0% |
| New Jersey | $1,504 | $160 | 11.9% |
| New Mexico | $1,190 | -$154 | -11.5% |
| New York | $1,416 | $72 | 5.4% |
| North Carolina | $774 | -$570 | -42.4% |
| North Dakota | $1,100 | -$244 | -18.2% |
| Ohio | $928 | -$416 | -31.0% |
| Oklahoma | $1,380 | $36 | 2.7% |
| Oregon | $1,232 | -$112 | -8.3% |
| Pennsylvania | $1,284 | -$60 | -4.5% |
| Rhode Island | $1,794 | $450 | 33.5% |
| South Carolina | $1,216 | -$128 | -9.5% |
| South Dakota | $1,134 | -$210 | -15.6% |
| Tennessee | $1,178 | -$166 | -12.4% |
| Texas | $1,620 | $276 | 20.5% |
| Utah | $996 | -$348 | -25.9% |
| Vermont | $920 | -$424 | -31.5% |
| Virginia | $806 | -$538 | -40.0% |
| Washington | $1,040 | -$304 | -22.6% |
| West Virginia | $1,232 | -$112 | -8.3% |
| Wisconsin | $932 | -$412 | -30.7% |
| Wyoming | $1,198 | -$146 | -10.9% |
Choosing high deductibles can reduce rates by up to $500 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,600 to $2,200 additional every year, depending on your age. Mazda 6 insurance for high-risk drivers is expensive and can cost around 43% to 133% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda 6 I Sport 4-Dr Sedan | $1,242 | $104 |
| Mazda 6 I SV 4-Dr Sedan | $1,242 | $104 |
| Mazda 6 I Touring 4-Dr Sedan | $1,278 | $107 |
| Mazda 6 I Touring Plus 4-Dr Sedan | $1,318 | $110 |
| Mazda 6 I Touring Plus 4-Dr Sedan | $1,318 | $110 |
| Mazda 6 I Grand Touring 4-Dr Sedan | $1,354 | $113 |
| Mazda 6 S Grand Touring 4-Dr Sedan | $1,420 | $118 |
| Mazda 6 S Grand Touring 6 Cyl 4-Dr Sedan | $1,420 | $118 |
| Mazda 6 S Touring Plus 6 Cyl 4-Dr Sedan | $1,394 | $116 |
| Mazda 6 S Touring Plus 4-Dr Sedan | $1,394 | $116 |
Rates assume 2021 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 |
|---|---|---|---|---|
| 2021 Mazda 6 | $260 | $484 | $442 | $1,344 |
| 2020 Mazda 6 | $250 | $450 | $452 | $1,310 |
| 2019 Mazda 6 | $240 | $424 | $456 | $1,278 |
| 2018 Mazda 6 | $230 | $380 | $460 | $1,228 |
| 2017 Mazda 6 | $214 | $350 | $460 | $1,182 |
| 2016 Mazda 6 | $206 | $328 | $464 | $1,156 |
| 2015 Mazda 6 | $202 | $306 | $474 | $1,140 |
| 2014 Mazda 6 | $186 | $284 | $474 | $1,102 |
| 2013 Mazda 6 | $182 | $258 | $478 | $1,076 |
| 2012 Mazda 6 | $170 | $236 | $474 | $1,038 |
| 2011 Mazda 6 | $160 | $214 | $474 | $1,006 |
| 2010 Mazda 6 | $154 | $192 | $468 | $972 |
| 2009 Mazda 6 | $152 | $188 | $460 | $958 |
| 2008 Mazda 6 | $150 | $178 | $452 | $938 |
| 2006 Mazda 6 | $132 | $162 | $442 | $894 |
Rates are averaged for all Mazda 6 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 Low Cost Mazda 6 Insurance
Finding cheaper rates on auto insurance consists of avoiding accidents and claims, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Spend time shopping around at every other renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.
The points below are a review of the concepts that were touched on above.
- Drivers who have several accidents or serious violations may be required to pay an average of $1,580 more each year to insure a Mazda 6
- Drivers under the age of 20 pay higher rates, as much as $427 each month including comprehensive and collision insurance
- You may be able to save as much as $160 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save around $500 each year
- You may be able to save as much as $160 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,126 |
| 20 | $3,114 |
| 30 | $1,394 |
| 40 | $1,344 |
| 50 | $1,230 |
| 60 | $1,206 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,672 |
| $250 | $1,518 |
| $500 | $1,344 |
| $1,000 | $1,176 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,344 |
| 50/100 | $1,482 |
| 100/300 | $1,593 |
| 250/500 | $1,880 |
| 100 CSL | $1,527 |
| 300 CSL | $1,770 |
| 500 CSL | $1,947 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,300 |
| 20 | $4,966 |
| 30 | $2,976 |
| 40 | $2,920 |
| 50 | $2,790 |
| 60 | $2,764 |
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 | $71 |
| Multi-vehicle | $72 |
| Homeowner | $21 |
| 5-yr Accident Free | $97 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $60 |
| Advance Quote | $66 |
| Online Quote | $95 |
| Total Discounts | $569 |
Discounts are estimated and may not be available from every company or in every state.
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