Mazda 6 Insurance Rates

The average insurance rates for a Mazda 6 are $1,344 a year for full coverage. Comprehensive costs around $260 a year, collision costs $484, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing around $2,920. Teens cost the most to insure at $5,126 a year or more.

Average premium for full coverage: $1,344

Policy rates for type of insurance:

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and 6 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above show why it is important to compare rates 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.

Rate Comparisons

The chart below shows estimated Mazda 6 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $775
• Drivers who choose higher $1,000 deductibles will pay about $1,176 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,344
• Selecting low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,672
• High risk drivers with serious driving violations could pay at least $2,920 or more
• Policy cost for full coverage for a teen driver can be $5,126 a year

View Chart as Image

Car insurance rates for a Mazda 6 also range considerably based on your risk profile, the trim level of your 6, and deductibles and policy limits.

Older drivers with no driving violations and high deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $5,100 a year. View Rates by Age

Your home state makes a big difference in Mazda 6 insurance rates. A 40-year-old driver could pay as low as $890 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,920 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $500 each year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 133% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know your exact price is to get quotes from as many companies as possible. Every company calculates rates differently, so rate quotes will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find More Affordable Mazda 6 Insurance

Finding cheaper rates on Mazda 6 insurance not only requires being safe and accident-free, but also having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to compare rates every time your policy renews by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

Below you'll find a summary of the information covered above.

• Drivers can save up to $160 per year simply by quoting early and online
• Youthful drivers are the costliest to insure, costing up to $427 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save around $500 each year
• High-risk drivers who have multiple accidents or major violations may be required to pay an average of $1,580 more every year than a low-risk driver
• Drivers who may need more liability protection will pay approximately $490 each year to go from a 30/60 limit to 250/500 limits