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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U.S. average insurance rates for a Mazda 6 are $1,344 a year for full coverage. Comprehensive insurance costs on average $260 a year, collision insurance costs $484, and liability coverage costs $442. A policy with just liability insurance costs as little as $496 a year, and coverage for high-risk drivers costs $2,920 or more. Teens pay the highest rates at up to $5,126 a year.
Average premium for full coverage: $1,344
Price estimates by individual coverage:
Prices include $500 deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and 6 trim levels.
Price Range from Low to High
For the normal driver, Mazda 6 insurance prices range from as low as $496 for just the minimum liability insurance to a high of $2,920 for coverage for higher-risk drivers.
Geographic Price Range
Your location has a large influence on car insurance rates. Rural areas have a lower frequency of accident claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects car insurance rates.
The ranges above show why it is important to compare rates based on a specific location 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 shows average Mazda 6 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $775
- Drivers who choose higher $1,000 deductibles will pay around $1,176 a year
- The average rate for the average middle-age driver with $500 deductibles is $1,344
- Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $328 each year
- High-risk insureds with serious driving violations could pay upwards of $2,920
- The price for full coverage for a teenage driver may cost $5,126 a year
Insurance prices for a Mazda 6 are also quite variable based on your driving record, the trim level of your 6, and policy deductibles and limits.
Older drivers with a clean driving record and high deductibles may only pay around $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay upwards of $5,100 a year. View Rates by Age
The state you live in 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.
| 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 higher comprehensive and collision insurance deductibles could save up to $500 a year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy can cost around 43% to 133% 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 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 the Right Mazda 6 Insurance
Getting lower rates on auto insurance not only requires not taking risks behind the wheel, but also maintaining good credit, eliminating unnecessary coverage, and determing if full coverage is necessary. Invest the time to compare rates at least once a year by getting price quotes from direct carriers like Progressive and GEICO, and also from your local insurance agents.
The following is a quick rundown of the primary concepts that were presented in the illustrations above.
- Drivers can save as much as $160 per year just by quoting early and online
- Drivers with reckless driving or DUI convictions will pay on average $1,580 more each year for 6 insurance
- Increasing physical damage deductibles can save around $500 each year
- Teens pay the highest prices, with premiums as much as $427 a month for full coverage
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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