Mazda 6 Insurance Rates

Average insurance rates for a Mazda 6 are $1,344 a year with full coverage. Comprehensive costs approximately $260 a year, collision costs $484, and liability costs $442. A policy with just liability insurance costs as little as $496 a year, with coverage for high-risk drivers costing around $2,920. 16-year-old drivers receive the highest rates at $5,126 a year or more.

Average premium for full coverage: $1,344

Rate estimates by individual coverage type:

Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and 6 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of insurance. Rural locations tend to have a lower frequency of collision claims than congested cities.

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

These examples demonstrate why it is important to compare rates using their specific location and risk profile, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below details estimated Mazda 6 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $775
• Drivers who choose higher $1,000 deductibles will pay $1,176 annually
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,344
• Buying low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,672
• Drivers with multiple tickets or accidents could pay around $2,920 or more
• The cost for full coverage for a 16-year-old driver can cost $5,126 a year

View Chart as Image

Insurance rates for a Mazda 6 can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles may pay as low as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age

Where you live makes a big difference in Mazda 6 insurance prices. A 40-year-old driver could pay as low as $970 a year in states like Utah, Ohio, and New Hampshire, or at least $1,820 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could save up to $500 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,600 to $2,200 additional per year, depending on your age. A high-risk auto insurance policy can cost from 43% to 133% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes from multiple companies. Every company utilizes a different rate formula, and rates can be significantly different 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 the Cheapest Mazda 6 Insurance

Saving money on insurance for a Mazda 6 not only requires avoiding accidents and violations, but also having a good credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Set aside time to compare rates at least once a year by getting quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

The list below is a recap of the primary concepts that were covered above.

• You may be able to save around $160 per year simply by quoting early and online
• Drivers considered higher risk that have major violations or accidents pay on average $1,580 more per year for car insurance
• Increasing deductibles can save around $500 each year
• Teenagers are the costliest to insure, with premiums as much as $427 per month including comprehensive and collision insurance