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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Average insurance rates for a Mazda 6 are $1,364 a year with full coverage. Comprehensive costs an estimated $274 a year, collision costs $502, and liability insurance is estimated at $430. Liability-only coverage costs approximately $486 a year, with high-risk coverage costing around $2,956. 16-year-old drivers receive the highest rates at $5,156 a year or more.
Average premium for full coverage: $1,364
Rate estimates broken down by individual coverage type:
Price estimates include $500 deductible amounts, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and 6 trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as low as $486 for just the minimum liability insurance to a high of $2,956 for a policy for a high-risk driver.
Price Range by Location
Living in a larger city has a significant impact on car insurance rates. More rural locations tend to have a lower frequency of collision claims than congested cities.
The diagram below illustrates how your location can change insurance prices.
These examples demonstrate why it is important to get quotes for a targeted area and risk profile, rather than relying on rate 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.
Additional Rate Analysis
The chart below details estimated Mazda 6 insurance rates for other coverage scenarios.
- The best full coverage rate is $788
- Choosing higher $1,000 deductibles can save approximately $1,188 annually
- The average rate for a 40-year-old driver who has $500 deductibles is $1,364
- Buying low $100 deductibles for comp and collision coverage will increase the cost to $1,706
- High-risk insureds with multiple tickets or accidents could pay up to $2,956 or more
- The cost for full coverage for a teen driver can cost as much as $5,156 each year
Car insurance rates for a Mazda 6 can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.
Older drivers with no driving violations and high deductibles could pay as little as $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged at least $5,100 a year. View Rates by Age
Where you live plays a big part in determining prices for Mazda 6 insurance rates. A good driver about age 40 could pay as low as $980 a year in states like Utah, Ohio, and New Hampshire, or at least $1,840 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,234 | -$130 | -9.5% |
| Alaska | $1,046 | -$318 | -23.3% |
| Arizona | $1,132 | -$232 | -17.0% |
| Arkansas | $1,364 | -$0 | 0.0% |
| California | $1,554 | $190 | 13.9% |
| Colorado | $1,304 | -$60 | -4.4% |
| Connecticut | $1,404 | $40 | 2.9% |
| Delaware | $1,544 | $180 | 13.2% |
| Florida | $1,706 | $342 | 25.1% |
| Georgia | $1,260 | -$104 | -7.6% |
| Hawaii | $978 | -$386 | -28.3% |
| Idaho | $922 | -$442 | -32.4% |
| Illinois | $1,016 | -$348 | -25.5% |
| Indiana | $1,026 | -$338 | -24.8% |
| Iowa | $920 | -$444 | -32.6% |
| Kansas | $1,296 | -$68 | -5.0% |
| Kentucky | $1,860 | $496 | 36.4% |
| Louisiana | $2,018 | $654 | 47.9% |
| Maine | $842 | -$522 | -38.3% |
| Maryland | $1,124 | -$240 | -17.6% |
| Massachusetts | $1,092 | -$272 | -19.9% |
| Michigan | $2,370 | $1,006 | 73.8% |
| Minnesota | $1,142 | -$222 | -16.3% |
| Mississippi | $1,632 | $268 | 19.6% |
| Missouri | $1,212 | -$152 | -11.1% |
| Montana | $1,466 | $102 | 7.5% |
| Nebraska | $1,076 | -$288 | -21.1% |
| Nevada | $1,634 | $270 | 19.8% |
| New Hampshire | $984 | -$380 | -27.9% |
| New Jersey | $1,524 | $160 | 11.7% |
| New Mexico | $1,206 | -$158 | -11.6% |
| New York | $1,436 | $72 | 5.3% |
| North Carolina | $786 | -$578 | -42.4% |
| North Dakota | $1,116 | -$248 | -18.2% |
| Ohio | $942 | -$422 | -30.9% |
| Oklahoma | $1,400 | $36 | 2.6% |
| Oregon | $1,250 | -$114 | -8.4% |
| Pennsylvania | $1,302 | -$62 | -4.5% |
| Rhode Island | $1,820 | $456 | 33.4% |
| South Carolina | $1,234 | -$130 | -9.5% |
| South Dakota | $1,152 | -$212 | -15.5% |
| Tennessee | $1,196 | -$168 | -12.3% |
| Texas | $1,644 | $280 | 20.5% |
| Utah | $1,010 | -$354 | -26.0% |
| Vermont | $934 | -$430 | -31.5% |
| Virginia | $816 | -$548 | -40.2% |
| Washington | $1,056 | -$308 | -22.6% |
| West Virginia | $1,250 | -$114 | -8.4% |
| Wisconsin | $946 | -$418 | -30.6% |
| Wyoming | $1,214 | -$150 | -11.0% |
Opting for high physical damage deductibles can save as much as $520 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $387 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the best way to find out which company is cheapest is to get quotes from as many companies as possible. Each auto insurer utilizes a different rate formula, so rate quotes can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda 6 I Sport 4-Dr Sedan | $1,256 | $105 |
| Mazda 6 I SV 4-Dr Sedan | $1,256 | $105 |
| Mazda 6 I Touring 4-Dr Sedan | $1,296 | $108 |
| Mazda 6 I Touring Plus 4-Dr Sedan | $1,336 | $111 |
| Mazda 6 I Touring Plus 4-Dr Sedan | $1,336 | $111 |
| Mazda 6 I Grand Touring 4-Dr Sedan | $1,376 | $115 |
| Mazda 6 S Grand Touring 4-Dr Sedan | $1,444 | $120 |
| Mazda 6 S Grand Touring 6 Cyl 4-Dr Sedan | $1,444 | $120 |
| Mazda 6 S Touring Plus 6 Cyl 4-Dr Sedan | $1,416 | $118 |
| Mazda 6 S Touring Plus 4-Dr Sedan | $1,416 | $118 |
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 | $274 | $502 | $430 | $1,364 |
| 2020 Mazda 6 | $260 | $484 | $442 | $1,344 |
| 2019 Mazda 6 | $250 | $450 | $452 | $1,310 |
| 2018 Mazda 6 | $240 | $424 | $456 | $1,278 |
| 2017 Mazda 6 | $230 | $380 | $460 | $1,228 |
| 2016 Mazda 6 | $214 | $350 | $460 | $1,182 |
| 2015 Mazda 6 | $206 | $328 | $464 | $1,156 |
| 2014 Mazda 6 | $202 | $306 | $474 | $1,140 |
| 2013 Mazda 6 | $186 | $284 | $474 | $1,102 |
| 2012 Mazda 6 | $182 | $258 | $478 | $1,076 |
| 2011 Mazda 6 | $170 | $236 | $474 | $1,038 |
| 2010 Mazda 6 | $160 | $214 | $474 | $1,006 |
| 2009 Mazda 6 | $154 | $192 | $468 | $972 |
| 2008 Mazda 6 | $152 | $188 | $460 | $958 |
| 2006 Mazda 6 | $138 | $170 | $446 | $912 |
| 2005 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 Cheaper Mazda 6 Insurance
Saving money on Mazda 6 insurance takes having a good driving record, having above-average credit, eliminating unnecessary coverage, and not having any coverage lapses. Invest the time to shop around every year by obtaining price quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.
The next list is a condensed summary of the coverage data illustrated above.
- You may be able to save approximately $160 per year simply by quoting early and online
- Increasing deductibles can save around $525 each year
- Drivers age 20 and younger have the highest car insurance rates, with premiums as much as $430 per month if full coverage is included
- High-risk drivers with multiple at-fault accidents may pay on average $1,590 more annually to buy Mazda 6 insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,156 |
| 20 | $3,154 |
| 30 | $1,418 |
| 40 | $1,364 |
| 50 | $1,248 |
| 60 | $1,224 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,706 |
| $250 | $1,548 |
| $500 | $1,364 |
| $1,000 | $1,188 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,364 |
| 50/100 | $1,502 |
| 100/300 | $1,610 |
| 250/500 | $1,889 |
| 100 CSL | $1,545 |
| 300 CSL | $1,782 |
| 500 CSL | $1,954 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,344 |
| 20 | $5,024 |
| 30 | $3,016 |
| 40 | $2,956 |
| 50 | $2,824 |
| 60 | $2,798 |
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 | $72 |
| Multi-vehicle | $72 |
| Homeowner | $21 |
| 5-yr Accident Free | $99 |
| 5-yr Claim Free | $88 |
| Paid in Full/EFT | $61 |
| Advance Quote | $67 |
| Online Quote | $96 |
| Total Discounts | $576 |
Discounts are estimated and may not be available from every company or in every state.
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