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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Estimated auto insurance rates for a Mazda 6 are $1,344 annually including full coverage. Comprehensive insurance costs around $260, collision insurance costs $484, and liability is $442. Liability-only insurance costs around $496 a year, and high-risk driver insurance costs $2,920 or more. Teen drivers pay the most at up to $5,126 a year.
Average premium for full coverage: $1,344
Premium estimates for type of coverage:
Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all 6 models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Mazda 6 range from as cheap as $496 for liability-only coverage to the much higher price of $2,920 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than larger metro areas. The example below illustrates how your location can change auto insurance rates.
These rate differences highlight why everyone should compare rates quotes for a specific zip code and their own personal driving habits, instead of 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.
Additional Charts and Tables
The chart below breaks down average Mazda 6 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $775
- Raising to $1,000 deductibles will save about $168 every year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,344
- Choosing pricier low deductibles costs an additional $328 every year
- At-risk drivers with multiple violations and an at-fault accident could pay at least $2,920
- An auto insurance policy with full coverage for a teen driver for full coverage can be $5,126
Insurance prices for a Mazda 6 also have a wide range based on the model of your 6, your driving characteristics, and deductibles and policy limits.
A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $5,100 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying at least $1,600 to $2,200 additional annually, depending on your age. Mazda 6 insurance for high-risk drivers is expensive and can cost as much as 43% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $500 every year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Mazda 6 insurance prices. A middle-age driver might find prices as low as $1,030 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,920 on average in Michigan, New York, and Louisiana.
| 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% |
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 Buy the Best Cheap Mazda 6 Insurance
Finding better rates on car insurance consists of avoiding accidents and claims, having good credit, refrain from filing small claims, and deciding if full coverage is necessary. Invest the time to shop around at every other renewal by obtaining price quotes from direct car insurance companies, and also from your local independent and exclusive agents.
The points below are a quick review of the concepts that were illustrated above.
- Higher risk drivers with a DUI or reckless driving violation may pay on average $1,580 more every year to insure a Mazda 6
- Drivers under the age of 20 are charged the highest prices, with the cost nearing $427 per month if they have full coverage
- You may be able to save up to $160 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $500 each year
- You may be able to save up to $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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