Mazda 6 Insurance Rates

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

Average premium for full coverage: $1,344

Policy rates by type of insurance:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and 6 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than larger metro areas.

The diagram below illustrates the effect of geographic area on car insurance rates.

The examples above demonstrate why it is important to compare prices based on a specific location, instead of making a decision based on price averages.

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

Rates by State, City, and Model

The chart below details estimated Mazda 6 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $775
• Using higher $1,000 deductibles will save around $1,176 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,344
• Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,672
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,920 or more
• Policy cost that insures a 16-year-old driver may cost $5,126 or more

View Chart as Image

Insurance rates for a Mazda 6 also range considerably based on the trim level of your 6, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,600 to $2,200 additional every year, depending on your age. A high-risk auto insurance policy can be from 43% to 133% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,100 a year. View Rates by Age

Your home state has a huge impact on Mazda 6 insurance prices. A driver around age 40 might see rates as low as $970 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,820 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles could cut rates by as much as $500 annually, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes from multiple companies. Each insurance company uses a different rate calculation, and rates will be varied.

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 insurance for a Mazda 6 requires being safe and accident-free, having a good credit score, not filing small claims, and insuring your home and auto with the same company. Shop around once a year by getting rate quotes from direct companies, and also from several local insurance agents.

Below you'll find a summary of the data that was covered in the above illustrations.

• You may be able to save as much as $160 per year simply by quoting early and online
• Insureds who require more liability protection will pay about $490 every year to increase from a 30/60 limit to the 250/500 level
• Youthful drivers pay higher rates, as much as $427 each month if comprehensive and collision insurance is included
• Drivers considered higher risk who have multiple accidents or major violations pay on average $1,580 more each year than a low-risk driver