Mazda 6 Insurance Rates
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UPDATED: Jun 6, 2023
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U.S. average insurance rates for a Mazda 6 are $1,310 a year for full coverage insurance. Comprehensive insurance costs approximately $250, collision insurance costs $450, and liability insurance is $452. A policy with just liability insurance costs around $504 a year, and coverage for high-risk drivers costs $2,838 or more. 16-year-old drivers pay the highest rates at up to $5,016 a year.
Average premium for full coverage: $1,310
Price estimates by individual coverage:
Rates are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for all 6 models.
Price Range from Low to High
For a 40-year-old driver, Mazda 6 insurance prices range from the low end price of $504 for a discount liability-only rate to the much higher price of $2,838 for a policy for a high-risk driver.
Geographic Price Range
Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations have lower incidents of physical damage claims than congested cities. The example below illustrates how your location can change auto insurance prices.
The ranges above illustrate why everyone should compare rates quotes using their specific location, 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.
Rates by State, City, and Model
The chart below illustrates average Mazda 6 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $759
- Raising to $1,000 deductibles will save $160 each year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,310
- Buying pricier low deductibles will cost an additional $308 a year
- Higher-risk drivers with multiple tickets or accidents could pay around $2,838
- The price that insures a teen driver for full coverage can cost $5,016
Insurance prices for a Mazda 6 are also quite variable based on the model of your 6, your age and driving record, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,600 to $2,200 extra each year, depending on your age. Mazda 6 insurance for high-risk drivers is expensive and can cost anywhere from 44% to 136% more than the average rate. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,000 a year. View Rates by Age
The state you live in also has a big influence on Mazda 6 insurance rates. A middle-age driver might find prices as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,770 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,184 | -$126 | -9.6% |
| Alaska | $1,004 | -$306 | -23.4% |
| Arizona | $1,084 | -$226 | -17.3% |
| Arkansas | $1,310 | -$0 | 0.0% |
| California | $1,490 | $180 | 13.7% |
| Colorado | $1,250 | -$60 | -4.6% |
| Connecticut | $1,346 | $36 | 2.7% |
| Delaware | $1,480 | $170 | 13.0% |
| Florida | $1,638 | $328 | 25.0% |
| Georgia | $1,208 | -$102 | -7.8% |
| Hawaii | $938 | -$372 | -28.4% |
| Idaho | $884 | -$426 | -32.5% |
| Illinois | $974 | -$336 | -25.6% |
| Indiana | $984 | -$326 | -24.9% |
| Iowa | $882 | -$428 | -32.7% |
| Kansas | $1,242 | -$68 | -5.2% |
| Kentucky | $1,786 | $476 | 36.3% |
| Louisiana | $1,938 | $628 | 47.9% |
| Maine | $808 | -$502 | -38.3% |
| Maryland | $1,078 | -$232 | -17.7% |
| Massachusetts | $1,048 | -$262 | -20.0% |
| Michigan | $2,272 | $962 | 73.4% |
| Minnesota | $1,094 | -$216 | -16.5% |
| Mississippi | $1,566 | $256 | 19.5% |
| Missouri | $1,160 | -$150 | -11.5% |
| Montana | $1,404 | $94 | 7.2% |
| Nebraska | $1,032 | -$278 | -21.2% |
| Nevada | $1,568 | $258 | 19.7% |
| New Hampshire | $944 | -$366 | -27.9% |
| New Jersey | $1,462 | $152 | 11.6% |
| New Mexico | $1,158 | -$152 | -11.6% |
| New York | $1,378 | $68 | 5.2% |
| North Carolina | $754 | -$556 | -42.4% |
| North Dakota | $1,072 | -$238 | -18.2% |
| Ohio | $904 | -$406 | -31.0% |
| Oklahoma | $1,344 | $34 | 2.6% |
| Oregon | $1,198 | -$112 | -8.5% |
| Pennsylvania | $1,248 | -$62 | -4.7% |
| Rhode Island | $1,746 | $436 | 33.3% |
| South Carolina | $1,186 | -$124 | -9.5% |
| South Dakota | $1,104 | -$206 | -15.7% |
| Tennessee | $1,146 | -$164 | -12.5% |
| Texas | $1,578 | $268 | 20.5% |
| Utah | $968 | -$342 | -26.1% |
| Vermont | $896 | -$414 | -31.6% |
| Virginia | $784 | -$526 | -40.2% |
| Washington | $1,010 | -$300 | -22.9% |
| West Virginia | $1,198 | -$112 | -8.5% |
| Wisconsin | $906 | -$404 | -30.8% |
| Wyoming | $1,166 | -$144 | -11.0% |
Opting for high physical damage deductibles can reduce prices by up to $470 each year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda 6 I Sport 4-Dr Sedan | $1,212 | $101 |
| Mazda 6 I SV 4-Dr Sedan | $1,212 | $101 |
| Mazda 6 I Touring 4-Dr Sedan | $1,248 | $104 |
| Mazda 6 I Touring Plus 4-Dr Sedan | $1,284 | $107 |
| Mazda 6 I Touring Plus 4-Dr Sedan | $1,284 | $107 |
| Mazda 6 I Grand Touring 4-Dr Sedan | $1,320 | $110 |
| Mazda 6 S Grand Touring 4-Dr Sedan | $1,380 | $115 |
| Mazda 6 S Grand Touring 6 Cyl 4-Dr Sedan | $1,380 | $115 |
| Mazda 6 S Touring Plus 6 Cyl 4-Dr Sedan | $1,354 | $113 |
| Mazda 6 S Touring Plus 4-Dr Sedan | $1,354 | $113 |
Rates assume 2018 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 |
|---|---|---|---|---|
| 2018 Mazda 6 | $250 | $450 | $452 | $1,310 |
| 2016 Mazda 6 | $230 | $380 | $460 | $1,228 |
| 2015 Mazda 6 | $214 | $350 | $460 | $1,182 |
| 2009 Mazda 6 | $160 | $214 | $474 | $1,006 |
| 2008 Mazda 6 | $154 | $192 | $468 | $972 |
| 2006 Mazda 6 | $150 | $178 | $452 | $938 |
| 2005 Mazda 6 | $138 | $170 | $446 | $912 |
| 2004 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 Best Cheap Mazda 6 Insurance
Getting lower rates on Mazda 6 insurance consists of avoiding accidents and violations, having above-average credit, not filing small claims, and possibly raising deductibles. Comparison shop every year by requesting quotes from direct insurance companies, and also from your local car insurance providers.
The list below is a quick review of the coverage data illustrated above.
- It is possible to save around $160 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save approximately $475 each year
- Teenagers are expensive to insure, as much as $418 a month if full coverage is included
- High-risk drivers with a DUI or reckless driving violation could be charged and average of $1,530 more per year for car insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,016 |
| 20 | $3,026 |
| 30 | $1,354 |
| 40 | $1,310 |
| 50 | $1,198 |
| 60 | $1,174 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,618 |
| $250 | $1,474 |
| $500 | $1,310 |
| $1,000 | $1,150 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,310 |
| 50/100 | $1,444 |
| 100/300 | $1,557 |
| 250/500 | $1,851 |
| 100 CSL | $1,490 |
| 300 CSL | $1,738 |
| 500 CSL | $1,919 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,136 |
| 20 | $4,822 |
| 30 | $2,888 |
| 40 | $2,838 |
| 50 | $2,712 |
| 60 | $2,688 |
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 | $69 |
| Multi-vehicle | $70 |
| Homeowner | $21 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $57 |
| Advance Quote | $64 |
| Online Quote | $92 |
| Total Discounts | $551 |
Discounts are estimated and may not be available from every company or in every state.
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