Mazda 6 Insurance Rates
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UPDATED: May 8, 2024
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Average insurance rates for a Mazda 6 are $1,382 a year for full coverage. Comprehensive insurance costs an estimated $284, collision insurance costs $524, and liability costs around $416. Buying just liability costs as low as $474 a year, and insurance for high-risk drivers costs $2,996 or more. Teen drivers receive the highest rates at up to $5,192 a year.
Average premium for full coverage: $1,382
Rate estimates broken down by individual coverage type:
Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for different 6 trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as low as $474 for just the minimum liability insurance to a much higher rate of $2,996 for a high-risk insurance policy.
Price Range by Location
Where you live can make a big difference on insurance rates. More rural locations tend to have a lower frequency of accident claims than larger metro areas. The price range example below illustrates the difference location can make on insurance prices.
These examples show why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of making a decision based on 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 Rate Analysis
The chart below shows average Mazda 6 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $795
- Using higher $1,000 deductibles will save approximately $184 a year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,382
- Choosing more expensive low deductibles for physical damage coverage will cost an extra $356 annually
- High-risk insureds with multiple violations and an at-fault accident could pay up to $2,996
- The cost for full coverage for a 16-year-old driver with full coverage can cost as much as $5,192 or more
Auto insurance rates for a Mazda 6 can also vary considerably based on your driver profile, the trim level of your 6, and liability limits and deductibles.
An older driver with a good driving record and high deductibles may pay as low as $1,300 a year for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay at least $5,100 a year. View Rates by Age
Where you live has a huge impact on Mazda 6 insurance prices. A driver around age 40 might see rates as low as $910 a year in states like Iowa, Maine, and Idaho, or as much as $1,970 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,250 | -$132 | -9.6% |
| Alaska | $1,062 | -$320 | -23.2% |
| Arizona | $1,148 | -$234 | -16.9% |
| Arkansas | $1,382 | -$0 | 0.0% |
| California | $1,574 | $192 | 13.9% |
| Colorado | $1,322 | -$60 | -4.3% |
| Connecticut | $1,422 | $40 | 2.9% |
| Delaware | $1,564 | $182 | 13.2% |
| Florida | $1,730 | $348 | 25.2% |
| Georgia | $1,276 | -$106 | -7.7% |
| Hawaii | $992 | -$390 | -28.2% |
| Idaho | $934 | -$448 | -32.4% |
| Illinois | $1,030 | -$352 | -25.5% |
| Indiana | $1,040 | -$342 | -24.7% |
| Iowa | $934 | -$448 | -32.4% |
| Kansas | $1,316 | -$66 | -4.8% |
| Kentucky | $1,886 | $504 | 36.5% |
| Louisiana | $2,046 | $664 | 48.0% |
| Maine | $852 | -$530 | -38.4% |
| Maryland | $1,140 | -$242 | -17.5% |
| Massachusetts | $1,106 | -$276 | -20.0% |
| Michigan | $2,402 | $1,020 | 73.8% |
| Minnesota | $1,156 | -$226 | -16.4% |
| Mississippi | $1,656 | $274 | 19.8% |
| Missouri | $1,226 | -$156 | -11.3% |
| Montana | $1,486 | $104 | 7.5% |
| Nebraska | $1,090 | -$292 | -21.1% |
| Nevada | $1,656 | $274 | 19.8% |
| New Hampshire | $996 | -$386 | -27.9% |
| New Jersey | $1,544 | $162 | 11.7% |
| New Mexico | $1,224 | -$158 | -11.4% |
| New York | $1,458 | $76 | 5.5% |
| North Carolina | $798 | -$584 | -42.3% |
| North Dakota | $1,130 | -$252 | -18.2% |
| Ohio | $956 | -$426 | -30.8% |
| Oklahoma | $1,420 | $38 | 2.7% |
| Oregon | $1,266 | -$116 | -8.4% |
| Pennsylvania | $1,318 | -$64 | -4.6% |
| Rhode Island | $1,842 | $460 | 33.3% |
| South Carolina | $1,252 | -$130 | -9.4% |
| South Dakota | $1,168 | -$214 | -15.5% |
| Tennessee | $1,210 | -$172 | -12.4% |
| Texas | $1,666 | $284 | 20.5% |
| Utah | $1,024 | -$358 | -25.9% |
| Vermont | $946 | -$436 | -31.5% |
| Virginia | $828 | -$554 | -40.1% |
| Washington | $1,070 | -$312 | -22.6% |
| West Virginia | $1,266 | -$116 | -8.4% |
| Wisconsin | $956 | -$426 | -30.8% |
| Wyoming | $1,232 | -$150 | -10.9% |
Choosing high deductibles could cut rates by as much as $540 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $375 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying $1,600 to $2,300 in extra premium per year, depending on your age. High-risk driver insurance can be from 44% to 129% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda 6 I Sport 4-Dr Sedan | $1,270 | $106 |
| Mazda 6 I SV 4-Dr Sedan | $1,270 | $106 |
| Mazda 6 I Touring 4-Dr Sedan | $1,312 | $109 |
| Mazda 6 I Touring Plus 4-Dr Sedan | $1,352 | $113 |
| Mazda 6 I Touring Plus 4-Dr Sedan | $1,352 | $113 |
| Mazda 6 I Grand Touring 4-Dr Sedan | $1,394 | $116 |
| Mazda 6 S Grand Touring 4-Dr Sedan | $1,464 | $122 |
| Mazda 6 S Grand Touring 6 Cyl 4-Dr Sedan | $1,464 | $122 |
| Mazda 6 S Touring Plus 6 Cyl 4-Dr Sedan | $1,434 | $120 |
| Mazda 6 S Touring Plus 4-Dr Sedan | $1,434 | $120 |
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 | $284 | $524 | $416 | $1,382 |
| 2020 Mazda 6 | $274 | $502 | $430 | $1,364 |
| 2019 Mazda 6 | $260 | $484 | $442 | $1,344 |
| 2018 Mazda 6 | $250 | $450 | $452 | $1,310 |
| 2017 Mazda 6 | $240 | $424 | $456 | $1,278 |
| 2016 Mazda 6 | $230 | $380 | $460 | $1,228 |
| 2015 Mazda 6 | $214 | $350 | $460 | $1,182 |
| 2014 Mazda 6 | $206 | $328 | $464 | $1,156 |
| 2013 Mazda 6 | $202 | $306 | $474 | $1,140 |
| 2012 Mazda 6 | $186 | $284 | $474 | $1,102 |
| 2011 Mazda 6 | $182 | $258 | $478 | $1,076 |
| 2010 Mazda 6 | $170 | $236 | $474 | $1,038 |
| 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 Affordable Mazda 6 Insurance
Saving money on insurance for a Mazda 6 requires avoiding accidents and violations, having good credit, eliminating unneeded coverage, and consideration of higher deductibles. Make time to compare rates at least every other year by requesting quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.
The list below is a brief review of the car insurance concepts touched on in this article.
- Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,610 more annually for car insurance
- Drivers can save approximately $170 per year just by shopping early and online
- Increasing deductibles can save around $550 each year
- Insureds who want higher liability limits will pay about $460 each year to increase from a minimum limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,192 |
| 20 | $3,198 |
| 30 | $1,440 |
| 40 | $1,382 |
| 50 | $1,264 |
| 60 | $1,240 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,738 |
| $250 | $1,574 |
| $500 | $1,382 |
| $1,000 | $1,198 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,382 |
| 50/100 | $1,517 |
| 100/300 | $1,621 |
| 250/500 | $1,892 |
| 100 CSL | $1,559 |
| 300 CSL | $1,788 |
| 500 CSL | $1,954 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,402 |
| 20 | $5,090 |
| 30 | $3,060 |
| 40 | $2,996 |
| 50 | $2,860 |
| 60 | $2,834 |
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 | $73 |
| Multi-vehicle | $73 |
| Homeowner | $21 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $63 |
| Advance Quote | $68 |
| Online Quote | $98 |
| Total Discounts | $587 |
Discounts are estimated and may not be available from every company or in every state.
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