Mazda 6 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 8, 2024

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U.S. average insurance rates for a Mazda 6 are $1,364 a year with full coverage. Comprehensive costs an estimated $274, collision costs $502, and liability insurance is estimated at $430. A policy with just liability insurance costs approximately $486 a year, with coverage for high-risk drivers costing around $2,956. Teens pay the highest rates at $5,156 a year or more.

Average premium for full coverage: $1,364

Price estimates broken down by individual coverage:

Comprehensive $274
Collision $502
Liability $430

Prices are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all 6 models.

Price Range from Low to High

For a 40-year-old driver, Mazda 6 insurance prices go from the low end price of $486 for basic liability insurance to the much higher price of $2,956 for a driver that may need high-risk insurance.

Liability Only $486
Full Coverage $1,364
High Risk $2,956

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. More rural locations have lower incidents of collision claims than cities with more traffic congestion.

The example below illustrates how your location can change insurance prices.

Rural Areas $1,023
Small Cities $1,432
Large Cities $1,841

The ranges above demonstrate why everyone should get quotes for a targeted area, rather than relying on averaged prices.

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.

Rate Comparisons

The chart below details estimated Mazda 6 insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $788
  • Choosing higher $1,000 deductibles can save approximately $176 annually
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,364
  • Selecting pricier low deductibles for comp and collision coverage bumps up the cost to $1,706
  • High-risk insureds with serious driving violations could pay up to $2,956 or more
  • The price that insures a teen driver for full coverage can cost as much as $5,156 each year

View Chart as Image

Mazda 6 insurance cost comparison chart
Column chart showing full coverage Mazda 6 insurance rates range from $788 to $5,156

Insurance prices for a Mazda 6 are also quite variable based on the model of your 6, your age and driving habits, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you may be forking out $1,600 to $2,200 extra each year, depending on your age. Mazda 6 insurance for high-risk drivers ranges anywhere from 43% to 131% more than the average policy. 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 $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay at least $5,100 a year. View Rates by Age

The state you live in 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 have to pay at least $1,840 on average in New York, Michigan, and Florida.

Mazda 6 Insurance Rates by State
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%

View Chart as Image

Mazda 6 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $520 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $387 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out which car insurance is cheapest is to regularly compare prices from as many companies as possible. Each auto insurer calculates prices differently, so the prices may be quite different.

Insurance Rates by Trim Level and Model Year

Mazda 6 Insurance Rates by Model and Trim Level
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.

Mazda 6 Insurance Rates by Model Year
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 Affordable Mazda 6 Insurance

Getting lower rates on Mazda 6 insurance takes being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Compare rates once a year by obtaining price quotes from direct companies, and also from insurance agencies where you live.

The items below are a brief review of the data that was illustrated above.

  • You may be able to save approximately $160 per year simply by quoting online well ahead of the renewal date
  • Drivers who want more liability coverage will pay approximately $470 every year to raise limits from a low limit to the 250/500 level
  • Teen drivers are charged the highest prices, costing up to $430 a month if full coverage is included
  • High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,590 more annually to insure their 6

Rates by Driver Age

Mazda 6 Insurance 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

Mazda 6 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,706
$250 $1,548
$500 $1,364
$1,000 $1,188

Full coverage, driver age 40

Rates by Liability Limit

Mazda 6 Insurance Rates with Different Liability Limits
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

Mazda 6 Insurance 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.

SR-22 Surcharge $191

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
Rate after discounts $788

Discounts are estimated and may not be available from every company or in every state.

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