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: Jun 6, 2023

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Estimated insurance rates for a Mazda 6 are $1,344 a year including full coverage. Comprehensive insurance costs an estimated $260 a year, collision insurance costs $484, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, and high-risk coverage costs $2,920 or more. Teenage drivers pay the most at up to $5,126 a year.

Average premium for full coverage: $1,344

Premium estimates broken down by type of coverage:

Comprehensive $260
Collision $484
Liability $442

Includes $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and 6 trim levels.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Mazda 6 range from the low end price of $496 for a discount liability-only rate to a high of $2,920 for a driver required to buy high-risk insurance.

Liability Only $496
Full Coverage $1,344
High Risk $2,920

Insurance Price Range by Location

Living in a larger city can have significant affects on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates how geographic area affects insurance prices.

Rural Areas $1,008
Small Cities $1,411
Large Cities $1,814

These rate differences highlight why it is important to get quotes for a targeted area, instead of using average rates.

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 breaks down average Mazda 6 insurance rates for other coverage scenarios.

  • The best discount rate is $775
  • Choosing higher $1,000 deductibles can save approximately $1,176 every year
  • The estimated price for a 40-year-old good driver who has $500 deductibles is $1,344
  • Using low $100 deductibles for comp and collision coverage will cost an additional $328 every year
  • Unlucky drivers who are prone to accidents and violations could pay up to $2,920
  • An auto insurance policy that insures a teen driver can cost as much as $5,126 each year

View Chart as Image

Mazda 6 insurance cost comparison chart
Column chart showing Mazda 6 insurance prices range from $775 to $5,126 for full coverage

Insurance prices for a Mazda 6 also have a wide range based on the trim level of your 6, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 133% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay at least $5,100 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Mazda 6 insurance prices. A good driver about age 40 could pay as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,920 on average in Louisiana, New York, and Michigan.

Mazda 6 Insurance Rates by State
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%

View Chart as Image

Mazda 6 insurance rates by U.S. city

Using high physical damage deductibles can save as much as $500 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

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 $1,242 $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 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.

Mazda 6 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Mazda 6 $260 $484 $442 $1,344
2016 Mazda 6 $240 $424 $456 $1,278
2015 Mazda 6 $230 $380 $460 $1,228
2009 Mazda 6 $170 $236 $474 $1,038
2008 Mazda 6 $160 $214 $474 $1,006
2006 Mazda 6 $152 $188 $460 $958
2005 Mazda 6 $150 $178 $452 $938
2004 Mazda 6 $138 $170 $446 $912
2003 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 Cheapest Mazda 6 Insurance

Finding better rates on car insurance takes avoiding accidents and claims, having above-average credit, refrain from filing small claims, and deciding if full coverage is necessary. Compare prices at every policy renewal by quoting rates from direct car insurance companies, and also from your local car insurance providers.

The points below are a recap of the data presented in the illustrations above.

  • Policyholders who want increased liability limits will pay an extra $490 per year to raise limits from 30/60 bodily injury limits to the 250/500 level
  • You may be able to save approximately $160 per year just by quoting early and online
  • Increasing policy deductibles can save approximately $500 each year
  • Drivers under the age of 20 are charged the highest prices, with the cost nearing $427 per month if full coverage is included

Rates by Driver Age

Mazda 6 Insurance 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

Mazda 6 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,672
$250 $1,518
$500 $1,344
$1,000 $1,176

Full coverage, driver age 40

Rates by Liability Limit

Mazda 6 Insurance Rates with Different Liability Limits
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

Mazda 6 Insurance 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.

SR-22 Surcharge $189

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
Rate after discounts $775

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

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