Mazda 6 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 10, 2024
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U.S. average auto insurance rates for a Mazda 6 are $1,006 annually for full coverage. Comprehensive insurance costs approximately $160, collision costs $214, and liability is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing $2,164 or more. Teen drivers pay the highest rates at $4,064 a year or more.
Average premium for full coverage: $1,006
Price estimates by individual coverage:
Rates are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different 6 trim levels.
Price Range from Low to High
For the normal driver, Mazda 6 insurance prices go from as cheap as $522 for minimum levels of liability insurance to a much higher rate of $2,164 for a driver that may need high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on car insurance rates. Rural locations have fewer accident claims than larger metro areas.
The price range example below illustrates how geographic area affects auto insurance prices.
The ranges above show why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, 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 Details
The chart below shows estimated Mazda 6 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $610
- Choosing higher $1,000 deductibles can save $86 a year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,006
- Choosing more expensive low deductibles for comp and collision coverage costs an additional $160 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,164 or more
- The price with full coverage for a 16-year-old driver with full coverage can cost $4,064 each year
Auto insurance prices for a Mazda 6 are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.
An older driver with a good driving record and high physical damage deductibles may pay as low as $1,000 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,000 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,200 to $1,700 in extra premium each year, depending on your age. High-risk driver insurance ranges from 42% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $250 annually, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Mazda 6 insurance prices. A good driver about age 40 could pay as low as $660 a year in states like Iowa, Maine, and Idaho, or as much as $1,440 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $910 | -$96 | -9.5% |
| Alaska | $770 | -$236 | -23.5% |
| Arizona | $834 | -$172 | -17.1% |
| Arkansas | $1,006 | -$0 | 0.0% |
| California | $1,146 | $140 | 13.9% |
| Colorado | $960 | -$46 | -4.6% |
| Connecticut | $1,034 | $28 | 2.8% |
| Delaware | $1,138 | $132 | 13.1% |
| Florida | $1,260 | $254 | 25.2% |
| Georgia | $928 | -$78 | -7.8% |
| Hawaii | $722 | -$284 | -28.2% |
| Idaho | $678 | -$328 | -32.6% |
| Illinois | $748 | -$258 | -25.6% |
| Indiana | $756 | -$250 | -24.9% |
| Iowa | $678 | -$328 | -32.6% |
| Kansas | $958 | -$48 | -4.8% |
| Kentucky | $1,372 | $366 | 36.4% |
| Louisiana | $1,486 | $480 | 47.7% |
| Maine | $620 | -$386 | -38.4% |
| Maryland | $828 | -$178 | -17.7% |
| Massachusetts | $804 | -$202 | -20.1% |
| Michigan | $1,748 | $742 | 73.8% |
| Minnesota | $840 | -$166 | -16.5% |
| Mississippi | $1,204 | $198 | 19.7% |
| Missouri | $892 | -$114 | -11.3% |
| Montana | $1,080 | $74 | 7.4% |
| Nebraska | $792 | -$214 | -21.3% |
| Nevada | $1,206 | $200 | 19.9% |
| New Hampshire | $722 | -$284 | -28.2% |
| New Jersey | $1,122 | $116 | 11.5% |
| New Mexico | $892 | -$114 | -11.3% |
| New York | $1,060 | $54 | 5.4% |
| North Carolina | $580 | -$426 | -42.3% |
| North Dakota | $822 | -$184 | -18.3% |
| Ohio | $694 | -$312 | -31.0% |
| Oklahoma | $1,034 | $28 | 2.8% |
| Oregon | $920 | -$86 | -8.5% |
| Pennsylvania | $960 | -$46 | -4.6% |
| Rhode Island | $1,340 | $334 | 33.2% |
| South Carolina | $910 | -$96 | -9.5% |
| South Dakota | $848 | -$158 | -15.7% |
| Tennessee | $882 | -$124 | -12.3% |
| Texas | $1,212 | $206 | 20.5% |
| Utah | $744 | -$262 | -26.0% |
| Vermont | $690 | -$316 | -31.4% |
| Virginia | $602 | -$404 | -40.2% |
| Washington | $780 | -$226 | -22.5% |
| West Virginia | $920 | -$86 | -8.5% |
| Wisconsin | $696 | -$310 | -30.8% |
| Wyoming | $896 | -$110 | -10.9% |
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices from multiple companies. Each auto insurer uses a different rate calculation, and quoted prices may be quite different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda 6 I Sport 4-Dr Sedan | $956 | $80 |
| Mazda 6 I SV 4-Dr Sedan | $956 | $80 |
| Mazda 6 I Touring 4-Dr Sedan | $974 | $81 |
| Mazda 6 I Touring Plus 4-Dr Sedan | $994 | $83 |
| Mazda 6 I Touring Plus 4-Dr Sedan | $994 | $83 |
| Mazda 6 I Grand Touring 4-Dr Sedan | $1,012 | $84 |
| Mazda 6 S Grand Touring 4-Dr Sedan | $1,044 | $87 |
| Mazda 6 S Grand Touring 6 Cyl 4-Dr Sedan | $1,044 | $87 |
| Mazda 6 S Touring Plus 6 Cyl 4-Dr Sedan | $1,032 | $86 |
| Mazda 6 S Touring Plus 4-Dr Sedan | $1,032 | $86 |
Rates assume 2011 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 | $260 | $484 | $442 | $1,344 |
| 2020 Mazda 6 | $250 | $450 | $452 | $1,310 |
| 2019 Mazda 6 | $240 | $424 | $456 | $1,278 |
| 2018 Mazda 6 | $230 | $380 | $460 | $1,228 |
| 2017 Mazda 6 | $214 | $350 | $460 | $1,182 |
| 2016 Mazda 6 | $206 | $328 | $464 | $1,156 |
| 2015 Mazda 6 | $202 | $306 | $474 | $1,140 |
| 2014 Mazda 6 | $186 | $284 | $474 | $1,102 |
| 2013 Mazda 6 | $182 | $258 | $478 | $1,076 |
| 2012 Mazda 6 | $170 | $236 | $474 | $1,038 |
| 2011 Mazda 6 | $160 | $214 | $474 | $1,006 |
| 2010 Mazda 6 | $154 | $192 | $468 | $972 |
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 Buy the Best Cheap Mazda 6 Insurance
Getting lower rates on insurance for a Mazda 6 takes being a low-risk driver, having above-average credit, eliminating unnecessary coverage, and not having any coverage lapses. Invest the time to compare rates once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The items below are a quick review of the data that was presented in the illustrations above.
- Drivers can save around $110 per year simply by shopping early and online
- Insureds who purchase more liability coverage will pay about $520 each year to raise limits from a low limit to higher 250/500 limits
- Teen drivers have the highest car insurance prices, with premiums as much as $339 a month if full coverage is included
- Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,160 more per year to insure their 6
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,064 |
| 20 | $2,300 |
| 30 | $1,022 |
| 40 | $1,006 |
| 50 | $922 |
| 60 | $904 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,166 |
| $250 | $1,094 |
| $500 | $1,006 |
| $1,000 | $920 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,006 |
| 50/100 | $1,127 |
| 100/300 | $1,245 |
| 250/500 | $1,553 |
| 100 CSL | $1,174 |
| 300 CSL | $1,435 |
| 500 CSL | $1,625 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,722 |
| 20 | $3,670 |
| 30 | $2,180 |
| 40 | $2,164 |
| 50 | $2,070 |
| 60 | $2,048 |
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 | $51 |
| Multi-vehicle | $55 |
| Homeowner | $18 |
| 5-yr Accident Free | $61 |
| 5-yr Claim Free | $63 |
| Paid in Full/EFT | $36 |
| Advance Quote | $44 |
| Online Quote | $68 |
| Total Discounts | $396 |
Discounts are estimated and may not be available from every company or in every state.
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