Mazda 6 Insurance Rates

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UPDATED: Apr 10, 2024

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Average insurance rates for a Mazda 6 are $1,006 a year for full coverage. Comprehensive costs an estimated $160, collision costs $214, and liability coverage is estimated at $474. A policy with just liability insurance costs approximately $522 a year, with coverage for high-risk drivers costing around $2,164. 16-year-old drivers receive the highest rates at $4,064 a year or more.

Average premium for full coverage: $1,006

Rate estimates broken down by individual coverage type:

Comprehensive $160
Collision $214
Liability $474

These estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for all 6 models.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from the low end price of $522 for minimum levels of liability insurance to the much higher price of $2,164 for a driver required to buy high-risk insurance.

Liability Only $522
Full Coverage $1,006
High Risk $2,164

Price Range by Location

Living in a larger city has a large influence on insurance rates. More rural locations tend to have lower incidents of accident claims than congested cities.

The example below illustrates how location helps determine insurance prices.

Rural Areas $755
Small Cities $1,056
Large Cities $1,358

These examples show why everyone should get quotes for a targeted area, rather than using 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.

Additional Rate Details

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

  • The best full coverage rate is $610
  • Choosing higher $1,000 deductibles can save approximately $86 a year
  • The estimated price for a 40-year-old driver who has $500 deductibles is $1,006
  • Buying pricier low deductibles for comp and collision coverage bumps up the cost to $1,166
  • Drivers with multiple tickets or accidents could pay up to $2,164 or more
  • The cost that insures a teenage driver for full coverage can cost as much as $4,064 each year

View Chart as Image

Mazda 6 insurance cost comparison chart
Column chart showing full coverage Mazda 6 insurance rates range from $610 to $4,064

Insurance rates for a Mazda 6 can also vary considerably based on the model of your 6, how you drive, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you could be paying $1,200 to $1,700 additional per year, depending on your age. Mazda 6 insurance for high-risk drivers ranges around 42% to 133% more than the average rate. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,000 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay at least $4,000 a year. View Rates by Age

Where you live plays a big part in determining prices for Mazda 6 insurance rates. A good driver about age 40 could pay as low as $660 a year in states like Iowa, Maine, and Idaho, or at least $1,440 on average in New York, Louisiana, and Michigan.

Mazda 6 Insurance Rates by State
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%

View Chart as Image

Mazda 6 insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $250 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know which company is cheapest is to regularly compare rates and see how they stack up. Each auto insurer utilizes a different rate formula, and rates can be significantly different.

Insurance Rates by Trim Level and Model Year

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.

Mazda 6 Insurance Rates by Model Year
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 Find Cheap Mazda 6 Insurance

Saving money on auto insurance takes having a decent driving record, having a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Comparison shop at every policy renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a brief summary of the data covered in the charts and tables above.

  • Consumers who want additional liability coverage will pay around $520 each year to raise limits from a minimum limit to the 250/500 level
  • Drivers can save approximately $110 per year simply by quoting online well ahead of the renewal date
  • Increasing deductibles can save approximately $250 each year
  • 16 to 18-year-old drivers are expensive to insure, costing as high as $339 per month if comprehensive and collision insurance is included

Rates by Driver Age

Mazda 6 Insurance 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

Mazda 6 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,166
$250 $1,094
$500 $1,006
$1,000 $920

Full coverage, driver age 40

Rates by Liability Limit

Mazda 6 Insurance Rates with Different Liability Limits
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

Mazda 6 Insurance 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.

SR-22 Surcharge $135

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
Rate after discounts $610

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

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