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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Estimated insurance rates for a Mazda 6 are $1,006 a year for full coverage insurance. Comprehensive costs approximately $160 a year, collision insurance costs $214, and liability coverage is $474. A policy with only liability insurance costs around $522 a year, and a high-risk policy costs around $2,164. 16-year-old drivers pay the most at up to $4,064 a year.
Average premium for full coverage: $1,006
Premium estimates by type of coverage:
Prices include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and 6 trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Mazda 6 range from as low as $522 for just the minimum liability insurance to a high of $2,164 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than congested cities. The diagram below illustrates how location helps determine auto insurance prices.
These rate differences illustrate why it is important to compare rates quotes using their specific location and risk profile, 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 Analysis
The chart below illustrates average Mazda 6 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $610
- Raising to $1,000 deductibles will save $920 each year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,006
- Buying low $100 deductibles will increase the cost to $1,166
- Unlucky drivers with multiple tickets or accidents could pay around $2,164
- An auto insurance policy for full coverage for a teenage driver can cost $4,064
Car insurance prices for a Mazda 6 also have a wide range based on your driving characteristics, the model year and trim level, and physical damage deductibles and liability limits.
Older drivers with no driving violations and high deductibles may only pay around $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged in the ballpark of $4,000 a year. View Rates by Age
Where you choose to live also has a big influence on Mazda 6 insurance rates. A middle-age driver might find prices as low as $660 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,360 on average in Florida, New York, 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% |
Opting for high physical damage deductibles can reduce prices by up to $250 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying anywhere from $1,200 to $1,700 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 133% more than the average rate. 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 | $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 Find the Right Mazda 6 Insurance
Finding better rates on auto insurance consists of being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and attention to physical damage deductibles. Invest time comparing rates every other policy renewal by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below is a quick rundown of the ideas that were covered in the charts and tables above.
- Teenage drivers pay the highest auto insurance prices, with premiums being up to $339 per month if full coverage is included
- Drivers with reckless driving or DUI convictions may pay on average $1,160 more per year for auto insurance
- Increasing policy deductibles can save around $250 each year
- It is possible to save around $110 per year just by quoting early and online
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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