Mazda 6 Insurance Rates

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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 insurance. Comprehensive costs around $160 a year, collision costs $214, and liability coverage is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing around $2,164. 16-year-old drivers pay the highest rates at $4,064 a year or more.

Average premium for full coverage: $1,006

Price estimates for individual coverage:

Comprehensive $160
Collision $214
Liability $474

Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and 6 trim levels.

Price Range from Low to High

For the average 40-year-old driver, Mazda 6 insurance prices go from as cheap as $522 for just the minimum liability insurance to a high of $2,164 for a high-risk insurance policy.

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

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Areas with sparse population have fewer physical damage claims than congested cities.

The diagram below illustrates the difference location can make on auto insurance rates.

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

The ranges above illustrate why it is important to get quotes for a specific zip code and their own personal driving habits, 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 estimated Mazda 6 insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $610
  • Choosing higher $1,000 deductibles can save about $920 each year
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,006
  • Buying low $100 deductibles for comp and collision coverage will cost $1,166
  • Drivers with multiple tickets or accidents could pay at least $2,164 or more
  • The price with full coverage for a teenage driver can be $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

Auto insurance prices for a Mazda 6 are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.

Older drivers with a good driving record and high physical damage deductibles may only pay around $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 as much as $4,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at least $1,200 to $1,700 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges around 42% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $250 a year, while buying higher liability limits will increase prices. Switching 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 rates. A good driver about age 40 could pay as low as $660 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,360 on average in Michigan, New York, and Florida.

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

Since prices can be so different, the only way to figure out your exact price is to get quotes and see how they stack up. Each auto insurer utilizes a different rate formula, and quoted prices may be quite different between companies.

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 Buy Affordable Mazda 6 Insurance

Getting lower rates on auto insurance takes having a good driving record, having above-average credit, not filing small claims, and maximizing policy discounts. Make time to compare rates at least every other year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The next list is a brief review of the car insurance concepts touched on in this article.

  • Drivers with DUI or reckless driving convictions pay on average $1,160 more every year to buy Mazda 6 insurance
  • It is possible to save up to $110 per year simply by quoting early and online
  • Increasing physical damage deductibles could save up to $250 each year
  • Consumers who may need increased levels of liability coverage will pay around $520 annually to raise limits from a low limit to higher 250/500 limits

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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