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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Average insurance rates for a Mazda 6 are $1,310 a year including full coverage. Comprehensive insurance costs an estimated $250 a year, collision insurance costs $450, and liability coverage is estimated at $452. Buying just liability costs approximately $504 a year, and insurance for high-risk drivers costs $2,838 or more. Teens receive the highest rates at up to $5,016 a year.

Average premium for full coverage: $1,310

Rate estimates broken down by individual coverage type:

Comprehensive $250
Collision $450
Liability $452

Includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and 6 trim levels.

Price Range by Coverage and Risk

For a driver around age 40, prices range range from the low end price of $504 for the bare minimum liability coverage to a high of $2,838 for a driver who requires high-risk insurance.

Liability Only $504
Full Coverage $1,310
High Risk $2,838

Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $983
Small Cities $1,376
Large Cities $1,769

These examples highlight why it is important to get quotes for a targeted area, rather than using averaged prices.

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 Information

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

  • The cheapest rate after discounts is $759
  • Choosing higher $1,000 deductibles can save approximately $1,150 every year
  • The estimated price for a 40-year-old driver who has $500 deductibles is $1,310
  • Selecting low $100 deductibles for comp and collision coverage will cost an additional $308 each year
  • Drivers with serious driving violations could pay up to $2,838
  • The cost that insures a teenage driver can cost as much as $5,016 each year

View Chart as Image

Mazda 6 insurance cost comparison chart
Column chart showing Mazda 6 insurance prices range from $759 to $5,016 for full coverage

Auto insurance rates for a Mazda 6 can also vary considerably based on the trim level of your 6, your driving record and age, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are likely paying $1,600 to $2,200 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges around 44% to 136% more than the average policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay at least $5,000 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 $1,000 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,870 on average in Louisiana, New York, and Michigan.

Mazda 6 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,184 -$126 -9.6%
Alaska $1,004 -$306 -23.4%
Arizona $1,084 -$226 -17.3%
Arkansas $1,310 -$0 0.0%
California $1,490 $180 13.7%
Colorado $1,250 -$60 -4.6%
Connecticut $1,346 $36 2.7%
Delaware $1,480 $170 13.0%
Florida $1,638 $328 25.0%
Georgia $1,208 -$102 -7.8%
Hawaii $938 -$372 -28.4%
Idaho $884 -$426 -32.5%
Illinois $974 -$336 -25.6%
Indiana $984 -$326 -24.9%
Iowa $882 -$428 -32.7%
Kansas $1,242 -$68 -5.2%
Kentucky $1,786 $476 36.3%
Louisiana $1,938 $628 47.9%
Maine $808 -$502 -38.3%
Maryland $1,078 -$232 -17.7%
Massachusetts $1,048 -$262 -20.0%
Michigan $2,272 $962 73.4%
Minnesota $1,094 -$216 -16.5%
Mississippi $1,566 $256 19.5%
Missouri $1,160 -$150 -11.5%
Montana $1,404 $94 7.2%
Nebraska $1,032 -$278 -21.2%
Nevada $1,568 $258 19.7%
New Hampshire $944 -$366 -27.9%
New Jersey $1,462 $152 11.6%
New Mexico $1,158 -$152 -11.6%
New York $1,378 $68 5.2%
North Carolina $754 -$556 -42.4%
North Dakota $1,072 -$238 -18.2%
Ohio $904 -$406 -31.0%
Oklahoma $1,344 $34 2.6%
Oregon $1,198 -$112 -8.5%
Pennsylvania $1,248 -$62 -4.7%
Rhode Island $1,746 $436 33.3%
South Carolina $1,186 -$124 -9.5%
South Dakota $1,104 -$206 -15.7%
Tennessee $1,146 -$164 -12.5%
Texas $1,578 $268 20.5%
Utah $968 -$342 -26.1%
Vermont $896 -$414 -31.6%
Virginia $784 -$526 -40.2%
Washington $1,010 -$300 -22.9%
West Virginia $1,198 -$112 -8.5%
Wisconsin $906 -$404 -30.8%
Wyoming $1,166 -$144 -11.0%

View Chart as Image

Mazda 6 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $470 a 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 as much as $407 extra every 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 $1,212 $101
Mazda 6 I SV 4-Dr Sedan $1,212 $101
Mazda 6 I Touring 4-Dr Sedan $1,248 $104
Mazda 6 I Touring Plus 4-Dr Sedan $1,284 $107
Mazda 6 I Touring Plus 4-Dr Sedan $1,284 $107
Mazda 6 I Grand Touring 4-Dr Sedan $1,320 $110
Mazda 6 S Grand Touring 4-Dr Sedan $1,380 $115
Mazda 6 S Grand Touring 6 Cyl 4-Dr Sedan $1,380 $115
Mazda 6 S Touring Plus 6 Cyl 4-Dr Sedan $1,354 $113
Mazda 6 S Touring Plus 4-Dr Sedan $1,354 $113

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 $250 $450 $452 $1,310
2016 Mazda 6 $230 $380 $460 $1,228
2015 Mazda 6 $214 $350 $460 $1,182
2009 Mazda 6 $160 $214 $474 $1,006
2008 Mazda 6 $154 $192 $468 $972
2006 Mazda 6 $150 $178 $452 $938
2005 Mazda 6 $138 $170 $446 $912
2004 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

Saving money on auto insurance takes being a low-risk driver, maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Compare rates at every other renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The items below are a recap of the concepts that were covered above.

  • Drivers that have major violations or accidents could be charged and average of $1,530 more annually to insure their 6
  • Teen drivers are the costliest to insure, as much as $418 per month if the policy includes full coverage
  • You may be able to save approximately $160 per year just by quoting early and online
  • Increasing deductibles can save approximately $475 each year
  • You may be able to save approximately $160 per year just by quoting early and online

Rates by Driver Age

Mazda 6 Insurance Rates by Driver Age
Driver Age Premium
16 $5,016
20 $3,026
30 $1,354
40 $1,310
50 $1,198
60 $1,174

Full coverage, $500 deductibles

Rates by Deductible

Mazda 6 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,618
$250 $1,474
$500 $1,310
$1,000 $1,150

Full coverage, driver age 40

Rates by Liability Limit

Mazda 6 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,310
50/100 $1,444
100/300 $1,557
250/500 $1,851
100 CSL $1,490
300 CSL $1,738
500 CSL $1,919

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda 6 Insurance Rates for High Risk Drivers
Age Premium
16 $7,136
20 $4,822
30 $2,888
40 $2,838
50 $2,712
60 $2,688

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 $183

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $69
Multi-vehicle $70
Homeowner $21
5-yr Accident Free $93
5-yr Claim Free $85
Paid in Full/EFT $57
Advance Quote $64
Online Quote $92
Total Discounts $551
Rate after discounts $759

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

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