Mazda Tribute Insurance Rates
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Michelle Robbins
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UPDATED: Jun 3, 2023
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The average insurance rates for a Mazda Tribute are $780 a year with full coverage. Comprehensive costs on average $116 each year, collision costs $152, and liability is $376. Buying just liability costs around $426 a year, with insurance for high-risk drivers costing around $1,672. 16-year-old drivers cost the most to insure at $3,186 a year or more.
Average premium for full coverage: $780
Policy rates by type of insurance:
Prices include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and Tribute models.
Price Range Variability
For a driver around age 40, Mazda Tribute insurance rates go from the low end price of $426 for your basic liability-only policy to a high rate of $1,672 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than congested cities.
The graphic below illustrates the difference between rural and urban areas on car insurance rates.
The examples above demonstrate why all drivers should compare rates quotes based on a specific location, instead of making a decision based on 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.
More Rate Information
The chart below details estimated Mazda Tribute insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $479
- Raising to $1,000 deductibles will save around $62 annually
- The estimated price for a good driver age 40 with $500 deductibles is $780
- Buying low deductibles bumps up the cost to $896
- Drivers with multiple tickets or accidents could pay upwards of $1,672 or more
- Policy cost that insures a 16-year-old driver may cost $3,186
Insurance rates for a Mazda Tribute also range considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $900 to $1,300 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 41% to 128% more than the average rate. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $800 every 12 months on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay upwards of $3,100 a year. View Rates by Age
Your home state also has a big influence on Mazda Tribute insurance prices. A middle-age driver might find rates as low as $560 a year in states like New Hampshire, Ohio, and Utah, or at least $1,050 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $704 | -$76 | -9.7% |
| Alaska | $596 | -$184 | -23.6% |
| Arizona | $646 | -$134 | -17.2% |
| Arkansas | $780 | -$0 | 0.0% |
| California | $888 | $108 | 13.8% |
| Colorado | $744 | -$36 | -4.6% |
| Connecticut | $798 | $18 | 2.3% |
| Delaware | $880 | $100 | 12.8% |
| Florida | $972 | $192 | 24.6% |
| Georgia | $720 | -$60 | -7.7% |
| Hawaii | $560 | -$220 | -28.2% |
| Idaho | $528 | -$252 | -32.3% |
| Illinois | $580 | -$200 | -25.6% |
| Indiana | $586 | -$194 | -24.9% |
| Iowa | $524 | -$256 | -32.8% |
| Kansas | $740 | -$40 | -5.1% |
| Kentucky | $1,062 | $282 | 36.2% |
| Louisiana | $1,152 | $372 | 47.7% |
| Maine | $482 | -$298 | -38.2% |
| Maryland | $644 | -$136 | -17.4% |
| Massachusetts | $620 | -$160 | -20.5% |
| Michigan | $1,352 | $572 | 73.3% |
| Minnesota | $652 | -$128 | -16.4% |
| Mississippi | $932 | $152 | 19.5% |
| Missouri | $692 | -$88 | -11.3% |
| Montana | $836 | $56 | 7.2% |
| Nebraska | $612 | -$168 | -21.5% |
| Nevada | $932 | $152 | 19.5% |
| New Hampshire | $564 | -$216 | -27.7% |
| New Jersey | $870 | $90 | 11.5% |
| New Mexico | $690 | -$90 | -11.5% |
| New York | $820 | $40 | 5.1% |
| North Carolina | $448 | -$332 | -42.6% |
| North Dakota | $638 | -$142 | -18.2% |
| Ohio | $538 | -$242 | -31.0% |
| Oklahoma | $798 | $18 | 2.3% |
| Oregon | $714 | -$66 | -8.5% |
| Pennsylvania | $742 | -$38 | -4.9% |
| Rhode Island | $1,040 | $260 | 33.3% |
| South Carolina | $706 | -$74 | -9.5% |
| South Dakota | $658 | -$122 | -15.6% |
| Tennessee | $682 | -$98 | -12.6% |
| Texas | $938 | $158 | 20.3% |
| Utah | $576 | -$204 | -26.2% |
| Vermont | $530 | -$250 | -32.1% |
| Virginia | $468 | -$312 | -40.0% |
| Washington | $600 | -$180 | -23.1% |
| West Virginia | $714 | -$66 | -8.5% |
| Wisconsin | $538 | -$242 | -31.0% |
| Wyoming | $692 | -$88 | -11.3% |
Opting for high physical damage deductibles can reduce rates by up to $180 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $339 more per year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company utilizes a different rate formula, so the rates will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda Tribute I Sport 2WD | $750 | $63 |
| Mazda Tribute I Sport 4WD | $766 | $64 |
| Mazda Tribute I Touring 2WD | $766 | $64 |
| Mazda Tribute I Grand Touring 2WD | $780 | $65 |
| Mazda Tribute I Touring 4WD | $780 | $65 |
| Mazda Tribute I Grand Touring 4WD | $794 | $66 |
| Mazda Tribute S Grand Touring 2WD | $794 | $66 |
| Mazda Tribute S Grand Touring 4WD | $808 | $67 |
Rates assume 2005 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 |
|---|---|---|---|---|
| 2009 Mazda Tribute | $132 | $178 | $390 | $836 |
| 2006 Mazda Tribute | $116 | $152 | $376 | $780 |
Rates are averaged for all Mazda Tribute 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 Tribute Insurance
Finding cheaper rates on insurance for a Mazda Tribute consists of being a low-risk driver, having above-average credit, not filing small claims, and bundling your home and auto policies. Comparison shop at every other renewal by getting rate quotes from direct companies, and also from several local insurance agents.
The items below are a quick rundown of the concepts that were covered above.
- Drivers considered higher risk with reckless driving or DUI convictions pay on average $890 more each year to insure their Tribute
- Teen drivers pay the highest rates, as much as $266 each month if full coverage is included
- You may be able to save as much as $90 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles can save approximately $175 each year
- You may be able to save as much as $90 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,186 |
| 20 | $1,786 |
| 30 | $790 |
| 40 | $780 |
| 50 | $716 |
| 60 | $704 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $896 |
| $250 | $844 |
| $500 | $780 |
| $1,000 | $718 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $780 |
| 50/100 | $883 |
| 100/300 | $977 |
| 250/500 | $1,222 |
| 100 CSL | $921 |
| 300 CSL | $1,128 |
| 500 CSL | $1,278 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,472 |
| 20 | $2,838 |
| 30 | $1,682 |
| 40 | $1,672 |
| 50 | $1,600 |
| 60 | $1,582 |
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 | $39 |
| Multi-vehicle | $42 |
| Homeowner | $14 |
| 5-yr Accident Free | $46 |
| 5-yr Claim Free | $48 |
| Paid in Full/EFT | $27 |
| Advance Quote | $33 |
| Online Quote | $52 |
| Total Discounts | $301 |
Discounts are estimated and may not be available from every company or in every state.
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