Mazda 5 Insurance Rates

U.S. average insurance rates for a Mazda 5 are $938 a year for full coverage insurance. Comprehensive insurance costs on average $164, collision costs $236, and liability costs $402. A policy with just liability insurance costs as little as $446 a year, with coverage for high-risk drivers costing $2,020 or more. Teenage drivers pay the highest rates at $3,708 a year or more.

Average premium for full coverage: $938

Price estimates by individual coverage:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for all 5 models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on insurance rates. Rural areas have lower incidents of physical damage claims than densely populated cities.

The example below illustrates how geographic area affects car insurance rates.

The ranges above illustrate why everyone should compare rates based on a specific location, instead of using average rates.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below illustrates estimated Mazda 5 insurance rates for different risk profiles and scenarios.

• The best discount rate is $563
• Drivers who choose higher $1,000 deductibles will pay around $92 each year
• The estimated price for the average middle-age driver with $500 deductibles is $938
• Using pricier low deductibles for comprehensive and collision insurance will cost an additional $174 every year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,020 or more
• The price that insures a teen driver for full coverage may cost $3,708 a year

View Chart as Image

Insurance prices for a Mazda 5 are also quite variable based on the model of your 5, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,100 to $1,600 extra each year, depending on your age. Mazda 5 insurance for high-risk drivers can cost as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $900 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $3,700 a year. View Rates by Age

The state you live in makes a big difference in Mazda 5 insurance prices. A 40-year-old driver could pay as low as $610 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,270 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $270 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out exactly what you will pay is to regularly compare prices and see which company has the best price. Every company uses a different method to calculate prices, so the prices may be quite different.

Insurance Rates by Trim Level and Model Year

Rates assume 2014 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.

How to Find Cheaper Mazda 5 Insurance

Getting lower rates on car insurance not only requires avoiding accidents and claims, but also having above-average credit, not filing small claims, and bundling your home and auto policies. Compare prices at every policy renewal by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The points below are a condensed summary of the data presented in the illustrations above.

• Policyholders who require increased liability limits will pay an extra $440 annually to go from a low limit to the 250/500 level
• It is possible to save as much as $110 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $275 each year
• Drivers under the age of 20 pay the highest prices, as much as $309 a month if full coverage is included