Mazda 5 Insurance Rates

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UPDATED: May 14, 2024

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Estimated auto insurance rates for a Mazda 5 are $968 annually for full coverage insurance. Comprehensive insurance costs on average $176, collision insurance costs $254, and liability costs $402. A policy with only liability insurance costs as little as $446 a year, and a high-risk policy costs $2,086 or more. Teenage drivers pay the most at up to $3,798 a year.

Average premium for full coverage: $968

Premium estimates by type of coverage:

Comprehensive $176
Collision $254
Liability $402

Includes $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for all 5 models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Mazda 5 range from as cheap as $446 for just the minimum liability insurance to the much higher price of $2,086 for a driver required to buy high-risk insurance.

Liability Only $446
Full Coverage $968
High Risk $2,086

Insurance Price Range by Location

Your location can have significant affects on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than densely populated cities. The example below illustrates how your location can change car insurance rates.

Rural Areas $726
Small Cities $1,016
Large Cities $1,307

These rate differences illustrate why everyone should compare rates based on a specific location and their own personal driving habits, instead of using average rates.

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 5 insurance rates for different risk profiles and scenarios.

  • The best discount rate is $578
  • Drivers who choose higher $1,000 deductibles will pay around $98 each year
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $968
  • Using pricier low deductibles for comprehensive and collision insurance costs an additional $188 every year
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,086
  • An auto insurance policy with full coverage for a teen driver for full coverage may cost $3,798 a year

View Chart as Image

Mazda 5 insurance cost comparison chart
Column chart showing Mazda 5 insurance prices range from $578 to $3,798 for full coverage

Car insurance prices for a Mazda 5 also have a wide range based on the model of your 5, your risk profile, and policy deductibles and limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged upwards of $3,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,100 to $1,600 extra annually, depending on your age. Mazda 5 insurance for high-risk drivers can cost as much as 42% to 126% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $290 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Mazda 5 insurance prices. A 40-year-old driver could pay as low as $630 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,310 on average in Michigan, New York, and Florida.

Mazda 5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $876 -$92 -9.5%
Alaska $744 -$224 -23.1%
Arizona $804 -$164 -16.9%
Arkansas $968 -$0 0.0%
California $1,102 $134 13.8%
Colorado $924 -$44 -4.5%
Connecticut $994 $26 2.7%
Delaware $1,094 $126 13.0%
Florida $1,208 $240 24.8%
Georgia $896 -$72 -7.4%
Hawaii $694 -$274 -28.3%
Idaho $656 -$312 -32.2%
Illinois $722 -$246 -25.4%
Indiana $730 -$238 -24.6%
Iowa $652 -$316 -32.6%
Kansas $920 -$48 -5.0%
Kentucky $1,320 $352 36.4%
Louisiana $1,434 $466 48.1%
Maine $598 -$370 -38.2%
Maryland $800 -$168 -17.4%
Massachusetts $772 -$196 -20.2%
Michigan $1,680 $712 73.6%
Minnesota $812 -$156 -16.1%
Mississippi $1,160 $192 19.8%
Missouri $858 -$110 -11.4%
Montana $1,040 $72 7.4%
Nebraska $760 -$208 -21.5%
Nevada $1,162 $194 20.0%
New Hampshire $698 -$270 -27.9%
New Jersey $1,082 $114 11.8%
New Mexico $856 -$112 -11.6%
New York $1,020 $52 5.4%
North Carolina $558 -$410 -42.4%
North Dakota $794 -$174 -18.0%
Ohio $668 -$300 -31.0%
Oklahoma $992 $24 2.5%
Oregon $888 -$80 -8.3%
Pennsylvania $922 -$46 -4.8%
Rhode Island $1,290 $322 33.3%
South Carolina $878 -$90 -9.3%
South Dakota $816 -$152 -15.7%
Tennessee $846 -$122 -12.6%
Texas $1,166 $198 20.5%
Utah $716 -$252 -26.0%
Vermont $660 -$308 -31.8%
Virginia $580 -$388 -40.1%
Washington $746 -$222 -22.9%
West Virginia $888 -$80 -8.3%
Wisconsin $668 -$300 -31.0%
Wyoming $860 -$108 -11.2%

View Chart as Image

Mazda 5 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Mazda 5 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Mazda 5 Sport Station Wagon $916 $76
Mazda 5 Touring Station Wagon $986 $82
Mazda 5 Grand Touring Station Wagon $1,010 $84

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.

Mazda 5 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2015 Mazda 5 $180 $272 $394 $982
2014 Mazda 5 $176 $254 $402 $968
2013 Mazda 5 $164 $236 $402 $938
2012 Mazda 5 $158 $214 $406 $914
2010 Mazda 5 $140 $178 $402 $856

Rates are averaged for all Mazda 5 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 the Cheapest Mazda 5 Insurance

Finding better rates on car insurance not only requires being safe and accident-free, but also having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Invest the time to shop around at every policy renewal by requesting quotes from direct insurance companies, and also from local exclusive and independent agents.

Below you'll find a recap of the data illustrated above.

  • Policyholders who require more liability protection will pay an extra $440 annually to go from 30/60 bodily injury limits to higher 250/500 limits
  • It is possible to save as much as $110 per year just by quoting online well ahead of the renewal date
  • Increasing policy deductibles could save up to $275 each year
  • Youthful drivers are expensive to insure, with premiums being up to $317 per month if comprehensive and collision insurance is included

Rates by Driver Age

Mazda 5 Insurance Rates by Driver Age
Driver Age Premium
16 $3,798
20 $2,214
30 $992
40 $968
50 $888
60 $872

Full coverage, $500 deductibles

Rates by Deductible

Mazda 5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,156
$250 $1,070
$500 $968
$1,000 $870

Full coverage, driver age 40

Rates by Liability Limit

Mazda 5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $968
50/100 $1,090
100/300 $1,191
250/500 $1,452
100 CSL $1,131
300 CSL $1,352
500 CSL $1,513

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda 5 Insurance Rates for High Risk Drivers
Age Premium
16 $5,376
20 $3,526
30 $2,112
40 $2,086
50 $1,990
60 $1,972

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 $131

Potential Rate Discounts

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

Discount Savings
Multi-policy $50
Multi-vehicle $52
Homeowner $16
5-yr Accident Free $62
5-yr Claim Free $61
Paid in Full/EFT $38
Advance Quote $44
Online Quote $67
Total Discounts $390
Rate after discounts $578

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

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