Mazda 5 Insurance Rates

Estimated insurance rates for a Mazda 5 are $968 a year including full coverage. Comprehensive costs around $176 each year, collision costs $254, and liability coverage costs around $402. Liability-only coverage costs as low as $446 a year, with high-risk coverage costing around $2,086. Teens pay the most at $3,798 a year or more.

Average premium for full coverage: $968

Premium estimates for type of coverage:

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and 5 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

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

These rate differences highlight why all drivers should compare prices for a specific zip code, rather than using averaged prices.

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

Rate Comparisons

The chart below breaks down estimated Mazda 5 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $578
• Using higher $1,000 deductibles will save about $98 every year
• The estimated price for a 40-year-old good driver using $500 deductibles is $968
• Selecting low deductibles for physical damage coverage bumps up the cost to $1,156
• Higher-risk drivers with serious driving violations could pay at least $2,086 or more
• An auto insurance policy that insures a teenage driver can be $3,798 or more

View Chart as Image

Insurance prices for a Mazda 5 also have a wide range based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are likely paying at least $1,100 to $1,600 extra annually, depending on your age. Insurance for high-risk drivers can be around 42% to 126% more than the average policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay as much as $3,700 a year. View Rates by Age

Where you choose to live has a huge impact on Mazda 5 insurance rates. A driver around age 40 might see prices as low as $740 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,380 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $290 a year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out your exact price is to do a rate comparison and see how they stack up. Each insurance company calculates prices differently, so the prices will be substantially 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 Low Cost Mazda 5 Insurance

Finding better rates on auto insurance requires avoiding accidents and violations, having above-average credit, refrain from filing small claims, and insuring your home and auto with the same company. Compare rates at least every other year by quoting rates from direct car insurance companies, and also from local insurance agencies.

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

• Drivers who have several accidents or serious violations may have to pay on average $1,120 more every year for car insurance
• You may be able to save up to $110 per year simply by quoting online in advance
• Increasing policy deductibles can save approximately $275 each year
• Consumers who may need higher liability limits will pay approximately $440 per year to increase from 30/60 bodily injury limits to the 250/500 level