Mazda 5 Insurance Rates

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UPDATED: May 14, 2024

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Average insurance prices for a Mazda 5 are $938 every 12 months with full coverage. Comprehensive insurance costs on average $164, collision insurance costs $236, and liability insurance costs $402. Liability-only coverage costs as little as $446 a year, and high-risk coverage costs $2,020 or more. 16-year-old drivers receive the highest rates at up to $3,708 a year.

Average premium for full coverage: $938

Rate estimates by individual coverage type:

Comprehensive $164
Collision $236
Liability $402

Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and for different 5 trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from the cheapest price of $446 for a discount liability-only rate to a much higher rate of $2,020 for a driver who has had serious violations or accidents.

Liability Only $446
Full Coverage $938
High Risk $2,020

Price Range by Location

Your location has a significant impact on auto insurance rates. Rural areas tend to have more infrequent collision claims than congested cities. The price range example below illustrates how rural and urban location affects car insurance rates.

Rural Areas $704
Small Cities $985
Large Cities $1,266

These examples demonstrate why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, rather than relying 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.

Rates by State, City, and Model

The chart below details average Mazda 5 insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $563
  • Drivers who choose higher $1,000 deductibles will pay around $92 annually
  • The average price for a 40-year-old driver with $500 deductibles is $938
  • Buying more expensive low deductibles for comprehensive and collision insurance costs an extra $174 a year
  • High risk drivers with multiple tickets or accidents could pay upwards of $2,020
  • The cost to insure a teen driver with full coverage may cost $3,708 a year

View Chart as Image

Mazda 5 insurance cost comparison chart
Column chart showing Mazda 5 insurance prices range from $563 to $3,708 for full coverage

Car insurance rates for a Mazda 5 can also vary considerably based on policy deductibles and limits, your driving record, and the trim level of your 5.

Opting for high physical damage deductibles could save up to $270 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles could pay as little as $900 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged upwards of $3,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $1,100 to $1,600 extra per year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates

Where you live makes a big difference in Mazda 5 insurance rates. A 40-year-old driver could pay as low as $680 a year in states like New Hampshire, Ohio, and Utah, or at least $1,270 on average in Florida, Michigan, and New York.

Mazda 5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $848 -$90 -9.6%
Alaska $720 -$218 -23.2%
Arizona $778 -$160 -17.1%
Arkansas $938 -$0 0.0%
California $1,068 $130 13.9%
Colorado $894 -$44 -4.7%
Connecticut $962 $24 2.6%
Delaware $1,058 $120 12.8%
Florida $1,170 $232 24.7%
Georgia $866 -$72 -7.7%
Hawaii $674 -$264 -28.1%
Idaho $634 -$304 -32.4%
Illinois $698 -$240 -25.6%
Indiana $706 -$232 -24.7%
Iowa $632 -$306 -32.6%
Kansas $888 -$50 -5.3%
Kentucky $1,276 $338 36.0%
Louisiana $1,388 $450 48.0%
Maine $578 -$360 -38.4%
Maryland $774 -$164 -17.5%
Massachusetts $748 -$190 -20.3%
Michigan $1,626 $688 73.3%
Minnesota $784 -$154 -16.4%
Mississippi $1,124 $186 19.8%
Missouri $830 -$108 -11.5%
Montana $1,006 $68 7.2%
Nebraska $736 -$202 -21.5%
Nevada $1,124 $186 19.8%
New Hampshire $676 -$262 -27.9%
New Jersey $1,048 $110 11.7%
New Mexico $828 -$110 -11.7%
New York $986 $48 5.1%
North Carolina $540 -$398 -42.4%
North Dakota $770 -$168 -17.9%
Ohio $646 -$292 -31.1%
Oklahoma $960 $22 2.3%
Oregon $858 -$80 -8.5%
Pennsylvania $894 -$44 -4.7%
Rhode Island $1,250 $312 33.3%
South Carolina $850 -$88 -9.4%
South Dakota $792 -$146 -15.6%
Tennessee $818 -$120 -12.8%
Texas $1,128 $190 20.3%
Utah $694 -$244 -26.0%
Vermont $640 -$298 -31.8%
Virginia $562 -$376 -40.1%
Washington $722 -$216 -23.0%
West Virginia $858 -$80 -8.5%
Wisconsin $646 -$292 -31.1%
Wyoming $834 -$104 -11.1%

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 $892 $74
Mazda 5 Touring Station Wagon $954 $80
Mazda 5 Grand Touring Station Wagon $978 $82

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 $176 $254 $402 $968
2014 Mazda 5 $164 $236 $402 $938
2013 Mazda 5 $158 $214 $406 $914
2012 Mazda 5 $148 $196 $402 $882
2010 Mazda 5 $134 $160 $398 $828

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 Shop for More Affordable Mazda 5 Insurance

Saving money on Mazda 5 insurance not only requires being safe and accident-free, but also maintaining a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Set aside time to shop around every other policy renewal by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a summary of the ideas that were raised in the charts and tables above.

  • Youthful drivers are expensive to insure, with premiums as much as $309 per month if the policy includes full coverage
  • High-risk drivers who have multiple accidents or major violations may pay on average $1,080 more each year than a low-risk driver
  • Increasing deductibles could save as much as $275 each year
  • You may be able to save as much as $110 per year just by shopping early and online

Rates by Driver Age

Mazda 5 Insurance Rates by Driver Age
Driver Age Premium
16 $3,708
20 $2,146
30 $960
40 $938
50 $860
60 $842

Full coverage, $500 deductibles

Rates by Deductible

Mazda 5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,112
$250 $1,032
$500 $938
$1,000 $846

Full coverage, driver age 40

Rates by Liability Limit

Mazda 5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $938
50/100 $1,058
100/300 $1,159
250/500 $1,420
100 CSL $1,099
300 CSL $1,320
500 CSL $1,481

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda 5 Insurance Rates for High Risk Drivers
Age Premium
16 $5,242
20 $3,420
30 $2,044
40 $2,020
50 $1,926
60 $1,910

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 $127

Potential Rate Discounts

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

Discount Savings
Multi-policy $48
Multi-vehicle $50
Homeowner $16
5-yr Accident Free $60
5-yr Claim Free $59
Paid in Full/EFT $36
Advance Quote $42
Online Quote $64
Total Discounts $375
Rate after discounts $563

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

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