Mazda 5 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 14, 2024
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The average auto insurance rates for a Mazda 5 are $938 annually for full coverage insurance. Comprehensive insurance costs approximately $164, collision costs $236, and liability insurance is estimated at $402. Liability-only insurance costs approximately $446 a year, with high-risk driver insurance costing $2,020 or more. Teenage drivers cost the most to insure at $3,708 a year or more.
Average premium for full coverage: $938
Policy rates by type of insurance:
Prices include $500 deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for different 5 trim levels.
Price Range Variability
For the average 40-year-old driver, Mazda 5 insurance rates go from as cheap as $446 for just liability coverage to a much higher rate of $2,020 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than densely populated cities.
The price range example below illustrates the difference location can make on auto insurance prices.
The examples above illustrate why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than relying on 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.
Detailed Rate Analysis
The chart below illustrates estimated Mazda 5 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $563
- Choosing higher $1,000 deductibles can save $92 each year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $938
- Using more expensive low deductibles for comp and collision coverage costs an additional $174 a year
- High-risk insureds who are prone to accidents and violations could pay around $2,020 or more
- Policy cost with full coverage for a teen driver with full coverage can cost $3,708 each year
Auto insurance rates for a Mazda 5 also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.
An older driver with a good driving record and high physical damage deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $3,700 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,100 to $1,600 in extra premium every year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $270 each year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Mazda 5 insurance rates. A good driver about age 40 could pay as low as $610 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,270 on average in Florida, New York, and Michigan.
| 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% |
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied between companies.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Buy the Right Mazda 5 Insurance
Finding cheaper rates on Mazda 5 insurance takes not taking risks behind the wheel, having above-average credit, being claim-free, and not having any coverage lapses. Make time to compare rates every year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following is a quick rundown of the coverage data touched on in this article.
- It is possible to save around $110 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $275 each year
- Teens have the highest car insurance rates, possibly costing $309 each month if full coverage is included
- High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,080 more per year for 5 insurance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,112 |
| $250 | $1,032 |
| $500 | $938 |
| $1,000 | $846 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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