Mazda 5 Insurance Rates
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UPDATED: May 14, 2024
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U.S. average insurance rates for a Mazda 5 are $968 a year with full coverage. Comprehensive costs around $176, collision insurance costs $254, and liability coverage costs $402. Liability-only coverage costs as little as $446 a year, and high-risk coverage costs around $2,086. Teenage drivers pay the highest rates at up to $3,798 a year.
Average premium for full coverage: $968
Price estimates for individual coverage:
Includes $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and for all 5 models.
Price Range from Low to High
For a driver in their 40's, Mazda 5 insurance prices range from the low end price of $446 for minimum levels of liability insurance to the much higher price of $2,086 for coverage for higher-risk drivers.
Geographic Price Range
Your location has a large influence on insurance rates. Areas with sparse population have lower incidents of collision claims than densely populated cities. The example below illustrates how location helps determine auto insurance rates.
The ranges above demonstrate why everyone should compare rates for a specific zip code, rather than 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 Details
The chart below details average Mazda 5 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $578
- Drivers who choose higher $1,000 deductibles will pay about $98 annually
- The estimated price for the average middle-age driver using $500 deductibles is $968
- Using pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,156
- High-risk insureds who are prone to accidents and violations could pay at least $2,086
- The price that insures a teenage driver for full coverage can be $3,798 a year
Auto insurance prices for a Mazda 5 are also quite variable based on the model of your 5, your age and driving habits, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you may be forking out at least $1,100 to $1,600 in extra premium each year, depending on your age. Mazda 5 insurance for high-risk drivers can cost around 42% to 126% more than a normal policy. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $900 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay as much as $3,700 a year. View Rates by Age
The state you live in makes a big difference in Mazda 5 insurance rates. A 40-year-old driver could pay as low as $700 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,310 on average in Florida, Michigan, and New York.
| 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% |
Using high physical damage deductibles could save up to $290 a year, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $362 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Find the Cheapest Mazda 5 Insurance
Getting lower rates on auto insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Compare prices at least once a year by requesting quotes from direct companies, and also from your local independent and exclusive agents.
Below is a recap of the primary concepts that were covered in the charts and tables above.
- You may be able to save up to $110 per year just by quoting online well ahead of the renewal date
- Drivers that have major violations or accidents may pay on average $1,120 more every year for auto insurance
- Increasing physical damage deductibles can save approximately $275 each year
- Teenage drivers are expensive to insure, costing up to $317 a month if the policy includes full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,156 |
| $250 | $1,070 |
| $500 | $968 |
| $1,000 | $870 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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