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 $938 a year for full coverage. Comprehensive insurance costs on average $164, collision costs $236, and liability coverage is estimated at $402. Liability-only insurance costs approximately $446 a year, with high-risk driver insurance costing $2,020 or more. 16-year-old drivers pay the highest rates at $3,708 a year or more.

Average premium for full coverage: $938

Price estimates by individual coverage:

Comprehensive $164
Collision $236
Liability $402

Rates are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for all 5 models.

Price Range from Low to High

For the average 40-year-old driver, Mazda 5 insurance prices go from as low as $446 for just liability coverage to the much higher price of $2,020 for a driver who requires high-risk insurance.

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

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas have a lower frequency of accident claims than congested cities.

The example below illustrates the difference location can make on car insurance rates.

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

The ranges above show why everyone should get quotes based on a specific location and risk profile, rather than using 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.

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Detailed Rate Analysis

The chart below shows estimated Mazda 5 insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $563
  • Choosing higher $1,000 deductibles can save around $92 a year
  • The average rate for the average middle-age driver with $500 deductibles is $938
  • Buying pricier low deductibles for comp and collision coverage will cost an extra $174 each year
  • Drivers with multiple tickets or accidents could pay upwards of $2,020 or more
  • The price for full coverage for a teenage driver for full coverage may cost $3,708 each year

View Chart as Image

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

Car insurance prices for a Mazda 5 are also quite variable based on your driving record, the trim level of your 5, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles may only pay around $900 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged upwards of $3,700 a year. View Rates by Age

The state you live in plays a big part in determining prices for Mazda 5 insurance rates. A good driver about age 40 could pay as low as $620 a year in states like Idaho, Maine, and Iowa, or at least $1,340 on average in Michigan, Louisiana, 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

Opting for high physical damage deductibles can save as much as $270 a year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,100 to $1,600 extra each year, depending on your age. Mazda 5 insurance for high-risk drivers ranges around 43% to 131% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to know exactly what you will pay is to regularly compare prices and see how they stack up. Each auto insurer utilizes a different rate formula, so rate quotes may be quite different from one company to the next.

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 Find the Best Cheap Mazda 5 Insurance

Getting lower rates on auto insurance takes being a low-risk driver, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Make time to compare rates at every other renewal by requesting quotes from direct carriers like Progressive and GEICO, and also from your local insurance agents.

The items below are a quick review of the concepts that were touched on in this article.

  • Drivers with a DUI or reckless driving violation will pay on average $1,080 more each year to insure their 5
  • Teen drivers are expensive to insure, with premiums as much as $309 a month if full coverage is included
  • Drivers can save as much as $110 per year simply by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles can save around $275 each year
  • Drivers can save as much as $110 per year simply by quoting online well ahead of the renewal date

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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