Mazda 5 Insurance Rates

U.S. average insurance rates for a Mazda 5 are $938 a year for full coverage. Comprehensive insurance costs approximately $164, collision costs $236, and liability insurance costs $402. A policy with just liability insurance costs as little as $446 a year, with coverage for high-risk drivers 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:

Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for different 5 trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. Rural locations have lower incidents of accident claims than congested cities.

The price range example below illustrates how where you live affects auto insurance prices.

The ranges above show why anyone shopping for car insurance should compare rates using their specific location, rather than relying on rate averages.

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

Rates by State, City, and Model

The chart below shows estimated Mazda 5 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $563
• Drivers who choose higher $1,000 deductibles will pay $92 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $938
• Buying more expensive low deductibles for comprehensive and collision insurance will cost an additional $174 a year
• High risk drivers with multiple tickets or accidents could pay around $2,020 or more
• The price that insures a teen driver with full coverage can cost $3,708 a year

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Insurance prices for a Mazda 5 are also quite variable based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,100 to $1,600 extra each 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

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $900 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $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 $620 a year in states like Iowa, Maine, and Idaho, or at least $1,340 on average in New York, Louisiana, and Michigan.

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Opting for high physical damage deductibles could save up to $270 each year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices from as many companies as possible. Every company utilizes a different rate formula, so the prices may be quite 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 the Best Mazda 5 Insurance

Getting lower rates on Mazda 5 insurance not only requires avoiding accidents and violations, but also having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Comparison shop every couple of years by obtaining price quotes from direct carriers, and also from insurance agencies where you live.

The list below is a brief recap of the material that was touched on in the above illustrations.

• Drivers who purchase higher liability limits will pay around $440 each year to go from a low limit to the 250/500 level
• Teenagers are expensive to insure, with premiums as much as $309 a month if full coverage is included
• High-risk drivers who tend to receive serious violations could be forced to pay on average $1,080 more per year for car insurance
• Increasing physical damage deductibles can save approximately $275 each year