Mazda 5 Insurance Rates

The average insurance prices for a Mazda 5 are $938 every 12 months including full coverage. Comprehensive costs an estimated $164, collision costs $236, and liability insurance is estimated at $402. Liability-only coverage costs approximately $446 a year, with high-risk coverage costing around $2,020. Teens cost the most to insure at $3,708 a year or more.

Average premium for full coverage: $938

Policy rates broken down by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different 5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how location impacts insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, rather than relying on averaged prices.

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

More Rate Information

The chart below breaks down estimated Mazda 5 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $563
• Choosing higher $1,000 deductibles can save approximately $92 every year
• The average price for a good driver age 40 who has $500 deductibles is $938
• Selecting more expensive low deductibles for comp and collision coverage increases the price to $1,112
• High-risk insureds with serious driving violations could pay up to $2,020 or more
• Policy cost to insure a teen driver with full coverage can cost as much as $3,708 each year

View Chart as Image

Insurance rates for a Mazda 5 also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can save as much as $270 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $3,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,100 to $1,600 additional every year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates

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 $720 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,340 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates from as many companies as possible. Each auto insurer calculates rates differently, and rates will be varied.

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 Shop for the Best Mazda 5 Insurance

Finding cheaper rates on Mazda 5 insurance takes avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Spend time shopping around at every other renewal by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The points below are a brief recap of the concepts that were touched on above.

• High-risk drivers who tend to receive serious violations may have to pay on average $1,080 more annually to insure a Mazda 5
• Drivers under the age of 20 are expensive to insure, with premiums being up to $309 each month if full coverage is included
• You may be able to save approximately $110 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $275 each year
• You may be able to save approximately $110 per year simply by shopping early and online