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...
Licensed Insurance Agent
UPDATED: May 14, 2024
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Estimated insurance rates for a Mazda 5 are $938 a year for full coverage. Comprehensive insurance costs on average $164, collision costs $236, and liability is $402. A liability-only policy costs around $446 a year, with high-risk insurance costing $2,020 or more. Teens pay the most at $3,708 a year or more.
Average premium for full coverage: $938
Premium estimates by type of coverage:
These estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for all 5 models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Mazda 5 go from the low end price of $446 for basic liability insurance to the much higher price of $2,020 for a high-risk driver policy.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than cities with more traffic congestion.
The example below illustrates how geographic area affects car insurance rates.
These rate differences show why everyone should compare rates quotes based on a specific location, instead of making a decision based on averaged prices.
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.
Rate Comparisons
The chart below shows estimated Mazda 5 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $563
- Raising to $1,000 deductibles will save around $92 a year
- The estimated price for a 40-year-old good driver with $500 deductibles is $938
- Selecting pricier low deductibles will cost an additional $174 annually
- Drivers with serious driving violations could pay upwards of $2,020 or more
- An auto insurance policy that insures a 16-year-old driver for full coverage may cost $3,708
Auto insurance prices for a Mazda 5 also have a wide range based on the model of your 5, how you drive, and policy deductibles and limits.
If you have a few violations or you caused an accident, you could be paying at a minimum $1,100 to $1,600 in extra premium annually, depending on your age. Mazda 5 insurance for high-risk drivers is expensive and can cost from 43% to 131% more than the average policy. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $3,700 a year. View Rates by Age
Where you choose to live also has a big influence on Mazda 5 insurance prices. A middle-age driver might find prices as low as $620 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,340 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $270 annually, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to know exactly what you will pay is to regularly compare prices from multiple companies. Every auto insurance company calculates prices differently, and quoted prices will be substantially different.
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 Find Cheap Mazda 5 Insurance
Finding better rates on insurance for a Mazda 5 consists of being a low-risk driver, maintaining a good credit score, not filing small claims, and taking advantage of discounts. Compare rates every time your policy renews by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.
The items below are a brief summary of the information presented in the illustrations above.
- Drivers can save as much as $110 per year simply by quoting online well ahead of the renewal date
- Teen drivers are charged the highest prices, as much as $309 per month if the policy includes full coverage
- Increasing policy deductibles can save approximately $275 each year
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,080 more each year to insure their 5
- Insureds who require more liability coverage will pay approximately $440 each year to raise from 30/60 bodily injury limits to the 250/500 level
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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