Mazda 5 Insurance Rates

Estimated insurance rates for a Mazda 5 are $938 a year for full coverage insurance. Comprehensive insurance costs an estimated $164, collision costs $236, and liability is estimated at $402. A liability-only policy costs approximately $446 a year, with high-risk insurance costing $2,020 or more. Teenage drivers pay the most at $3,708 a year or more.

Average premium for full coverage: $938

Premium estimates broken down by type of coverage:

Prices are based on $500 deductible amounts, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for different 5 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than densely populated cities.

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

These rate differences illustrate why anyone shopping for car insurance should get quotes for a targeted area and risk profile, instead of making a decision based on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $563
• Choosing higher $1,000 deductibles can save approximately $92 each year
• The average rate for a 40-year-old good driver who has $500 deductibles is $938
• Using more expensive low deductibles for comp and collision coverage will cost an extra $174 annually
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,020 or more
• An auto insurance policy for full coverage for a 16-year-old driver with full coverage can cost as much as $3,708 each year

View Chart as Image

Auto insurance prices for a Mazda 5 also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.

An older driver with a good driving record and high deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay at least $3,700 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Mazda 5 insurance prices. A good driver about age 40 could pay as low as $610 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,270 on average in Florida, New York, and Michigan.

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Using high physical damage deductibles can save as much as $270 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,100 to $1,600 in extra premium annually, depending on your age. High-risk driver insurance ranges from 43% to 131% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out which insurance company is cheapest is to compare prices from multiple companies. Each auto insurer uses a different method to calculate prices, and quoted prices will be substantially different from one company to the next.

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 Affordable Mazda 5 Insurance

Finding better rates on insurance for a Mazda 5 takes having a good driving record, having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Spend time shopping around at every policy renewal by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a brief review of the data touched on above.

• Insureds who want increased levels of liability coverage will pay an extra $440 annually to raise limits from 30/60 bodily injury limits to 250/500 limits
• It is possible to save approximately $110 per year simply by shopping early and online
• Increasing policy deductibles can save around $275 each year
• Drivers age 20 and younger are the costliest to insure, with premiums being up to $309 per month if they have full coverage