Mazda 5 Insurance Rates

The average insurance rates for a Mazda 5 are $938 a year for full coverage. Comprehensive insurance costs on average $164 a year, collision costs $236, and liability costs $402. Liability-only coverage costs as little as $446 a year, with high-risk coverage costing $2,020 or more. Teen drivers cost the most to insure at $3,708 a year or more.

Average premium for full coverage: $938

Policy rates by type of insurance:

Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and 5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates how location helps determine car insurance rates.

The examples above show why it is important to compare rates based on a specific location and risk profile, instead of using price averages.

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

More Rate Details

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

• The lowest rate with discounts is $563
• Drivers who choose higher $1,000 deductibles will pay around $846 a year
• The average rate for a good driver age 40 with $500 deductibles is $938
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an extra $174 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,020 or more
• Policy cost for full coverage for a teen driver may cost $3,708 a year

View Chart as Image

Insurance rates for a Mazda 5 also range considerably based on your risk profile, the trim level of your 5, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay upwards of $3,700 a year. View Rates by Age

Your home state makes a big difference in Mazda 5 insurance prices. A 40-year-old driver could pay as low as $620 a year in states like Idaho, Maine, and Iowa, or as much as $1,340 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could save up to $270 every year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,100 to $1,600 additional every year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 131% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes and see which company has the best rate. Every company uses a different rate calculation, and rates will be varied 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 Low Cost Mazda 5 Insurance

Finding cheaper rates on car insurance not only requires having a decent driving record, but also having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest time comparing rates at every other renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The following items are a review of the concepts that were covered in the charts and tables above.

• Higher risk drivers who have several accidents or serious violations will pay on average $1,080 more each year than a driver with a clean driving record
• 16 to 18-year-old drivers pay higher rates, costing up to $309 each month including comprehensive and collision insurance
• Drivers can save as much as $110 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $275 each year
• Drivers can save as much as $110 per year simply by quoting early and online