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 $968 a year for full coverage. Comprehensive costs around $176, collision insurance costs $254, and liability insurance costs around $402. Liability-only insurance costs as low as $446 a year, and high-risk driver insurance costs around $2,086. Teen drivers pay the most at up to $3,798 a year.
Average premium for full coverage: $968
Premium estimates for type of coverage:
Full coverage includes $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for all 5 models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Mazda 5 range from the low end price of $446 for liability-only coverage to the much higher price of $2,086 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than larger metro areas. The example below illustrates the difference between rural and urban areas on auto insurance rates.
These rate differences show why everyone should compare prices for a specific zip code, rather than relying on price averages.
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.
Additional Charts and Tables
The chart below shows average Mazda 5 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $578
- Using higher $1,000 deductibles will save about $98 a year
- The estimated price for a 40-year-old good driver using $500 deductibles is $968
- Choosing pricier low deductibles for physical damage coverage bumps up the cost to $1,156
- Drivers with multiple violations and an at-fault accident could pay at least $2,086
- An auto insurance policy that insures a teen driver for full coverage can be $3,798 or more
Insurance prices for a Mazda 5 also have a wide range based on the model of your 5, how you drive, and deductibles and policy limits.
If you have a few violations or you caused an accident, you could be paying at least $1,100 to $1,600 additional annually, depending on your age. Mazda 5 insurance for high-risk drivers can be anywhere from 42% to 126% more than average. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $3,700 a year. View Rates by Age
Where you choose to live has a huge impact on Mazda 5 insurance rates. A driver around age 40 might see prices as low as $640 a year in states like Idaho, Maine, and Iowa, or as much as $1,380 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $876 | -$92 | -9.5% |
| Alaska | $744 | -$224 | -23.1% |
| Arizona | $804 | -$164 | -16.9% |
| Arkansas | $968 | -$0 | 0.0% |
| California | $1,102 | $134 | 13.8% |
| Colorado | $924 | -$44 | -4.5% |
| Connecticut | $994 | $26 | 2.7% |
| Delaware | $1,094 | $126 | 13.0% |
| Florida | $1,208 | $240 | 24.8% |
| Georgia | $896 | -$72 | -7.4% |
| Hawaii | $694 | -$274 | -28.3% |
| Idaho | $656 | -$312 | -32.2% |
| Illinois | $722 | -$246 | -25.4% |
| Indiana | $730 | -$238 | -24.6% |
| Iowa | $652 | -$316 | -32.6% |
| Kansas | $920 | -$48 | -5.0% |
| Kentucky | $1,320 | $352 | 36.4% |
| Louisiana | $1,434 | $466 | 48.1% |
| Maine | $598 | -$370 | -38.2% |
| Maryland | $800 | -$168 | -17.4% |
| Massachusetts | $772 | -$196 | -20.2% |
| Michigan | $1,680 | $712 | 73.6% |
| Minnesota | $812 | -$156 | -16.1% |
| Mississippi | $1,160 | $192 | 19.8% |
| Missouri | $858 | -$110 | -11.4% |
| Montana | $1,040 | $72 | 7.4% |
| Nebraska | $760 | -$208 | -21.5% |
| Nevada | $1,162 | $194 | 20.0% |
| New Hampshire | $698 | -$270 | -27.9% |
| New Jersey | $1,082 | $114 | 11.8% |
| New Mexico | $856 | -$112 | -11.6% |
| New York | $1,020 | $52 | 5.4% |
| North Carolina | $558 | -$410 | -42.4% |
| North Dakota | $794 | -$174 | -18.0% |
| Ohio | $668 | -$300 | -31.0% |
| Oklahoma | $992 | $24 | 2.5% |
| Oregon | $888 | -$80 | -8.3% |
| Pennsylvania | $922 | -$46 | -4.8% |
| Rhode Island | $1,290 | $322 | 33.3% |
| South Carolina | $878 | -$90 | -9.3% |
| South Dakota | $816 | -$152 | -15.7% |
| Tennessee | $846 | -$122 | -12.6% |
| Texas | $1,166 | $198 | 20.5% |
| Utah | $716 | -$252 | -26.0% |
| Vermont | $660 | -$308 | -31.8% |
| Virginia | $580 | -$388 | -40.1% |
| Washington | $746 | -$222 | -22.9% |
| West Virginia | $888 | -$80 | -8.3% |
| Wisconsin | $668 | -$300 | -31.0% |
| Wyoming | $860 | -$108 | -11.2% |
Choosing high deductibles could cut prices by as much as $290 each year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 more each year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda 5 Sport Station Wagon | $916 | $76 |
| Mazda 5 Touring Station Wagon | $986 | $82 |
| Mazda 5 Grand Touring Station Wagon | $1,010 | $84 |
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 | $180 | $272 | $394 | $982 |
| 2014 Mazda 5 | $176 | $254 | $402 | $968 |
| 2013 Mazda 5 | $164 | $236 | $402 | $938 |
| 2012 Mazda 5 | $158 | $214 | $406 | $914 |
| 2010 Mazda 5 | $140 | $178 | $402 | $856 |
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 More Affordable Mazda 5 Insurance
Finding better rates on Mazda 5 insurance requires being a low-risk driver, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Shop around at every policy renewal by obtaining price quotes from direct carriers, and also from several local insurance agents.
The items below are a summary of the data covered above.
- Drivers who may need more liability coverage will pay about $440 each year to increase from 30/60 bodily injury limits to the 250/500 level
- Drivers can save up to $110 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles can save approximately $275 each year
- Teen drivers are charged the highest prices, as much as $317 per month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,798 |
| 20 | $2,214 |
| 30 | $992 |
| 40 | $968 |
| 50 | $888 |
| 60 | $872 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,156 |
| $250 | $1,070 |
| $500 | $968 |
| $1,000 | $870 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $968 |
| 50/100 | $1,090 |
| 100/300 | $1,191 |
| 250/500 | $1,452 |
| 100 CSL | $1,131 |
| 300 CSL | $1,352 |
| 500 CSL | $1,513 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,376 |
| 20 | $3,526 |
| 30 | $2,112 |
| 40 | $2,086 |
| 50 | $1,990 |
| 60 | $1,972 |
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 | $50 |
| Multi-vehicle | $52 |
| Homeowner | $16 |
| 5-yr Accident Free | $62 |
| 5-yr Claim Free | $61 |
| Paid in Full/EFT | $38 |
| Advance Quote | $44 |
| Online Quote | $67 |
| Total Discounts | $390 |
Discounts are estimated and may not be available from every company or in every state.
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