Mazda 5 Insurance Rates
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Michelle Robbins
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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...
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UPDATED: May 14, 2024
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The average auto insurance rates for a Mazda 5 are $968 annually for full coverage. Comprehensive insurance costs an estimated $176 a year, collision insurance costs $254, and liability coverage is estimated at $402. A liability-only policy costs approximately $446 a year, and high-risk insurance costs $2,086 or more. Teen drivers cost the most to insure at up to $3,798 a year.
Average premium for full coverage: $968
Policy rates broken down by type of insurance:
Prices are based on $500 physical damage deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and 5 trim levels.
Price Range Variability
Using a middle-aged driver as an example, Mazda 5 insurance rates range from as cheap as $446 for minimum levels of liability insurance to a high of $2,086 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a large influence on insurance rates. More rural locations are shown to have fewer accident claims than larger metro areas. The diagram below illustrates how where you live affects insurance prices.
The examples above show why it is important to get quotes for a targeted area and their own personal driving habits, rather than using 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 Rate Details
The chart below shows average Mazda 5 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $578
- Choosing higher $1,000 deductibles can save approximately $870 a year
- The estimated rate for a good driver age 40 who has $500 deductibles is $968
- Choosing low $100 deductibles for comp and collision coverage costs an additional $188 each year
- Drivers with multiple violations and an at-fault accident could pay up to $2,086
- Policy cost with full coverage for a teenage driver can cost as much as $3,798 each year
Car insurance rates for a Mazda 5 also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.
Older drivers with no driving violations and high physical damage deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged at least $3,700 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying $1,100 to $1,600 extra every year, depending on your age. A high-risk auto insurance policy ranges around 42% to 126% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $290 a year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit
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 $640 a year in states like Iowa, Maine, and Idaho, or as much as $1,380 on average in New York, Louisiana, and Michigan.
| 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% |
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 Buy Affordable Mazda 5 Insurance
Finding cheaper rates on auto insurance takes being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Take the time to comparison shop every couple of years by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below is a brief review of the material that was touched on in the above illustrations.
- Consumers who want higher levels of liability will pay about $440 each year to raise limits from a 30/60 limit to higher 250/500 limits
- Teenage drivers have the highest car insurance rates, costing up to $317 each month if comprehensive and collision insurance is included
- Drivers with DUI or reckless driving convictions may pay on average $1,120 more annually for auto insurance
- Increasing comprehensive and collision deductibles could save up to $275 each year
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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