Mazda 5 Insurance Rates

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UPDATED: May 14, 2024

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Average insurance prices for a Mazda 5 are $938 every 12 months with full coverage. Comprehensive costs approximately $164, collision insurance costs $236, and liability is estimated at $402. A liability-only policy costs approximately $446 a year, and high-risk insurance costs around $2,020. Teens receive the highest rates at up to $3,708 a year.

Average premium for full coverage: $938

Rate estimates by individual coverage type:

Comprehensive $164
Collision $236
Liability $402

Prices include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and for different 5 trim levels.

Price Range by Coverage and Risk

For the average driver, prices range range from the cheapest price of $446 for a discount liability-only rate to a much higher rate of $2,020 for a policy for a high-risk driver.

Liability Only $446
Full Coverage $938
High Risk $2,020

Price Range by Location

Living in a larger city can make a big difference on the price of insurance. Rural locations tend to have more infrequent collision claims than cities with more traffic congestion. The price range example below illustrates how location impacts auto insurance prices.

Rural Areas $704
Small Cities $985
Large Cities $1,266

These examples demonstrate why anyone shopping for car insurance should get quotes using their specific location and their own driving history, 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.

Rates by State, City, and Model

The chart below details average Mazda 5 insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $563
  • Choosing higher $1,000 deductibles can save $92 annually
  • The average price for a 40-year-old driver who chooses $500 deductibles is $938
  • Selecting more expensive low deductibles for comp and collision coverage increases the price to $1,112
  • Higher-risk drivers with serious driving violations could pay around $2,020
  • The cost to insure a 16-year-old driver with full coverage can cost $3,708 each year

View Chart as Image

Mazda 5 insurance cost comparison chart
Column chart showing Mazda 5 insurance rates range from $563 to $3,708 for full coverage

Insurance rates for a Mazda 5 can also vary considerably based on policy deductibles and limits, your driving record, and the model of your 5.

Choosing higher comprehensive and collision insurance deductibles can save as much as $270 annually, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $362 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as low as $900 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay in the ballpark of $3,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $1,100 to $1,600 extra per year, depending on your age. High-risk driver insurance ranges from 43% to 131% more than the average policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Mazda 5 insurance prices. A good driver about age 40 could pay as low as $680 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,270 on average in New York, Michigan, and Florida.

Mazda 5 Insurance Rates by State
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%

View Chart as Image

Mazda 5 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Mazda 5 Insurance Rates by Model and Trim Level
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.

Mazda 5 Insurance Rates by Model Year
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 Shop for the Right Mazda 5 Insurance

Saving money on insurance for a Mazda 5 takes having a decent driving record, having good credit, eliminating unnecessary coverage, and possibly raising deductibles. Spend time shopping around every year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following items are a quick rundown of the coverage data touched on above.

  • You may be able to save around $110 per year just by shopping early and online
  • Increasing deductibles could save as much as $275 each year
  • 16 to 18-year-old drivers are expensive to insure, with premiums as much as $309 per month if they have full coverage
  • Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,080 more per year than a driver with a clean driving record

Rates by Driver Age

Mazda 5 Insurance 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

Mazda 5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,112
$250 $1,032
$500 $938
$1,000 $846

Full coverage, driver age 40

Rates by Liability Limit

Mazda 5 Insurance Rates with Different Liability Limits
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

Mazda 5 Insurance 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.

SR-22 Surcharge $127

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
Rate after discounts $563

Discounts are estimated and may not be available from every company or in every state.

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