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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The average insurance rates for a Mazda 5 are $968 a year with full coverage. Comprehensive insurance costs approximately $176 a year, collision insurance costs $254, and liability coverage is $402. A liability-only policy costs around $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 by type of insurance:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and 5 trim levels.
Price Range Variability
Using a middle-aged driver as an example, Mazda 5 insurance rates range from as low as $446 for just the minimum liability insurance to a high of $2,086 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than larger metro areas. The diagram below illustrates how where you live affects auto insurance prices.
The examples above demonstrate why it is important to compare rates quotes using their specific location and risk profile, 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 Analysis
The chart below details average Mazda 5 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $578
- Raising to $1,000 deductibles will save $870 annually
- The average rate for a good driver age 40 who chooses $500 deductibles is $968
- Choosing low $100 deductibles will cost an extra $188 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay around $2,086
- Policy cost for full coverage for a teenage driver can cost $3,798
Car insurance rates for a Mazda 5 also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.
Older drivers with no driving violations and high deductibles may only pay around $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged in the ballpark of $3,700 a year. View Rates by Age
Your home state also has a big influence on Mazda 5 insurance rates. A middle-age driver might find rates as low as $700 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,310 on average in New York, Michigan, and Florida.
| 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 can reduce rates by up to $290 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,100 to $1,600 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 126% more than average. View High Risk Driver Rates
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 Cheaper Mazda 5 Insurance
Finding cheaper rates on auto insurance consists of being a good driver, having above-average credit, not filing small claims, and attention to physical damage deductibles. Take the time to comparison shop at every policy renewal by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following list is a condensed summary of the data touched on in the above illustrations.
- Consumers who purchase an increased level of liability coverage will pay about $440 every year to raise from a 30/60 limit to 250/500 limits
- You may be able to save around $110 per year just by quoting early and online
- Increasing comprehensive and collision deductibles can save around $275 each year
- Drivers age 16 to 20 pay the highest auto insurance rates, as much as $317 each month if full coverage 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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