Mazda 5 Insurance Rates

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UPDATED: May 14, 2024

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The average insurance prices for a Mazda 5 are $968 every 12 months with full coverage. Comprehensive insurance costs approximately $176 a year, collision costs $254, and liability costs $402. Liability-only coverage costs as little as $446 a year, with high-risk coverage costing $2,086 or more. Teens cost the most to insure at $3,798 a year or more.

Average premium for full coverage: $968

Policy rates by type of insurance:

Comprehensive $176
Collision $254
Liability $402

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and 5 trim levels.

Price Range Variability

For the average 40-year-old driver, Mazda 5 insurance rates go from the cheapest price of $446 for just liability insurance to a high of $2,086 for a policy for a high-risk driver.

Liability Only $446
Full Coverage $968
High Risk $2,086

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. Rural locations are shown to have more infrequent collision claims than cities with more traffic congestion.

The diagram below illustrates the difference location can make on auto insurance prices.

Rural Areas $726
Small Cities $1,016
Large Cities $1,307

The examples above demonstrate why it is important to compare rates 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.

More Rate Details

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

  • The cheapest rate after discounts is $578
  • Drivers who choose higher $1,000 deductibles will pay $870 annually
  • The average price for a good driver age 40 who chooses $500 deductibles is $968
  • Selecting low $100 deductibles for comprehensive and collision insurance costs an extra $188 annually
  • Drivers with serious driving violations could pay around $2,086 or more
  • Policy cost to insure a 16-year-old driver can cost $3,798 a year

View Chart as Image

Mazda 5 insurance cost comparison chart
Column chart showing full coverage Mazda 5 insurance prices range from $578 to $3,798

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

Choosing higher comprehensive and collision insurance deductibles could save up to $290 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $3,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,100 to $1,600 additional every year, depending on your age. A high-risk auto insurance policy can cost from 42% to 126% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Mazda 5 insurance prices. A 40-year-old driver could pay as low as $700 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,310 on average in New York, Michigan, and Florida.

Mazda 5 Insurance Rates by State
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%

View Chart as Image

Mazda 5 insurance rates by U.S. city

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from multiple companies. Every company calculates rates differently, and rates will be varied.

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 $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.

Mazda 5 Insurance Rates by Model Year
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 Shop for Cheap Mazda 5 Insurance

Finding cheaper rates on insurance for a Mazda 5 not only requires being a good driver, but also having above-average credit, not filing small claims, and qualifying for all possible discounts. Make time to compare rates every year by getting quotes from direct companies, and also from insurance agencies where you live.

The following list is a brief summary of the coverage data touched on in this article.

  • You may be able to save around $110 per year simply by quoting early and online
  • Increasing comprehensive and collision deductibles could save as much as $275 each year
  • Drivers age 16 to 20 are the costliest to insure, as much as $317 each month if full coverage is included
  • Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,120 more per year than a safer driver

Rates by Driver Age

Mazda 5 Insurance 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

Mazda 5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,156
$250 $1,070
$500 $968
$1,000 $870

Full coverage, driver age 40

Rates by Liability Limit

Mazda 5 Insurance Rates with Different Liability Limits
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

Mazda 5 Insurance 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.

SR-22 Surcharge $131

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
Rate after discounts $578

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

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