Mazda 5 Insurance Rates

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UPDATED: May 14, 2024

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Estimated insurance rates for a Mazda 5 are $938 a year for full coverage. Comprehensive insurance costs on average $164, collision costs $236, and liability is $402. A liability-only policy costs around $446 a year, with high-risk insurance costing $2,020 or more. Teens pay the most at $3,708 a year or more.

Average premium for full coverage: $938

Premium estimates by type of coverage:

Comprehensive $164
Collision $236
Liability $402

These estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for all 5 models.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Mazda 5 go from the low end price of $446 for basic liability insurance to the much higher price of $2,020 for a high-risk driver policy.

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

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than cities with more traffic congestion.

The example below illustrates how geographic area affects car insurance rates.

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

These rate differences show why everyone should compare rates quotes based on a specific location, 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.

Rate Comparisons

The chart below shows estimated Mazda 5 insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $563
  • Raising to $1,000 deductibles will save around $92 a year
  • The estimated price for a 40-year-old good driver with $500 deductibles is $938
  • Selecting pricier low deductibles will cost an additional $174 annually
  • Drivers with serious driving violations could pay upwards of $2,020 or more
  • An auto insurance policy that insures a 16-year-old driver for full coverage may cost $3,708

View Chart as Image

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

Auto insurance prices for a Mazda 5 also have a wide range based on the model of your 5, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $1,100 to $1,600 in extra premium annually, depending on your age. Mazda 5 insurance for high-risk drivers is expensive and can cost from 43% to 131% more than the average policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $3,700 a year. View Rates by Age

Where you choose to live also has a big influence on Mazda 5 insurance prices. A middle-age driver might find prices as low as $620 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,340 on average in Michigan, Louisiana, and New York.

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

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $270 annually, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know exactly what you will pay is to regularly compare prices from multiple companies. Every auto insurance company calculates prices differently, and quoted prices will be substantially different.

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 Find Cheap Mazda 5 Insurance

Finding better rates on insurance for a Mazda 5 consists of being a low-risk driver, maintaining a good credit score, not filing small claims, and taking advantage of discounts. Compare rates every time your policy renews by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.

The items below are a brief summary of the information presented in the illustrations above.

  • Drivers can save as much as $110 per year simply by quoting online well ahead of the renewal date
  • Teen drivers are charged the highest prices, as much as $309 per month if the policy includes full coverage
  • Increasing policy deductibles can save approximately $275 each year
  • Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,080 more each year to insure their 5
  • Insureds who require more liability coverage will pay approximately $440 each year to raise from 30/60 bodily injury limits to the 250/500 level

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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