Mazda 5 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The average auto insurance rates for a Mazda 5 are $938 annually including full coverage. Comprehensive costs on average $164, collision costs $236, and liability is estimated at $402. Liability-only insurance costs approximately $446 a year, with high-risk driver insurance costing around $2,020. Teen drivers cost the most to insure at $3,708 a year or more.

Average premium for full coverage: $938

Policy rates by type of insurance:

Comprehensive $164
Collision $236
Liability $402

Rates are based on $500 deductible amounts, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for all 5 models.

Price Range Variability

For the average 40-year-old driver, Mazda 5 insurance rates go from as cheap as $446 for your basic liability-only policy to the much higher price of $2,020 for a driver required to buy high-risk insurance.

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

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than larger metro areas.

The example below illustrates the difference location can make on car insurance rates.

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

The examples above highlight why everyone should get quotes based on a specific location and their own personal driving habits, instead of 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.

More Rate Information

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

  • The lowest rate with discounts is $563
  • Choosing higher $1,000 deductibles can save around $92 every year
  • The estimated rate for a good driver age 40 with $500 deductibles is $938
  • Choosing pricier low deductibles for comp and collision coverage will cost $1,112
  • Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,020 or more
  • Policy cost with full coverage for a teen driver for full coverage may cost $3,708 each year

View Chart as Image

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

Auto insurance rates for a Mazda 5 also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $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 have to pay upwards of $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 are likely paying at a minimum $1,100 to $1,600 in extra premium every year, depending on your age. Mazda 5 insurance for high-risk drivers ranges as much as 43% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $270 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Mazda 5 insurance prices. A good driver about age 40 could pay as low as $720 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,340 on average in Michigan, New York, and Louisiana.

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

Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, and quoted rates will be varied between companies.

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 Buy the Best Cheap Mazda 5 Insurance

Finding cheaper rates on car insurance takes having a good driving record, having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Make time to compare rates at every policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a quick review of the data touched on in this article.

  • Policyholders who require increased levels of liability coverage will pay about $440 per year to raise limits from a 30/60 limit to higher 250/500 limits
  • You may be able to save as much as $110 per year simply by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles could save up to $275 each year
  • Drivers age 20 and younger are charged the highest rates, with premiums being up to $309 each month if full coverage is included

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles