Mazda 5 Insurance Rates

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UPDATED: May 14, 2024

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The average insurance rates for a Mazda 5 are $938 a year for full coverage insurance. Comprehensive insurance costs on average $164, collision insurance costs $236, and liability coverage costs around $402. Buying just liability costs as low as $446 a year, and insurance for high-risk drivers costs $2,020 or more. Teenage drivers cost the most to insure at up to $3,708 a year.

Average premium for full coverage: $938

Policy rates by type of insurance:

Comprehensive $164
Collision $236
Liability $402

Full coverage includes $500 deductible amounts, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for different 5 trim levels.

Price Range Variability

Using a middle-aged driver as an example, Mazda 5 insurance rates range from the low end price of $446 for just liability coverage to a much higher rate 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

Where you live has a large influence on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates how where you live affects car insurance rates.

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

The examples above illustrate why anyone shopping for car insurance should compare prices based on a specific location, rather than using average rates.

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.

Detailed Rate Analysis

The chart below illustrates average Mazda 5 insurance rates for different risk profiles and scenarios.

  • The best discount rate is $563
  • Using higher $1,000 deductibles will save around $92 each year
  • The estimated price for a good driver age 40 with $500 deductibles is $938
  • Using more expensive low deductibles for physical damage coverage will cost an additional $174 each year
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,020
  • Policy cost that insures a teenage driver with full coverage may cost $3,708 or more

View Chart as Image

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

Insurance rates for a Mazda 5 also range considerably based on the model year and trim level, your age and driving record, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,100 to $1,600 extra every year, depending on your age. High-risk driver insurance can be around 43% to 131% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $3,700 a year. View Rates by Age

Your home state has a huge impact on Mazda 5 insurance rates. A driver around age 40 might see rates as low as $610 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,270 on average in Michigan, New York, 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

Using high physical damage deductibles could cut rates by as much as $270 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 more per year. View Rates by Deductible or Liability Limit

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 More Affordable Mazda 5 Insurance

Finding cheaper rates on auto insurance requires having a good driving record, having above-average credit, being claim-free, and determing if full coverage is necessary. Compare prices at every policy renewal by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The next list is a summary of the data touched on in the above illustrations.

  • Consumers who require increased levels of liability coverage will pay an extra $440 annually to increase from a 30/60 limit to the 250/500 level
  • It is possible to save as much as $110 per year just by shopping early and online
  • Increasing comprehensive and collision deductibles can save approximately $275 each year
  • Drivers age 20 and younger pay the highest rates, possibly costing $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.

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