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 with full coverage. Comprehensive costs approximately $164 each year, collision insurance costs $236, and liability costs $402. A liability-only policy costs as little as $446 a year, and high-risk insurance costs around $2,020. Teen 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

Prices include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and 5 models.

Price Range Variability

For a 40-year-old driver, Mazda 5 insurance rates range from as low as $446 for the bare minimum liability coverage to a high rate of $2,020 for coverage for higher-risk drivers.

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

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than larger metro areas. The graphic below illustrates how your location can change auto insurance prices.

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

The examples above demonstrate why all drivers should compare rates using their specific location and risk profile, 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.

Additional Rate Information

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

  • The lowest rate with discounts is $563
  • Drivers who choose higher $1,000 deductibles will pay $92 annually
  • The average rate for a good driver age 40 who chooses $500 deductibles is $938
  • Choosing low deductibles for comprehensive and collision insurance will increase the cost to $1,112
  • Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,020
  • Policy cost for full coverage for a teen driver can cost $3,708 a year

View Chart as Image

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

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.

More mature drivers with no driving violations and high deductibles may pay as little as $900 per year 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 makes a big difference in Mazda 5 insurance prices. A 40-year-old driver could pay as low as $680 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,270 on average in New York, Michigan, 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

Choosing high deductibles could save up to $270 every year, whereas increasing 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. Insurance for high-risk drivers can cost as much as 43% to 131% more than average. View High Risk Driver Rates

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 the Right Mazda 5 Insurance

Finding cheaper rates on car insurance not only requires being a low-risk driver, but also having above-average credit, not filing small claims, and attention to physical damage deductibles. Invest the time to shop around at least once a year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a quick rundown of the primary concepts that were illustrated above.

  • You may be able to save around $110 per year just by quoting online in advance
  • Higher risk drivers with reckless driving or DUI convictions pay on average $1,080 more per year to insure their 5
  • Increasing comprehensive and collision deductibles can save around $275 each year
  • Teen drivers pay the highest auto insurance rates, as much as $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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