Mazda 5 Insurance Rates
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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
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Average insurance rates for a Mazda 5 are $938 a year including full coverage. Comprehensive costs approximately $164, collision costs $236, and liability costs $402. Buying just liability costs as little as $446 a year, with insurance for high-risk drivers costing around $2,020. Teens receive the highest rates at $3,708 a year or more.
Average premium for full coverage: $938
Rate estimates by individual coverage type:
Rates are based on $500 deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different 5 trim levels.
Price Range by Coverage and Risk
For the average driver, prices range go from the low end price of $446 for just liability insurance to a much higher rate of $2,020 for a driver who has had serious violations or accidents.
Price Range by Location
Your location can make a big difference on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.
The price range example below illustrates how location impacts auto insurance prices.
These examples highlight why anyone shopping for car insurance should compare rates using their 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.
More Rate Details
The chart below breaks down estimated Mazda 5 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $563
- Drivers who choose higher $1,000 deductibles will pay $92 every year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $938
- Selecting more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,112
- Drivers with serious driving violations could pay around $2,020 or more
- The cost that insures a 16-year-old driver with full coverage can cost $3,708 a year
Auto insurance rates for a Mazda 5 can also vary considerably based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,100 to $1,600 in extra premium per year, depending on your age. High-risk driver insurance can cost from 43% to 131% more than the average policy. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $900 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $3,700 a year. View Rates by Age
Where you live makes a big difference in Mazda 5 insurance prices. A 40-year-old driver could pay as low as $720 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,340 on average in Louisiana, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $270 annually, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to figure out who has the best auto insurance rates is to compare rates from multiple companies. Every company calculates rates differently, and quoted rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Best Cheap Mazda 5 Insurance
Saving money on insurance for a Mazda 5 not only requires not taking risks behind the wheel, but also maintaining a good credit score, not filing small claims, and not having any coverage lapses. Compare rates every other policy renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.
The following is a quick review of the ideas that were touched on above.
- Teens have the highest car insurance rates, as much as $309 per month if the policy includes full coverage
- Drivers considered higher risk with a DUI or reckless driving violation will likely pay on average $1,080 more per year for 5 insurance
- Increasing deductibles can save approximately $275 each year
- You may be able to save around $110 per year simply by shopping early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,112 |
| $250 | $1,032 |
| $500 | $938 |
| $1,000 | $846 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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