Mazda 5 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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
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 for full coverage. Comprehensive costs an estimated $164, collision insurance costs $236, and liability is $402. A liability-only policy costs around $446 a year, and high-risk insurance costs around $2,020. Teenage drivers cost the most to insure at up to $3,708 a year.
Average premium for full coverage: $938
Policy rates broken down by type of insurance:
Prices are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and for different 5 trim levels.
Price Range Variability
For a driver in their 40's, Mazda 5 insurance rates range from as cheap as $446 for a discount liability-only rate to a much higher rate of $2,020 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on insurance rates. More rural locations are shown to have fewer accident claims than densely populated cities. The price range example below illustrates how location helps determine insurance prices.
The examples above show why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on 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.
Rates by State, City, and Model
The chart below shows average Mazda 5 insurance rates for other coverage scenarios.
- The best discount rate is $563
- Raising to $1,000 deductibles will save approximately $92 a year
- The estimated rate for a good driver age 40 who has $500 deductibles is $938
- Using more expensive low deductibles will cost $1,112
- Drivers who are prone to accidents and violations could pay up to $2,020
- Policy cost with full coverage for a 16-year-old driver with full coverage can cost as much as $3,708
Car insurance rates for a Mazda 5 also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.
An older driver with no driving violations and high physical damage deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged at least $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 could be paying $1,100 to $1,600 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 131% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $270 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Mazda 5 insurance prices. A middle-age driver might find rates as low as $620 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,340 on average in New York, Louisiana, 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% |
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 Buy Affordable Mazda 5 Insurance
Finding cheaper rates on insurance for a Mazda 5 consists of avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Invest time comparing rates once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The list below is a brief review of the data that was covered in the charts and tables above.
- Drivers can save approximately $110 per year just by shopping early and online
- Insureds who want higher liability limits will pay an extra $440 each year to raise from a 30/60 limit to higher 250/500 limits
- Teenagers have the highest car insurance rates, costing up to $309 each month if comprehensive and collision insurance is included
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,080 more annually for car insurance
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
