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 approximately $164 each year, collision costs $236, and liability insurance costs $402. A liability-only policy costs as little as $446 a year, with high-risk insurance costing $2,020 or more. 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

Estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and 5 models.

Price Range Variability

For an average driver, Mazda 5 insurance rates go from the low end price of $446 for your basic liability-only policy to a high rate of $2,020 for a driver that may need high-risk insurance.

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

Urban vs. Rural Price Range

Your location has a significant impact on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than larger metro areas.

The graphic below illustrates the effect of geographic area on auto insurance prices.

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

The examples above illustrate why all drivers should compare rates using their specific location, rather than relying on 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 illustrates estimated 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 each year
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $938
  • Choosing low deductibles for comprehensive and collision insurance will cost an additional $174 a year
  • High risk drivers with multiple violations and an at-fault accident could pay around $2,020 or more
  • Policy cost that insures a teen driver can cost $3,708 a year

View Chart as Image

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

Car insurance rates for a Mazda 5 also range considerably based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,100 to $1,600 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 131% more than average. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records 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 rates. A 40-year-old driver could pay as low as $610 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,270 on average in Florida, New York, and Michigan.

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 each year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison from as many companies as possible. Every company uses a different rate calculation, so rate quotes will be varied.

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 Low Cost Mazda 5 Insurance

Finding cheaper rates on Mazda 5 insurance not only requires being a low-risk driver, but also having a positive credit history, being claim-free, and avoiding coverage lapses. Shop around once a year by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The items below are a review of the data that was covered in the above illustrations.

  • It is possible to save around $110 per year simply by quoting online in advance
  • Drivers who purchase more liability coverage will pay about $440 annually to go from a 30/60 limit to the 250/500 level
  • Teen drivers pay the highest auto insurance rates, possibly costing $309 each month if full coverage is purchased
  • High-risk drivers who have several accidents or serious violations could be charged and average of $1,080 more per year to insure their 5

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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