Mazda 5 Insurance Rates

The average insurance prices for a Mazda 5 are $938 every 12 months including full coverage. Comprehensive insurance costs an estimated $164, collision costs $236, and liability is $402. Liability-only coverage costs around $446 a year, with high-risk coverage costing $2,020 or more. 16-year-old drivers cost the most to insure at $3,708 a year or more.

Average premium for full coverage: $938

Policy rates broken down by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for all 5 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than congested cities.

The example below illustrates how your location can change insurance prices.

The examples above highlight why everyone should compare rates quotes for a targeted area and their own driving history, instead of using rate averages.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below breaks down estimated Mazda 5 insurance rates for other coverage scenarios.

• The best full coverage rate is $563
• Raising to $1,000 deductibles will save approximately $92 every year
• The average price for a good driver age 40 who has $500 deductibles is $938
• Buying pricier low deductibles costs an extra $174 every year
• At-risk drivers with multiple tickets or accidents could pay up to $2,020 or more
• Policy cost to insure a teen driver for full coverage can cost as much as $3,708

View Chart as Image

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

Opting for high physical damage deductibles can reduce rates by up to $270 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $3,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,100 to $1,600 additional every year, depending on your age. Mazda 5 insurance for high-risk drivers is expensive and can cost as much as 43% to 131% more than the average rate. View High Risk Driver Rates

Your home state also has a big influence on Mazda 5 insurance prices. A middle-age driver might find rates as low as $720 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,340 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Every auto insurance company utilizes a different rate formula, and rates will be varied.

Insurance Rates by Trim Level and Model Year

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.

How to Shop for Affordable Mazda 5 Insurance

Finding cheaper rates on car insurance consists of having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to shop around at every policy renewal by requesting quotes from direct car insurance companies, and also from local insurance agencies.

The following items are a brief review of the data illustrated above.

• Policyholders who want additional liability coverage will pay around $440 per year to raise from a 30/60 limit to a 250/500 level
• You may be able to save approximately $110 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $275 each year
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $309 each month if full coverage is included