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 including full coverage. Comprehensive insurance costs around $164 each year, collision insurance costs $236, and liability insurance costs around $402. Liability-only coverage costs as low as $446 a year, and high-risk coverage costs $2,020 or more. Teen drivers cost the most to insure at up to $3,708 a year.

Average premium for full coverage: $938

Policy rates for type of insurance:

Comprehensive $164
Collision $236
Liability $402

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and 5 models.

Price Range Variability

For the average driver, Mazda 5 insurance rates range from as low as $446 for your basic liability-only policy to a high rate of $2,020 for a high-risk insurance policy.

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

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than larger metro areas. The graphic below illustrates how location impacts auto insurance rates.

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

The examples above highlight why all drivers should compare prices for a specific zip code and risk profile, 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 breaks down average Mazda 5 insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $563
  • Using higher $1,000 deductibles will save about $92 every year
  • The average rate for a good driver age 40 using $500 deductibles is $938
  • Choosing low deductibles for physical damage coverage will cost an extra $174 a year
  • Drivers with multiple violations and an at-fault accident could pay at least $2,020
  • Policy cost for full coverage for a teen driver can be $3,708 or more

View Chart as Image

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

Insurance rates for a Mazda 5 also range considerably based on your risk profile, the model of your 5, and deductibles and policy limits.

More mature drivers with no violations or accidents and high deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $3,700 a year. View Rates by Age

Your home state has a huge impact on Mazda 5 insurance rates. A driver around age 40 might see rates as low as $720 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,340 on average in Michigan, New York, and Louisiana.

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 cut rates by as much as $270 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,100 to $1,600 additional every year, depending on your age. Insurance for high-risk drivers can be anywhere from 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 Affordable Mazda 5 Insurance

Finding cheaper rates on Mazda 5 insurance requires being safe and accident-free, having a good credit history, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Spend time shopping around at least every other year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a brief review of the car insurance concepts touched on above.

  • High-risk drivers with DUI or reckless driving convictions pay on average $1,080 more every year than a low-risk driver
  • You may be able to save up to $110 per year just by quoting online in advance
  • Increasing comprehensive and collision deductibles can save around $275 each year
  • Drivers who may need more liability protection will pay about $440 per year to increase from a 30/60 limit to 250/500 limits

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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