Mazda 5 Insurance Rates
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UPDATED: May 14, 2024
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Estimated insurance rates for a Mazda 5 are $982 a year for full coverage insurance. Comprehensive insurance costs approximately $180, collision insurance costs $272, and liability coverage is estimated at $394. Liability-only coverage costs approximately $440 a year, and high-risk coverage costs $2,118 or more. Teenage drivers pay the most at up to $3,842 a year.
Average premium for full coverage: $982
Premium estimates by type of coverage:
Prices include $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for all 5 models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Mazda 5 range from the low end price of $440 for just liability insurance to the much higher price of $2,118 for a high-risk driver policy.
Insurance Price Range by Location
Living in a larger city has a large influence on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities. The example below illustrates the difference between rural and urban areas on auto insurance prices.
These rate differences illustrate why everyone should get quotes using their specific location, rather than using 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.
More Rate Details
The chart below illustrates average Mazda 5 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $585
- Choosing higher $1,000 deductibles can save $102 each year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $982
- Using pricier low deductibles for comp and collision coverage will cost an additional $200 each year
- Drivers who are prone to accidents and violations could pay around $2,118
- An auto insurance policy that insures a teenage driver for full coverage can cost $3,842 each year
Insurance prices for a Mazda 5 also have a wide range based on the model of your 5, your age and driving record, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you are probably paying anywhere from $1,200 to $1,600 extra annually, depending on your age. Mazda 5 insurance for high-risk drivers ranges around 42% to 136% more than a normal policy. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $3,800 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Mazda 5 insurance rates. A good driver about age 40 could pay as low as $640 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,330 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $888 | -$94 | -9.6% |
| Alaska | $754 | -$228 | -23.2% |
| Arizona | $816 | -$166 | -16.9% |
| Arkansas | $982 | -$0 | 0.0% |
| California | $1,122 | $140 | 14.3% |
| Colorado | $936 | -$46 | -4.7% |
| Connecticut | $1,010 | $28 | 2.9% |
| Delaware | $1,110 | $128 | 13.0% |
| Florida | $1,230 | $248 | 25.3% |
| Georgia | $908 | -$74 | -7.5% |
| Hawaii | $708 | -$274 | -27.9% |
| Idaho | $666 | -$316 | -32.2% |
| Illinois | $732 | -$250 | -25.5% |
| Indiana | $742 | -$240 | -24.4% |
| Iowa | $662 | -$320 | -32.6% |
| Kansas | $934 | -$48 | -4.9% |
| Kentucky | $1,340 | $358 | 36.5% |
| Louisiana | $1,456 | $474 | 48.3% |
| Maine | $608 | -$374 | -38.1% |
| Maryland | $812 | -$170 | -17.3% |
| Massachusetts | $784 | -$198 | -20.2% |
| Michigan | $1,708 | $726 | 73.9% |
| Minnesota | $824 | -$158 | -16.1% |
| Mississippi | $1,176 | $194 | 19.8% |
| Missouri | $872 | -$110 | -11.2% |
| Montana | $1,056 | $74 | 7.5% |
| Nebraska | $772 | -$210 | -21.4% |
| Nevada | $1,180 | $198 | 20.2% |
| New Hampshire | $708 | -$274 | -27.9% |
| New Jersey | $1,098 | $116 | 11.8% |
| New Mexico | $870 | -$112 | -11.4% |
| New York | $1,036 | $54 | 5.5% |
| North Carolina | $568 | -$414 | -42.2% |
| North Dakota | $808 | -$174 | -17.7% |
| Ohio | $676 | -$306 | -31.2% |
| Oklahoma | $1,008 | $26 | 2.6% |
| Oregon | $902 | -$80 | -8.1% |
| Pennsylvania | $936 | -$46 | -4.7% |
| Rhode Island | $1,310 | $328 | 33.4% |
| South Carolina | $894 | -$88 | -9.0% |
| South Dakota | $830 | -$152 | -15.5% |
| Tennessee | $860 | -$122 | -12.4% |
| Texas | $1,186 | $204 | 20.8% |
| Utah | $728 | -$254 | -25.9% |
| Vermont | $672 | -$310 | -31.6% |
| Virginia | $588 | -$394 | -40.1% |
| Washington | $758 | -$224 | -22.8% |
| West Virginia | $902 | -$80 | -8.1% |
| Wisconsin | $678 | -$304 | -31.0% |
| Wyoming | $874 | -$108 | -11.0% |
Using high physical damage deductibles can save as much as $310 a year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $354 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda 5 Sport Station Wagon | $928 | $77 |
| Mazda 5 Touring Station Wagon | $1,002 | $84 |
| Mazda 5 Grand Touring Station Wagon | $1,030 | $86 |
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 | $188 | $292 | $390 | $1,006 |
| 2014 Mazda 5 | $180 | $272 | $394 | $982 |
| 2013 Mazda 5 | $176 | $254 | $402 | $968 |
| 2012 Mazda 5 | $164 | $236 | $402 | $938 |
| 2010 Mazda 5 | $148 | $196 | $402 | $882 |
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 Right Mazda 5 Insurance
Finding better rates on auto insurance takes avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Compare prices every time your policy renews by requesting quotes from direct insurance companies, and also from your local car insurance providers.
The points below are a quick rundown of the information covered above.
- It is possible to save around $110 per year just by quoting online well ahead of the renewal date
- Drivers under the age of 20 are expensive to insure, with premiums being up to $320 per month if full coverage is included
- Increasing policy deductibles can save approximately $300 each year
- Drivers with reckless driving or DUI convictions could be charged and average of $1,140 more per year to insure a Mazda 5
- Consumers who purchase increased liability limits will pay an extra $430 annually to raise limits from 30/60 bodily injury limits to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,842 |
| 20 | $2,254 |
| 30 | $1,010 |
| 40 | $982 |
| 50 | $902 |
| 60 | $884 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,182 |
| $250 | $1,090 |
| $500 | $982 |
| $1,000 | $880 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $982 |
| 50/100 | $1,109 |
| 100/300 | $1,207 |
| 250/500 | $1,463 |
| 100 CSL | $1,148 |
| 300 CSL | $1,365 |
| 500 CSL | $1,523 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,438 |
| 20 | $3,588 |
| 30 | $2,148 |
| 40 | $2,118 |
| 50 | $2,024 |
| 60 | $2,004 |
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 | $51 |
| Multi-vehicle | $52 |
| Homeowner | $16 |
| 5-yr Accident Free | $64 |
| 5-yr Claim Free | $62 |
| Paid in Full/EFT | $39 |
| Advance Quote | $45 |
| Online Quote | $68 |
| Total Discounts | $397 |
Discounts are estimated and may not be available from every company or in every state.
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