Mazda 5 Insurance Rates

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UPDATED: May 14, 2024

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Average auto insurance rates for a Mazda 5 are $968 annually for full coverage insurance. Comprehensive costs around $176 each year, collision insurance costs $254, and liability costs around $402. Buying just liability costs as low as $446 a year, and insurance for high-risk drivers costs around $2,086. 16-year-old drivers receive the highest rates at up to $3,798 a year.

Average premium for full coverage: $968

Rate estimates for individual coverage type:

Comprehensive $176
Collision $254
Liability $402

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

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as cheap as $446 for your basic liability-only policy to a high rate of $2,086 for a driver who has had serious violations or accidents.

Liability Only $446
Full Coverage $968
High Risk $2,086

Price Range by Location

Where you live can make a big difference on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than congested cities. The graphic below illustrates how your location can change auto insurance rates.

Rural Areas $726
Small Cities $1,016
Large Cities $1,307

These examples illustrate why all drivers should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on rate 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 average Mazda 5 insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $578
  • Using higher $1,000 deductibles will save about $98 each year
  • The estimated rate for a 40-year-old driver using $500 deductibles is $968
  • Buying low deductibles for physical damage coverage will cost $1,156
  • High-risk insureds with multiple tickets or accidents could pay at least $2,086
  • The cost with full coverage for a 16-year-old driver can be $3,798 or more

View Chart as Image

Mazda 5 insurance cost comparison chart
Column chart showing Mazda 5 insurance rates range from $578 to $3,798 for full coverage

Auto insurance rates for a Mazda 5 can also vary considerably based on the trim level of your 5, your risk profile, and deductibles and policy limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $900 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay as much as $3,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,100 to $1,600 in extra premium per year, depending on your age. Insurance for high-risk drivers can be from 42% to 126% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $290 annually, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $362 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Mazda 5 insurance prices. A driver around age 40 might see rates as low as $630 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,310 on average in Michigan, New York, and Florida.

Mazda 5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $876 -$92 -9.5%
Alaska $744 -$224 -23.1%
Arizona $804 -$164 -16.9%
Arkansas $968 -$0 0.0%
California $1,102 $134 13.8%
Colorado $924 -$44 -4.5%
Connecticut $994 $26 2.7%
Delaware $1,094 $126 13.0%
Florida $1,208 $240 24.8%
Georgia $896 -$72 -7.4%
Hawaii $694 -$274 -28.3%
Idaho $656 -$312 -32.2%
Illinois $722 -$246 -25.4%
Indiana $730 -$238 -24.6%
Iowa $652 -$316 -32.6%
Kansas $920 -$48 -5.0%
Kentucky $1,320 $352 36.4%
Louisiana $1,434 $466 48.1%
Maine $598 -$370 -38.2%
Maryland $800 -$168 -17.4%
Massachusetts $772 -$196 -20.2%
Michigan $1,680 $712 73.6%
Minnesota $812 -$156 -16.1%
Mississippi $1,160 $192 19.8%
Missouri $858 -$110 -11.4%
Montana $1,040 $72 7.4%
Nebraska $760 -$208 -21.5%
Nevada $1,162 $194 20.0%
New Hampshire $698 -$270 -27.9%
New Jersey $1,082 $114 11.8%
New Mexico $856 -$112 -11.6%
New York $1,020 $52 5.4%
North Carolina $558 -$410 -42.4%
North Dakota $794 -$174 -18.0%
Ohio $668 -$300 -31.0%
Oklahoma $992 $24 2.5%
Oregon $888 -$80 -8.3%
Pennsylvania $922 -$46 -4.8%
Rhode Island $1,290 $322 33.3%
South Carolina $878 -$90 -9.3%
South Dakota $816 -$152 -15.7%
Tennessee $846 -$122 -12.6%
Texas $1,166 $198 20.5%
Utah $716 -$252 -26.0%
Vermont $660 -$308 -31.8%
Virginia $580 -$388 -40.1%
Washington $746 -$222 -22.9%
West Virginia $888 -$80 -8.3%
Wisconsin $668 -$300 -31.0%
Wyoming $860 -$108 -11.2%

View Chart as Image

Mazda 5 insurance rates by U.S. city

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 $916 $76
Mazda 5 Touring Station Wagon $986 $82
Mazda 5 Grand Touring Station Wagon $1,010 $84

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 $180 $272 $394 $982
2014 Mazda 5 $176 $254 $402 $968
2013 Mazda 5 $164 $236 $402 $938
2012 Mazda 5 $158 $214 $406 $914
2010 Mazda 5 $140 $178 $402 $856

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 Low Cost Mazda 5 Insurance

Saving money on insurance for a Mazda 5 requires being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to shop around every other policy renewal by getting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below is a review of the ideas that were illustrated above.

  • Teenage drivers are expensive to insure, costing up to $317 per month if full coverage is included
  • Drivers considered higher risk who have several accidents or serious violations pay on average $1,120 more every year for auto insurance
  • Increasing deductibles could save up to $275 each year
  • It is possible to save up to $110 per year just by quoting online in advance

Rates by Driver Age

Mazda 5 Insurance Rates by Driver Age
Driver Age Premium
16 $3,798
20 $2,214
30 $992
40 $968
50 $888
60 $872

Full coverage, $500 deductibles

Rates by Deductible

Mazda 5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,156
$250 $1,070
$500 $968
$1,000 $870

Full coverage, driver age 40

Rates by Liability Limit

Mazda 5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $968
50/100 $1,090
100/300 $1,191
250/500 $1,452
100 CSL $1,131
300 CSL $1,352
500 CSL $1,513

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda 5 Insurance Rates for High Risk Drivers
Age Premium
16 $5,376
20 $3,526
30 $2,112
40 $2,086
50 $1,990
60 $1,972

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 $131

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $50
Multi-vehicle $52
Homeowner $16
5-yr Accident Free $62
5-yr Claim Free $61
Paid in Full/EFT $38
Advance Quote $44
Online Quote $67
Total Discounts $390
Rate after discounts $578

Discounts are estimated and may not be available from every company or in every state.

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