Mazda 5 Insurance Rates

U.S. average auto insurance rates for a Mazda 5 are $882 annually for full coverage insurance. Comprehensive costs on average $148 each year, collision insurance costs $196, and liability costs around $402. A policy with just liability insurance costs as low as $446 a year, and coverage for high-risk drivers costs around $1,898. Teenage drivers pay the highest rates at up to $3,528 a year.

Average premium for full coverage: $882

Price estimates by individual coverage:

Prices include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and 5 models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on insurance rates. Rural areas have fewer physical damage claims than densely populated cities. The graphic below illustrates how rural and urban location affects car insurance rates.

The ranges above illustrate why all drivers should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below illustrates average Mazda 5 insurance rates for different risk profiles and scenarios.

• The best discount rate is $534
• Using higher $1,000 deductibles will save around $78 each year
• The estimated rate for the average middle-age driver with $500 deductibles is $882
• Using low deductibles for physical damage coverage will cost $1,030
• High-risk insureds who are prone to accidents and violations could pay upwards of $1,898
• The price with full coverage for a 16-year-old driver may cost $3,528 or more

View Chart as Image

Insurance prices for a Mazda 5 are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $800 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $3,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,000 to $1,500 extra each year, depending on your age. Insurance for high-risk drivers can be from 43% to 126% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $230 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Mazda 5 insurance prices. A driver around age 40 might see prices as low as $580 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,190 on average in Michigan, New York, and Florida.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2010 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 Buy the Right Mazda 5 Insurance

Getting lower rates on insurance for a Mazda 5 requires being a good driver, having a good credit history, not filing small claims, and determing if full coverage is necessary. Set aside time to shop around every year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a quick rundown of the coverage data raised in the charts and tables above.

• It is possible to save as much as $100 per year just by quoting online in advance
• Increasing physical damage deductibles could save up to $225 each year
• Drivers age 16 to 20 pay the highest prices, as much as $294 a month including comprehensive and collision insurance
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,020 more each year than a safer driver