Mazda 5 Insurance Rates
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UPDATED: Jan 6, 2020
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The average insurance prices for a Mazda 5 are $914 every 12 months for full coverage insurance. Comprehensive insurance costs on average $158, collision insurance costs $214, and liability costs $406. Liability-only coverage costs as little as $450 a year, and high-risk coverage costs $1,968 or more. 16-year-old drivers cost the most to insure at up to $3,634 a year.
Average premium for full coverage: $914
Policy rates by type of insurance:
Prices are based on $500 deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for all 5 models.
Price Range Variability
For a 40-year-old driver, Mazda 5 insurance rates range from the cheapest price of $450 for minimum levels of liability insurance to the much higher price of $1,968 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location can have significant affects on insurance rates. Rural areas are shown to have more infrequent physical damage claims than congested cities. The example below illustrates how your location can change car insurance rates.
The examples above illustrate why everyone should compare rates based on a specific location and their own driving history, instead of using 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.
Additional Rate Details
The chart below illustrates average Mazda 5 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $550
- Drivers who choose higher $1,000 deductibles will pay around $84 each year
- The average price for a good driver age 40 with $500 deductibles is $914
- Buying pricier low deductibles for comprehensive and collision insurance costs an extra $164 every year
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $1,968
- Policy cost to insure a teen driver for full coverage may cost $3,634 a year
Insurance rates for a Mazda 5 also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your 5.
Opting for high physical damage deductibles could save up to $250 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $366 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 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $3,600 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 probably paying at a minimum $1,100 to $1,500 additional every year, depending on your age. Mazda 5 insurance for high-risk drivers can cost as much as 41% to 133% more than the average rate. View High Risk Driver Rates
Your home state makes a big difference in Mazda 5 insurance prices. A 40-year-old driver could pay as low as $600 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,240 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $826 | -$88 | -9.6% |
| Alaska | $702 | -$212 | -23.2% |
| Arizona | $758 | -$156 | -17.1% |
| Arkansas | $914 | -$0 | 0.0% |
| California | $1,040 | $126 | 13.8% |
| Colorado | $872 | -$42 | -4.6% |
| Connecticut | $938 | $24 | 2.6% |
| Delaware | $1,034 | $120 | 13.1% |
| Florida | $1,142 | $228 | 24.9% |
| Georgia | $844 | -$70 | -7.7% |
| Hawaii | $658 | -$256 | -28.0% |
| Idaho | $620 | -$294 | -32.2% |
| Illinois | $680 | -$234 | -25.6% |
| Indiana | $690 | -$224 | -24.5% |
| Iowa | $616 | -$298 | -32.6% |
| Kansas | $868 | -$46 | -5.0% |
| Kentucky | $1,246 | $332 | 36.3% |
| Louisiana | $1,354 | $440 | 48.1% |
| Maine | $564 | -$350 | -38.3% |
| Maryland | $754 | -$160 | -17.5% |
| Massachusetts | $728 | -$186 | -20.4% |
| Michigan | $1,586 | $672 | 73.5% |
| Minnesota | $766 | -$148 | -16.2% |
| Mississippi | $1,096 | $182 | 19.9% |
| Missouri | $810 | -$104 | -11.4% |
| Montana | $980 | $66 | 7.2% |
| Nebraska | $722 | -$192 | -21.0% |
| Nevada | $1,096 | $182 | 19.9% |
| New Hampshire | $658 | -$256 | -28.0% |
| New Jersey | $1,024 | $110 | 12.0% |
| New Mexico | $808 | -$106 | -11.6% |
| New York | $964 | $50 | 5.5% |
| North Carolina | $528 | -$386 | -42.2% |
| North Dakota | $750 | -$164 | -17.9% |
| Ohio | $630 | -$284 | -31.1% |
| Oklahoma | $936 | $22 | 2.4% |
| Oregon | $838 | -$76 | -8.3% |
| Pennsylvania | $870 | -$44 | -4.8% |
| Rhode Island | $1,220 | $306 | 33.5% |
| South Carolina | $830 | -$84 | -9.2% |
| South Dakota | $772 | -$142 | -15.5% |
| Tennessee | $800 | -$114 | -12.5% |
| Texas | $1,102 | $188 | 20.6% |
| Utah | $676 | -$238 | -26.0% |
| Vermont | $624 | -$290 | -31.7% |
| Virginia | $548 | -$366 | -40.0% |
| Washington | $706 | -$208 | -22.8% |
| West Virginia | $838 | -$76 | -8.3% |
| Wisconsin | $630 | -$284 | -31.1% |
| Wyoming | $816 | -$98 | -10.7% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda 5 Sport Station Wagon | $872 | $73 |
| Mazda 5 Touring Station Wagon | $928 | $77 |
| Mazda 5 Grand Touring Station Wagon | $952 | $79 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2012 Mazda 5 | $176 | $254 | $402 | $968 |
| 2010 Mazda 5 | $158 | $214 | $406 | $914 |
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 Shop for Affordable Mazda 5 Insurance
Finding cheaper rates on car insurance not only requires not taking risks behind the wheel, but also having above-average credit, being claim-free, and dropping full coverage on older vehicles. Invest the time to shop around every year by getting quotes from direct insurance companies, and also from several local insurance agents.
The following is a brief review of the coverage data illustrated above.
- It is possible to save as much as $100 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save as much as $250 each year
- Teens pay higher rates, possibly costing $303 each month if full coverage is included
- Higher risk drivers with DUI or reckless driving convictions pay on average $1,050 more each year for 5 insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,634 |
| 20 | $2,088 |
| 30 | $934 |
| 40 | $914 |
| 50 | $840 |
| 60 | $824 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,078 |
| $250 | $1,004 |
| $500 | $914 |
| $1,000 | $830 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $914 |
| 50/100 | $1,033 |
| 100/300 | $1,135 |
| 250/500 | $1,399 |
| 100 CSL | $1,074 |
| 300 CSL | $1,297 |
| 500 CSL | $1,460 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,130 |
| 20 | $3,326 |
| 30 | $1,988 |
| 40 | $1,968 |
| 50 | $1,880 |
| 60 | $1,860 |
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 | $47 |
| Multi-vehicle | $49 |
| Homeowner | $16 |
| 5-yr Accident Free | $57 |
| 5-yr Claim Free | $58 |
| Paid in Full/EFT | $34 |
| Advance Quote | $41 |
| Online Quote | $62 |
| Total Discounts | $364 |
Discounts are estimated and may not be available from every company or in every state.
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