Mazda 5 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 14, 2024

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Average auto insurance rates for a Mazda 5 are $982 annually for full coverage insurance. Comprehensive insurance costs approximately $180, collision costs $272, and liability coverage costs $394. Buying just liability costs as little as $440 a year, with insurance for high-risk drivers costing $2,118 or more. Teens receive the highest rates at $3,842 a year or more.

Average premium for full coverage: $982

Rate estimates by individual coverage type:

Comprehensive $180
Collision $272
Liability $394

Prices are based on $500 deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for all 5 models.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from as cheap as $440 for liability-only coverage to the much higher price of $2,118 for a high-risk insurance policy.

Liability Only $440
Full Coverage $982
High Risk $2,118

Price Range by Location

Your location has a large influence on the price of auto insurance. Rural locations tend to have fewer physical damage claims than cities with more traffic congestion.

The example below illustrates how where you live affects auto insurance prices.

Rural Areas $737
Small Cities $1,031
Large Cities $1,326

These examples illustrate why everyone should compare rates using their specific location and their own personal driving habits, rather than using averaged prices.

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 Charts and Tables

The chart below illustrates estimated Mazda 5 insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $585
  • Drivers who choose higher $1,000 deductibles will pay $102 each year
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $982
  • Selecting pricier low deductibles for comprehensive and collision insurance costs an additional $200 each year
  • High-risk insureds with serious driving violations could pay around $2,118 or more
  • The cost with full coverage for a teenage driver for full coverage can cost $3,842 a year

View Chart as Image

Mazda 5 insurance cost comparison chart
Column chart showing full coverage Mazda 5 insurance prices range from $585 to $3,842

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

A more mature driver with a good driving record and high physical damage deductibles may only pay around $900 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $3,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,200 to $1,600 in extra premium per year, depending on your age. Mazda 5 insurance for high-risk drivers can cost around 42% to 136% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $310 a year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $354 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Mazda 5 insurance rates. A 40-year-old driver could pay as low as $640 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,330 on average in Florida, New York, and Michigan.

Mazda 5 Insurance Rates by State
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%

View Chart as Image

Mazda 5 insurance rates by U.S. city

With so much variability in rates, the only way to figure out who has the best car insurance rates is to regularly compare rates and see how they stack up. Every company calculates rates differently, and quoted rates can be significantly different between companies.

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 $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.

Mazda 5 Insurance Rates by Model Year
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 Buy Affordable Mazda 5 Insurance

Saving money on auto insurance not only requires not taking risks behind the wheel, but also having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Take the time to comparison shop at least every other year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following is a brief review of the car insurance concepts touched on in the above illustrations.

  • Drivers with DUI or reckless driving convictions could be forced to pay on average $1,140 more per year for 5 insurance
  • It is possible to save around $110 per year simply by quoting online well ahead of the renewal date
  • Increasing deductibles could save up to $300 each year
  • Consumers who purchase higher liability limits will pay approximately $430 annually to go from a minimum limit to higher 250/500 limits

Rates by Driver Age

Mazda 5 Insurance 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

Mazda 5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,182
$250 $1,090
$500 $982
$1,000 $880

Full coverage, driver age 40

Rates by Liability Limit

Mazda 5 Insurance Rates with Different Liability Limits
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

Mazda 5 Insurance 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.

SR-22 Surcharge $133

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
Rate after discounts $585

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

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