Mazda 6 Insurance Rates
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UPDATED: May 8, 2024
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The average insurance rates for a Mazda 6 are $1,382 a year for full coverage insurance. Comprehensive costs approximately $284, collision insurance costs $524, and liability insurance is estimated at $416. Buying just liability costs approximately $474 a year, and insurance for high-risk drivers costs around $2,996. 16-year-old drivers cost the most to insure at up to $5,192 a year.
Average premium for full coverage: $1,382
Policy rates by type of insurance:
Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different 6 trim levels.
Price Range Variability
For a driver around age 40, Mazda 6 insurance rates range from as low as $474 for minimum levels of liability insurance to a much higher rate of $2,996 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than congested cities. The price range example below illustrates the difference between rural and urban areas on auto insurance prices.
The examples above illustrate why anyone shopping for car insurance should get quotes using their specific location and risk profile, rather than relying 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.
Additional Rate Details
The chart below illustrates average Mazda 6 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $795
- Choosing higher $1,000 deductibles can save $184 each year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,382
- Buying more expensive low deductibles for comp and collision coverage will increase the cost to $1,738
- High-risk insureds with multiple tickets or accidents could pay around $2,996
- Policy cost for full coverage for a teen driver with full coverage can cost $5,192 each year
Insurance rates for a Mazda 6 also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.
An older driver with a clean driving record and high deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $5,100 a year. View Rates by Age
Your home state plays a big part in determining prices for Mazda 6 insurance rates. A good driver about age 40 could pay as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,870 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,250 | -$132 | -9.6% |
| Alaska | $1,062 | -$320 | -23.2% |
| Arizona | $1,148 | -$234 | -16.9% |
| Arkansas | $1,382 | -$0 | 0.0% |
| California | $1,574 | $192 | 13.9% |
| Colorado | $1,322 | -$60 | -4.3% |
| Connecticut | $1,422 | $40 | 2.9% |
| Delaware | $1,564 | $182 | 13.2% |
| Florida | $1,730 | $348 | 25.2% |
| Georgia | $1,276 | -$106 | -7.7% |
| Hawaii | $992 | -$390 | -28.2% |
| Idaho | $934 | -$448 | -32.4% |
| Illinois | $1,030 | -$352 | -25.5% |
| Indiana | $1,040 | -$342 | -24.7% |
| Iowa | $934 | -$448 | -32.4% |
| Kansas | $1,316 | -$66 | -4.8% |
| Kentucky | $1,886 | $504 | 36.5% |
| Louisiana | $2,046 | $664 | 48.0% |
| Maine | $852 | -$530 | -38.4% |
| Maryland | $1,140 | -$242 | -17.5% |
| Massachusetts | $1,106 | -$276 | -20.0% |
| Michigan | $2,402 | $1,020 | 73.8% |
| Minnesota | $1,156 | -$226 | -16.4% |
| Mississippi | $1,656 | $274 | 19.8% |
| Missouri | $1,226 | -$156 | -11.3% |
| Montana | $1,486 | $104 | 7.5% |
| Nebraska | $1,090 | -$292 | -21.1% |
| Nevada | $1,656 | $274 | 19.8% |
| New Hampshire | $996 | -$386 | -27.9% |
| New Jersey | $1,544 | $162 | 11.7% |
| New Mexico | $1,224 | -$158 | -11.4% |
| New York | $1,458 | $76 | 5.5% |
| North Carolina | $798 | -$584 | -42.3% |
| North Dakota | $1,130 | -$252 | -18.2% |
| Ohio | $956 | -$426 | -30.8% |
| Oklahoma | $1,420 | $38 | 2.7% |
| Oregon | $1,266 | -$116 | -8.4% |
| Pennsylvania | $1,318 | -$64 | -4.6% |
| Rhode Island | $1,842 | $460 | 33.3% |
| South Carolina | $1,252 | -$130 | -9.4% |
| South Dakota | $1,168 | -$214 | -15.5% |
| Tennessee | $1,210 | -$172 | -12.4% |
| Texas | $1,666 | $284 | 20.5% |
| Utah | $1,024 | -$358 | -25.9% |
| Vermont | $946 | -$436 | -31.5% |
| Virginia | $828 | -$554 | -40.1% |
| Washington | $1,070 | -$312 | -22.6% |
| West Virginia | $1,266 | -$116 | -8.4% |
| Wisconsin | $956 | -$426 | -30.8% |
| Wyoming | $1,232 | -$150 | -10.9% |
Opting for high physical damage deductibles can save as much as $540 each year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $375 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,300 extra every year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 129% more than the average rate. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda 6 I Sport 4-Dr Sedan | $1,270 | $106 |
| Mazda 6 I SV 4-Dr Sedan | $1,270 | $106 |
| Mazda 6 I Touring 4-Dr Sedan | $1,312 | $109 |
| Mazda 6 I Touring Plus 4-Dr Sedan | $1,352 | $113 |
| Mazda 6 I Touring Plus 4-Dr Sedan | $1,352 | $113 |
| Mazda 6 I Grand Touring 4-Dr Sedan | $1,394 | $116 |
| Mazda 6 S Grand Touring 4-Dr Sedan | $1,464 | $122 |
| Mazda 6 S Grand Touring 6 Cyl 4-Dr Sedan | $1,464 | $122 |
| Mazda 6 S Touring Plus 6 Cyl 4-Dr Sedan | $1,434 | $120 |
| Mazda 6 S Touring Plus 4-Dr Sedan | $1,434 | $120 |
Rates assume 2021 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 |
|---|---|---|---|---|
| 2021 Mazda 6 | $284 | $524 | $416 | $1,382 |
| 2020 Mazda 6 | $274 | $502 | $430 | $1,364 |
| 2019 Mazda 6 | $260 | $484 | $442 | $1,344 |
| 2018 Mazda 6 | $250 | $450 | $452 | $1,310 |
| 2017 Mazda 6 | $240 | $424 | $456 | $1,278 |
| 2016 Mazda 6 | $230 | $380 | $460 | $1,228 |
| 2015 Mazda 6 | $214 | $350 | $460 | $1,182 |
| 2014 Mazda 6 | $206 | $328 | $464 | $1,156 |
| 2013 Mazda 6 | $202 | $306 | $474 | $1,140 |
| 2012 Mazda 6 | $186 | $284 | $474 | $1,102 |
| 2011 Mazda 6 | $182 | $258 | $478 | $1,076 |
| 2010 Mazda 6 | $170 | $236 | $474 | $1,038 |
| 2009 Mazda 6 | $160 | $214 | $474 | $1,006 |
| 2008 Mazda 6 | $154 | $192 | $468 | $972 |
| 2006 Mazda 6 | $150 | $178 | $452 | $938 |
| 2005 Mazda 6 | $138 | $170 | $446 | $912 |
| 2004 Mazda 6 | $132 | $162 | $442 | $894 |
Rates are averaged for all Mazda 6 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 Best Cheap Mazda 6 Insurance
Finding cheaper rates on Mazda 6 insurance takes having a decent driving record, maintaining good credit, being claim-free, and possibly raising deductibles. Set aside time to compare rates at every other renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following items are a quick review of the concepts that were covered above.
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,610 more per year than a driver with a clean driving record
- 16 to 18-year-old drivers are expensive to insure, possibly costing $433 each month for full coverage
- It is possible to save around $170 per year just by shopping early and online
- Increasing comprehensive and collision deductibles can save around $550 each year
- It is possible to save around $170 per year just by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,192 |
| 20 | $3,198 |
| 30 | $1,440 |
| 40 | $1,382 |
| 50 | $1,264 |
| 60 | $1,240 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,738 |
| $250 | $1,574 |
| $500 | $1,382 |
| $1,000 | $1,198 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,382 |
| 50/100 | $1,517 |
| 100/300 | $1,621 |
| 250/500 | $1,892 |
| 100 CSL | $1,559 |
| 300 CSL | $1,788 |
| 500 CSL | $1,954 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,402 |
| 20 | $5,090 |
| 30 | $3,060 |
| 40 | $2,996 |
| 50 | $2,860 |
| 60 | $2,834 |
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 | $73 |
| Multi-vehicle | $73 |
| Homeowner | $21 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $63 |
| Advance Quote | $68 |
| Online Quote | $98 |
| Total Discounts | $587 |
Discounts are estimated and may not be available from every company or in every state.
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