Mazda 6 Insurance Rates

U.S. average insurance rates for a Mazda 6 are $1,364 a year for full coverage insurance. Comprehensive costs approximately $274, collision insurance costs $502, and liability is $430. A policy with just liability insurance costs around $486 a year, and coverage for high-risk drivers costs around $2,956. Teenage drivers pay the highest rates at up to $5,156 a year.

Average premium for full coverage: $1,364

Price estimates by individual coverage:

Prices are based on $500 physical damage deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for different 6 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates how your location can change auto insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare rates quotes using their specific location, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below illustrates average Mazda 6 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $788
• Raising to $1,000 deductibles will save $176 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,364
• Using more expensive low deductibles bumps up the cost to $1,706
• Drivers who are prone to accidents and violations could pay around $2,956
• The price that insures a 16-year-old driver with full coverage can cost $5,156

View Chart as Image

Insurance prices for a Mazda 6 are also quite variable based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 131% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,100 a year. View Rates by Age

The state you live in also has a big influence on Mazda 6 insurance prices. A middle-age driver might find prices as low as $890 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,840 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $520 annually, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $387 more per year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

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.

How to Find Affordable Mazda 6 Insurance

Getting lower rates on insurance for a Mazda 6 consists of being a safe and courteous driver, having above-average credit, not filing small claims, and possibly raising deductibles. Compare prices at least every other year by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.

Below is a brief review of the car insurance concepts illustrated above.

• Drivers considered higher risk with DUI or reckless driving convictions could be charged and average of $1,590 more per year for auto insurance
• It is possible to save around $160 per year just by shopping early and online
• Increasing physical damage deductibles can save approximately $525 each year
• Insureds who purchase higher levels of liability will pay an extra $470 annually to raise from a low limit to the 250/500 level