Mazda 6 Insurance Rates

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UPDATED: May 8, 2024

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Average auto insurance rates for a Mazda 6 are $1,364 annually for full coverage insurance. Comprehensive insurance costs around $274, collision costs $502, and liability is estimated at $430. Liability-only coverage costs approximately $486 a year, with high-risk coverage costing $2,956 or more. 16-year-old drivers receive the highest rates at $5,156 a year or more.

Average premium for full coverage: $1,364

Rate estimates for individual coverage type:

Comprehensive $274
Collision $502
Liability $430

Rates are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for all 6 models.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as cheap as $486 for just liability coverage to the much higher price of $2,956 for a driver who has had serious violations or accidents.

Liability Only $486
Full Coverage $1,364
High Risk $2,956

Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than congested cities.

The example below illustrates how location helps determine auto insurance rates.

Rural Areas $1,023
Small Cities $1,432
Large Cities $1,841

These examples illustrate why everyone should get quotes for a specific zip code and their own personal driving habits, 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.

Detailed Rate Analysis

The chart below illustrates estimated Mazda 6 insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $788
  • Choosing higher $1,000 deductibles can save about $176 each year
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,364
  • Buying pricier low deductibles for comp and collision coverage costs an additional $342 every year
  • Unlucky drivers with multiple tickets or accidents could pay at least $2,956 or more
  • The cost with full coverage for a teen driver for full coverage can be $5,156 each year

View Chart as Image

Mazda 6 insurance cost comparison chart
Column chart showing full coverage Mazda 6 insurance prices range from $788 to $5,156

Car insurance rates for a Mazda 6 can also vary considerably based on the trim level of your 6, your risk profile, and deductibles and policy limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged as much as $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,600 to $2,200 extra per year, depending on your age. Mazda 6 insurance for high-risk drivers ranges as much as 43% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $520 every year, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $387 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Mazda 6 insurance prices. A good driver about age 40 could pay as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,840 on average in Michigan, New York, and Florida.

Mazda 6 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,234 -$130 -9.5%
Alaska $1,046 -$318 -23.3%
Arizona $1,132 -$232 -17.0%
Arkansas $1,364 -$0 0.0%
California $1,554 $190 13.9%
Colorado $1,304 -$60 -4.4%
Connecticut $1,404 $40 2.9%
Delaware $1,544 $180 13.2%
Florida $1,706 $342 25.1%
Georgia $1,260 -$104 -7.6%
Hawaii $978 -$386 -28.3%
Idaho $922 -$442 -32.4%
Illinois $1,016 -$348 -25.5%
Indiana $1,026 -$338 -24.8%
Iowa $920 -$444 -32.6%
Kansas $1,296 -$68 -5.0%
Kentucky $1,860 $496 36.4%
Louisiana $2,018 $654 47.9%
Maine $842 -$522 -38.3%
Maryland $1,124 -$240 -17.6%
Massachusetts $1,092 -$272 -19.9%
Michigan $2,370 $1,006 73.8%
Minnesota $1,142 -$222 -16.3%
Mississippi $1,632 $268 19.6%
Missouri $1,212 -$152 -11.1%
Montana $1,466 $102 7.5%
Nebraska $1,076 -$288 -21.1%
Nevada $1,634 $270 19.8%
New Hampshire $984 -$380 -27.9%
New Jersey $1,524 $160 11.7%
New Mexico $1,206 -$158 -11.6%
New York $1,436 $72 5.3%
North Carolina $786 -$578 -42.4%
North Dakota $1,116 -$248 -18.2%
Ohio $942 -$422 -30.9%
Oklahoma $1,400 $36 2.6%
Oregon $1,250 -$114 -8.4%
Pennsylvania $1,302 -$62 -4.5%
Rhode Island $1,820 $456 33.4%
South Carolina $1,234 -$130 -9.5%
South Dakota $1,152 -$212 -15.5%
Tennessee $1,196 -$168 -12.3%
Texas $1,644 $280 20.5%
Utah $1,010 -$354 -26.0%
Vermont $934 -$430 -31.5%
Virginia $816 -$548 -40.2%
Washington $1,056 -$308 -22.6%
West Virginia $1,250 -$114 -8.4%
Wisconsin $946 -$418 -30.6%
Wyoming $1,214 -$150 -11.0%

View Chart as Image

Mazda 6 insurance rates by U.S. city

With so much variability in rates, the only way to figure out your exact price is to regularly compare rates and see which company has the best rate. Each auto insurer utilizes a different rate formula, so rate quotes can be significantly different between companies.

Insurance Rates by Trim Level and Model Year

Mazda 6 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Mazda 6 I Sport 4-Dr Sedan $1,256 $105
Mazda 6 I SV 4-Dr Sedan $1,256 $105
Mazda 6 I Touring 4-Dr Sedan $1,296 $108
Mazda 6 I Touring Plus 4-Dr Sedan $1,336 $111
Mazda 6 I Touring Plus 4-Dr Sedan $1,336 $111
Mazda 6 I Grand Touring 4-Dr Sedan $1,376 $115
Mazda 6 S Grand Touring 4-Dr Sedan $1,444 $120
Mazda 6 S Grand Touring 6 Cyl 4-Dr Sedan $1,444 $120
Mazda 6 S Touring Plus 6 Cyl 4-Dr Sedan $1,416 $118
Mazda 6 S Touring Plus 4-Dr Sedan $1,416 $118

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.

Mazda 6 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2021 Mazda 6 $274 $502 $430 $1,364
2020 Mazda 6 $260 $484 $442 $1,344
2019 Mazda 6 $250 $450 $452 $1,310
2018 Mazda 6 $240 $424 $456 $1,278
2017 Mazda 6 $230 $380 $460 $1,228
2016 Mazda 6 $214 $350 $460 $1,182
2015 Mazda 6 $206 $328 $464 $1,156
2014 Mazda 6 $202 $306 $474 $1,140
2013 Mazda 6 $186 $284 $474 $1,102
2012 Mazda 6 $182 $258 $478 $1,076
2011 Mazda 6 $170 $236 $474 $1,038
2010 Mazda 6 $160 $214 $474 $1,006
2009 Mazda 6 $154 $192 $468 $972
2008 Mazda 6 $152 $188 $460 $958
2006 Mazda 6 $138 $170 $446 $912
2005 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 Buy the Best Cheap Mazda 6 Insurance

Saving money on car insurance takes being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates every other policy renewal by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a quick review of the ideas that were covered in the charts and tables above.

  • Teen drivers are the costliest to insure, costing up to $430 per month if comprehensive and collision insurance is included
  • Higher risk drivers with a DUI or reckless driving violation pay on average $1,590 more every year to insure their 6
  • Increasing deductibles could save up to $525 each year
  • It is possible to save up to $160 per year simply by quoting online well ahead of the renewal date

Rates by Driver Age

Mazda 6 Insurance Rates by Driver Age
Driver Age Premium
16 $5,156
20 $3,154
30 $1,418
40 $1,364
50 $1,248
60 $1,224

Full coverage, $500 deductibles

Rates by Deductible

Mazda 6 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,706
$250 $1,548
$500 $1,364
$1,000 $1,188

Full coverage, driver age 40

Rates by Liability Limit

Mazda 6 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,364
50/100 $1,502
100/300 $1,610
250/500 $1,889
100 CSL $1,545
300 CSL $1,782
500 CSL $1,954

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda 6 Insurance Rates for High Risk Drivers
Age Premium
16 $7,344
20 $5,024
30 $3,016
40 $2,956
50 $2,824
60 $2,798

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 $191

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $72
Multi-vehicle $72
Homeowner $21
5-yr Accident Free $99
5-yr Claim Free $88
Paid in Full/EFT $61
Advance Quote $67
Online Quote $96
Total Discounts $576
Rate after discounts $788

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

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