Mazda 6 Insurance Rates

The average insurance rates for a Mazda 6 are $1,344 a year with full coverage. Comprehensive costs around $260 a year, collision costs $484, and liability insurance costs around $442. Liability-only insurance costs as low as $496 a year, with high-risk driver insurance costing around $2,920. Teens cost the most to insure at $5,126 a year or more.

Average premium for full coverage: $1,344

Policy rates for type of insurance:

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and 6 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects auto insurance rates.

The examples above demonstrate why it is important to compare prices for a specific zip code, rather than relying on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $775
• Using higher $1,000 deductibles will save about $1,176 annually
• The estimated price for a good driver age 40 using $500 deductibles is $1,344
• Selecting low $100 deductibles for physical damage coverage bumps up the cost to $1,672
• Drivers with serious driving violations could pay at least $2,920 or more
• Policy cost that insures a teen driver can be $5,126 or more

View Chart as Image

Auto insurance rates for a Mazda 6 also range considerably based on the trim level of your 6, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,600 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 133% more than the average policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $5,100 a year. View Rates by Age

Your home state has a huge impact on Mazda 6 insurance rates. A driver around age 40 might see rates as low as $970 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,820 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $500 each year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out your exact price is to get quotes from as many companies as possible. Each insurance company calculates rates differently, and quoted rates will be varied.

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

Finding cheaper rates on Mazda 6 insurance requires avoiding accidents and claims, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Compare rates at least every other year by requesting rates from direct companies, and also from your local independent and exclusive agents.

The points below are a brief review of the car insurance concepts raised in the charts and tables above.

• High-risk drivers with DUI or reckless driving convictions may pay on average $1,580 more every year to insure a Mazda 6
• You may be able to save up to $160 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $500 each year
• Drivers who may need increased liability limits will pay approximately $490 every year to increase from a 30/60 limit to the 250/500 level