Mazda 6 Insurance Rates

The average insurance prices for a Mazda 6 are $1,364 every 12 months for full coverage insurance. Comprehensive insurance costs around $274, collision costs $502, and liability is $430. Liability-only insurance costs around $486 a year, with high-risk driver insurance costing $2,956 or more. Teen drivers cost the most to insure at $5,156 a year or more.

Average premium for full coverage: $1,364

Policy rates for type of insurance:

These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for different 6 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than larger metro areas.

The price range example below illustrates the effect of geographic area on auto insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $788
• Raising to $1,000 deductibles will save about $176 each year
• The average price for a good driver age 40 using $500 deductibles is $1,364
• Choosing more expensive low deductibles costs an extra $342 annually
• Drivers with multiple violations and an at-fault accident could pay at least $2,956 or more
• Policy cost to insure a 16-year-old driver with full coverage can be $5,156

View Chart as Image

Auto insurance rates for a Mazda 6 also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Choosing high deductibles can reduce rates by up to $520 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $387 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay as much as $5,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,600 to $2,200 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 131% more than average. View High Risk Driver Rates

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

View Chart as Image

Because rates have so much variability, the only way to figure out your exact price is to compare rates from multiple companies. Every auto insurance company uses a different rate calculation, 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 Shop for Cheap Mazda 6 Insurance

Finding cheaper rates on insurance for a Mazda 6 consists of avoiding accidents and violations, having a good credit score, being claim-free, and maximizing policy discounts. Take the time to compare rates at least every other year by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.

The list below is a brief summary of the car insurance concepts covered in the above illustrations.

• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,590 more every year for car insurance
• It is possible to save up to $160 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Insureds who may need higher liability limits will pay about $470 annually to raise from a 30/60 limit to a 250/500 level