Mazda 6 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Aug 23, 2022

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The average insurance rates for a Mazda 6 are $1,344 a year for full coverage insurance. Comprehensive insurance costs around $260 each year, collision insurance costs $484, and liability is estimated at $442. Buying just liability costs approximately $496 a year, and insurance for high-risk drivers costs $2,920 or more. Teen drivers cost the most to insure at up to $5,126 a year.

Average premium for full coverage: $1,344

Policy rates for type of insurance:

Comprehensive $260
Collision $484
Liability $442

Estimates include $500 deductible amounts, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and 6 models.

Price Range Variability

For a driver in their 40's, Mazda 6 insurance rates range from as low as $496 for the bare minimum liability coverage to a high rate of $2,920 for coverage for higher-risk drivers.

Liability Only $496
Full Coverage $1,344
High Risk $2,920

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than larger metro areas. The graphic below illustrates how location helps determine auto insurance rates.

Rural Areas $1,008
Small Cities $1,411
Large Cities $1,814

The examples above illustrate why all drivers should get quotes for a specific zip code and risk profile, instead of using price 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 Information

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

  • The lowest rate with discounts is $775
  • Choosing higher $1,000 deductibles can save about $168 each year
  • The average rate for a good driver age 40 using $500 deductibles is $1,344
  • Choosing low deductibles for comp and collision coverage will cost an extra $328 every year
  • Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,920
  • Policy cost for full coverage for a teen driver can be $5,126 each year

View Chart as Image

Mazda 6 insurance cost comparison chart
Column chart showing Mazda 6 insurance prices range from $775 to $5,126 for full coverage

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

More mature drivers with a clean driving record and high deductibles may 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 as much as $5,100 a year. View Rates by Age

Your home state plays a big part in determining prices for Mazda 6 insurance prices. A good driver about age 40 could pay as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,820 on average in Michigan, New York, and Florida.

Mazda 6 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,216 -$128 -9.5%
Alaska $1,032 -$312 -23.2%
Arizona $1,118 -$226 -16.8%
Arkansas $1,344 -$0 0.0%
California $1,532 $188 14.0%
Colorado $1,284 -$60 -4.5%
Connecticut $1,382 $38 2.8%
Delaware $1,522 $178 13.2%
Florida $1,682 $338 25.1%
Georgia $1,242 -$102 -7.6%
Hawaii $966 -$378 -28.1%
Idaho $910 -$434 -32.3%
Illinois $1,002 -$342 -25.4%
Indiana $1,014 -$330 -24.6%
Iowa $908 -$436 -32.4%
Kansas $1,278 -$66 -4.9%
Kentucky $1,834 $490 36.5%
Louisiana $1,992 $648 48.2%
Maine $828 -$516 -38.4%
Maryland $1,110 -$234 -17.4%
Massachusetts $1,078 -$266 -19.8%
Michigan $2,336 $992 73.8%
Minnesota $1,126 -$218 -16.2%
Mississippi $1,610 $266 19.8%
Missouri $1,192 -$152 -11.3%
Montana $1,444 $100 7.4%
Nebraska $1,060 -$284 -21.1%
Nevada $1,610 $266 19.8%
New Hampshire $968 -$376 -28.0%
New Jersey $1,504 $160 11.9%
New Mexico $1,190 -$154 -11.5%
New York $1,416 $72 5.4%
North Carolina $774 -$570 -42.4%
North Dakota $1,100 -$244 -18.2%
Ohio $928 -$416 -31.0%
Oklahoma $1,380 $36 2.7%
Oregon $1,232 -$112 -8.3%
Pennsylvania $1,284 -$60 -4.5%
Rhode Island $1,794 $450 33.5%
South Carolina $1,216 -$128 -9.5%
South Dakota $1,134 -$210 -15.6%
Tennessee $1,178 -$166 -12.4%
Texas $1,620 $276 20.5%
Utah $996 -$348 -25.9%
Vermont $920 -$424 -31.5%
Virginia $806 -$538 -40.0%
Washington $1,040 -$304 -22.6%
West Virginia $1,232 -$112 -8.3%
Wisconsin $932 -$412 -30.7%
Wyoming $1,198 -$146 -10.9%

View Chart as Image

Mazda 6 insurance rates by U.S. city

Choosing high deductibles can save as much as $500 every year, whereas increasing liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $398 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 at least $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 133% more than average. View High Risk Driver Rates

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 $1,242 $104
Mazda 6 I SV 4-Dr Sedan $1,242 $104
Mazda 6 I Touring 4-Dr Sedan $1,278 $107
Mazda 6 I Touring Plus 4-Dr Sedan $1,318 $110
Mazda 6 I Touring Plus 4-Dr Sedan $1,318 $110
Mazda 6 I Grand Touring 4-Dr Sedan $1,354 $113
Mazda 6 S Grand Touring 4-Dr Sedan $1,420 $118
Mazda 6 S Grand Touring 6 Cyl 4-Dr Sedan $1,420 $118
Mazda 6 S Touring Plus 6 Cyl 4-Dr Sedan $1,394 $116
Mazda 6 S Touring Plus 4-Dr Sedan $1,394 $116

Rates assume 2018 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
2018 Mazda 6 $260 $484 $442 $1,344
2016 Mazda 6 $240 $424 $456 $1,278
2015 Mazda 6 $230 $380 $460 $1,228
2009 Mazda 6 $170 $236 $474 $1,038
2008 Mazda 6 $160 $214 $474 $1,006
2006 Mazda 6 $152 $188 $460 $958
2005 Mazda 6 $150 $178 $452 $938
2004 Mazda 6 $138 $170 $446 $912
2003 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 Low Cost Mazda 6 Insurance

Finding cheaper rates on car insurance takes having a good driving record, maintaining good credit, being claim-free, and dropping full coverage on older vehicles. Invest time comparing rates at least once a year by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a review of the primary concepts that were covered in the charts and tables above.

  • It is possible to save up to $160 per year just by quoting online in advance
  • Higher risk drivers who have several accidents or serious violations may pay on average $1,580 more every year to buy Mazda 6 insurance
  • Increasing comprehensive and collision deductibles can save around $500 each year
  • Drivers age 20 and younger pay higher rates, possibly costing $427 each month for full coverage

Rates by Driver Age

Mazda 6 Insurance Rates by Driver Age
Driver Age Premium
16 $5,126
20 $3,114
30 $1,394
40 $1,344
50 $1,230
60 $1,206

Full coverage, $500 deductibles

Rates by Deductible

Mazda 6 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,672
$250 $1,518
$500 $1,344
$1,000 $1,176

Full coverage, driver age 40

Rates by Liability Limit

Mazda 6 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,344
50/100 $1,482
100/300 $1,593
250/500 $1,880
100 CSL $1,527
300 CSL $1,770
500 CSL $1,947

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda 6 Insurance Rates for High Risk Drivers
Age Premium
16 $7,300
20 $4,966
30 $2,976
40 $2,920
50 $2,790
60 $2,764

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 $189

Potential Rate Discounts

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

Discount Savings
Multi-policy $71
Multi-vehicle $72
Homeowner $21
5-yr Accident Free $97
5-yr Claim Free $87
Paid in Full/EFT $60
Advance Quote $66
Online Quote $95
Total Discounts $569
Rate after discounts $775

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

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