Mazda 6 Insurance Rates
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UPDATED: May 8, 2024
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Average insurance rates for a Mazda 6 are $1,382 a year for full coverage. Comprehensive insurance costs an estimated $284 each year, collision costs $524, and liability is $416. Buying just liability costs around $474 a year, with insurance for high-risk drivers costing $2,996 or more. Teenage drivers receive the highest rates at $5,192 a year or more.
Average premium for full coverage: $1,382
Rate estimates broken down by individual coverage type:
Includes $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and 6 models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as low as $474 for basic liability insurance to a high rate of $2,996 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on insurance rates. More rural locations tend to have a lower frequency of accident claims than densely populated cities.
The graphic below illustrates the difference location can make on insurance prices.
These examples show why all drivers should compare rates quotes for a targeted area and risk profile, instead of using average rates.
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.
Rate Comparisons
The chart below shows estimated Mazda 6 insurance rates for other coverage scenarios.
- The best discount rate is $795
- Raising to $1,000 deductibles will save approximately $184 a year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,382
- Using low deductibles will cost an extra $356 every year
- At-risk drivers who are prone to accidents and violations could pay up to $2,996 or more
- The cost for full coverage for a teen driver can cost as much as $5,192
Auto insurance rates for a Mazda 6 can also vary considerably based on your driver profile, the trim level of your 6, and liability limits and deductibles.
More mature drivers with a good driving record and high deductibles may pay as little as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay at least $5,100 a year. View Rates by Age
Where you live also has a big influence on Mazda 6 insurance prices. A middle-age driver might find rates as low as $910 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,970 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,250 | -$132 | -9.6% |
| Alaska | $1,062 | -$320 | -23.2% |
| Arizona | $1,148 | -$234 | -16.9% |
| Arkansas | $1,382 | -$0 | 0.0% |
| California | $1,574 | $192 | 13.9% |
| Colorado | $1,322 | -$60 | -4.3% |
| Connecticut | $1,422 | $40 | 2.9% |
| Delaware | $1,564 | $182 | 13.2% |
| Florida | $1,730 | $348 | 25.2% |
| Georgia | $1,276 | -$106 | -7.7% |
| Hawaii | $992 | -$390 | -28.2% |
| Idaho | $934 | -$448 | -32.4% |
| Illinois | $1,030 | -$352 | -25.5% |
| Indiana | $1,040 | -$342 | -24.7% |
| Iowa | $934 | -$448 | -32.4% |
| Kansas | $1,316 | -$66 | -4.8% |
| Kentucky | $1,886 | $504 | 36.5% |
| Louisiana | $2,046 | $664 | 48.0% |
| Maine | $852 | -$530 | -38.4% |
| Maryland | $1,140 | -$242 | -17.5% |
| Massachusetts | $1,106 | -$276 | -20.0% |
| Michigan | $2,402 | $1,020 | 73.8% |
| Minnesota | $1,156 | -$226 | -16.4% |
| Mississippi | $1,656 | $274 | 19.8% |
| Missouri | $1,226 | -$156 | -11.3% |
| Montana | $1,486 | $104 | 7.5% |
| Nebraska | $1,090 | -$292 | -21.1% |
| Nevada | $1,656 | $274 | 19.8% |
| New Hampshire | $996 | -$386 | -27.9% |
| New Jersey | $1,544 | $162 | 11.7% |
| New Mexico | $1,224 | -$158 | -11.4% |
| New York | $1,458 | $76 | 5.5% |
| North Carolina | $798 | -$584 | -42.3% |
| North Dakota | $1,130 | -$252 | -18.2% |
| Ohio | $956 | -$426 | -30.8% |
| Oklahoma | $1,420 | $38 | 2.7% |
| Oregon | $1,266 | -$116 | -8.4% |
| Pennsylvania | $1,318 | -$64 | -4.6% |
| Rhode Island | $1,842 | $460 | 33.3% |
| South Carolina | $1,252 | -$130 | -9.4% |
| South Dakota | $1,168 | -$214 | -15.5% |
| Tennessee | $1,210 | -$172 | -12.4% |
| Texas | $1,666 | $284 | 20.5% |
| Utah | $1,024 | -$358 | -25.9% |
| Vermont | $946 | -$436 | -31.5% |
| Virginia | $828 | -$554 | -40.1% |
| Washington | $1,070 | -$312 | -22.6% |
| West Virginia | $1,266 | -$116 | -8.4% |
| Wisconsin | $956 | -$426 | -30.8% |
| Wyoming | $1,232 | -$150 | -10.9% |
Using high physical damage deductibles can reduce rates by up to $540 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $375 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying $1,600 to $2,300 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 129% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the only way to know which company is cheapest is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda 6 I Sport 4-Dr Sedan | $1,270 | $106 |
| Mazda 6 I SV 4-Dr Sedan | $1,270 | $106 |
| Mazda 6 I Touring 4-Dr Sedan | $1,312 | $109 |
| Mazda 6 I Touring Plus 4-Dr Sedan | $1,352 | $113 |
| Mazda 6 I Touring Plus 4-Dr Sedan | $1,352 | $113 |
| Mazda 6 I Grand Touring 4-Dr Sedan | $1,394 | $116 |
| Mazda 6 S Grand Touring 4-Dr Sedan | $1,464 | $122 |
| Mazda 6 S Grand Touring 6 Cyl 4-Dr Sedan | $1,464 | $122 |
| Mazda 6 S Touring Plus 6 Cyl 4-Dr Sedan | $1,434 | $120 |
| Mazda 6 S Touring Plus 4-Dr Sedan | $1,434 | $120 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2021 Mazda 6 | $284 | $524 | $416 | $1,382 |
| 2020 Mazda 6 | $274 | $502 | $430 | $1,364 |
| 2019 Mazda 6 | $260 | $484 | $442 | $1,344 |
| 2018 Mazda 6 | $250 | $450 | $452 | $1,310 |
| 2017 Mazda 6 | $240 | $424 | $456 | $1,278 |
| 2016 Mazda 6 | $230 | $380 | $460 | $1,228 |
| 2015 Mazda 6 | $214 | $350 | $460 | $1,182 |
| 2014 Mazda 6 | $206 | $328 | $464 | $1,156 |
| 2013 Mazda 6 | $202 | $306 | $474 | $1,140 |
| 2012 Mazda 6 | $186 | $284 | $474 | $1,102 |
| 2011 Mazda 6 | $182 | $258 | $478 | $1,076 |
| 2010 Mazda 6 | $170 | $236 | $474 | $1,038 |
| 2009 Mazda 6 | $160 | $214 | $474 | $1,006 |
| 2008 Mazda 6 | $154 | $192 | $468 | $972 |
| 2006 Mazda 6 | $150 | $178 | $452 | $938 |
| 2005 Mazda 6 | $138 | $170 | $446 | $912 |
| 2004 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 the Cheapest Mazda 6 Insurance
Saving money on car insurance consists of having a good driving record, having good credit, eliminating unneeded coverage, and qualifying for all possible discounts. Make time to compare rates at every other renewal by obtaining price quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.
The next list is a recap of the concepts that were touched on in this article.
- Higher risk drivers that have major violations or accidents pay an average of $1,610 more annually to buy Mazda 6 insurance
- Drivers age 20 and younger are the costliest to insure, costing as high as $433 per month if they have full coverage
- Drivers can save approximately $170 per year simply by quoting online in advance
- Increasing deductibles can save around $550 each year
- Drivers can save approximately $170 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,192 |
| 20 | $3,198 |
| 30 | $1,440 |
| 40 | $1,382 |
| 50 | $1,264 |
| 60 | $1,240 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,738 |
| $250 | $1,574 |
| $500 | $1,382 |
| $1,000 | $1,198 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,382 |
| 50/100 | $1,517 |
| 100/300 | $1,621 |
| 250/500 | $1,892 |
| 100 CSL | $1,559 |
| 300 CSL | $1,788 |
| 500 CSL | $1,954 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,402 |
| 20 | $5,090 |
| 30 | $3,060 |
| 40 | $2,996 |
| 50 | $2,860 |
| 60 | $2,834 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $73 |
| Multi-vehicle | $73 |
| Homeowner | $21 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $63 |
| Advance Quote | $68 |
| Online Quote | $98 |
| Total Discounts | $587 |
Discounts are estimated and may not be available from every company or in every state.
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