Mazda 6 Insurance Rates
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UPDATED: May 8, 2024
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The average insurance prices for a Mazda 6 are $1,382 every 12 months for full coverage insurance. Comprehensive costs on average $284, collision insurance costs $524, and liability is $416. Buying just liability costs around $474 a year, and insurance for high-risk drivers costs around $2,996. 16-year-old drivers cost the most to insure at up to $5,192 a year.
Average premium for full coverage: $1,382
Policy rates by type of insurance:
These estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for different 6 trim levels.
Price Range Variability
For a driver in their 40's, Mazda 6 insurance rates range from the cheapest price of $474 for your basic liability-only policy to a much higher rate of $2,996 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on insurance rates. Rural areas are shown to have more infrequent physical damage claims than congested cities. The price range example below illustrates how location helps determine car insurance rates.
The examples above illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, 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.
More Rate Information
The chart below illustrates average Mazda 6 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $795
- Raising to $1,000 deductibles will save around $184 each year
- The average price for a good driver age 40 with $500 deductibles is $1,382
- Buying more expensive low deductibles increases the price to $1,738
- At-risk drivers with multiple tickets or accidents could pay upwards of $2,996
- Policy cost to insure a teen driver with full coverage may cost $5,192
Insurance rates for a Mazda 6 also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your 6.
Opting for high physical damage deductibles can reduce rates by up to $540 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $375 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay upwards of $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 a minimum $1,600 to $2,300 extra every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 129% more than the average rate. 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 $900 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,870 on average in Michigan, New York, and Florida.
| 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% |
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 Shop for Cheap Mazda 6 Insurance
Finding cheaper rates on car insurance consists of avoiding accidents and violations, having good credit, being claim-free, and determing if full coverage is necessary. Invest time comparing rates at every policy renewal by quoting rates from direct insurance companies, and also from several local insurance agents.
The list below is a brief summary of the data covered in the charts and tables above.
- Policyholders who require higher liability limits will pay around $460 annually to raise from a 30/60 limit to a 250/500 level
- It is possible to save as much as $170 per year just by shopping early and online
- Increasing comprehensive and collision deductibles could save as much as $550 each year
- Teenagers pay the highest rates, possibly costing $433 each month if they have full coverage
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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