Mazda 6 Insurance Rates

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UPDATED: May 8, 2024

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The average insurance rates for a Mazda 6 are $1,364 a year with full coverage. Comprehensive insurance costs around $274, collision costs $502, and liability costs around $430. A liability-only policy costs as low as $486 a year, with high-risk insurance costing $2,956 or more. 16-year-old 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:

Comprehensive $274
Collision $502
Liability $430

Rate estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different 6 trim levels.

Price Range Variability

For the average driver, Mazda 6 insurance rates go from as low as $486 for just the minimum liability insurance to a much higher rate of $2,956 for a driver who requires high-risk insurance.

Liability Only $486
Full Coverage $1,364
High Risk $2,956

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than congested cities.

The price range example below illustrates how location impacts auto insurance rates.

Rural Areas $1,023
Small Cities $1,432
Large Cities $1,841

The examples above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of making a decision based on 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.

Additional Rate Analysis

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

  • The best full coverage rate is $788
  • Using higher $1,000 deductibles will save about $176 annually
  • The average rate for a good driver age 40 using $500 deductibles is $1,364
  • Buying more expensive low deductibles for physical damage coverage will cost an extra $342 annually
  • High-risk insureds with multiple tickets or accidents could pay at least $2,956 or more
  • Policy cost for full coverage for a 16-year-old driver with full coverage can be $5,156 or more

View Chart as Image

Mazda 6 insurance cost comparison chart
Column chart showing full coverage Mazda 6 insurance prices range from $788 to $5,156

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

An older driver with no driving violations and high deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged as much as $5,100 a year. View Rates by Age

Your home state has a huge impact on Mazda 6 insurance prices. A driver around age 40 might see rates as low as $980 a year in states like New Hampshire, Ohio, and Utah, or at least $1,840 on average in Florida, Michigan, and New York.

Mazda 6 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,234 -$130 -9.5%
Alaska $1,046 -$318 -23.3%
Arizona $1,132 -$232 -17.0%
Arkansas $1,364 -$0 0.0%
California $1,554 $190 13.9%
Colorado $1,304 -$60 -4.4%
Connecticut $1,404 $40 2.9%
Delaware $1,544 $180 13.2%
Florida $1,706 $342 25.1%
Georgia $1,260 -$104 -7.6%
Hawaii $978 -$386 -28.3%
Idaho $922 -$442 -32.4%
Illinois $1,016 -$348 -25.5%
Indiana $1,026 -$338 -24.8%
Iowa $920 -$444 -32.6%
Kansas $1,296 -$68 -5.0%
Kentucky $1,860 $496 36.4%
Louisiana $2,018 $654 47.9%
Maine $842 -$522 -38.3%
Maryland $1,124 -$240 -17.6%
Massachusetts $1,092 -$272 -19.9%
Michigan $2,370 $1,006 73.8%
Minnesota $1,142 -$222 -16.3%
Mississippi $1,632 $268 19.6%
Missouri $1,212 -$152 -11.1%
Montana $1,466 $102 7.5%
Nebraska $1,076 -$288 -21.1%
Nevada $1,634 $270 19.8%
New Hampshire $984 -$380 -27.9%
New Jersey $1,524 $160 11.7%
New Mexico $1,206 -$158 -11.6%
New York $1,436 $72 5.3%
North Carolina $786 -$578 -42.4%
North Dakota $1,116 -$248 -18.2%
Ohio $942 -$422 -30.9%
Oklahoma $1,400 $36 2.6%
Oregon $1,250 -$114 -8.4%
Pennsylvania $1,302 -$62 -4.5%
Rhode Island $1,820 $456 33.4%
South Carolina $1,234 -$130 -9.5%
South Dakota $1,152 -$212 -15.5%
Tennessee $1,196 -$168 -12.3%
Texas $1,644 $280 20.5%
Utah $1,010 -$354 -26.0%
Vermont $934 -$430 -31.5%
Virginia $816 -$548 -40.2%
Washington $1,056 -$308 -22.6%
West Virginia $1,250 -$114 -8.4%
Wisconsin $946 -$418 -30.6%
Wyoming $1,214 -$150 -11.0%

View Chart as Image

Mazda 6 insurance rates by U.S. city

Opting for high physical damage deductibles could cut rates by as much as $520 annually, while increasing your policy's liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $387 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance can be from 43% to 131% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to compare rates from multiple companies. Each insurance company utilizes a different rate formula, so rate quotes will be varied from one company to the next.

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 $1,256 $105
Mazda 6 I SV 4-Dr Sedan $1,256 $105
Mazda 6 I Touring 4-Dr Sedan $1,296 $108
Mazda 6 I Touring Plus 4-Dr Sedan $1,336 $111
Mazda 6 I Touring Plus 4-Dr Sedan $1,336 $111
Mazda 6 I Grand Touring 4-Dr Sedan $1,376 $115
Mazda 6 S Grand Touring 4-Dr Sedan $1,444 $120
Mazda 6 S Grand Touring 6 Cyl 4-Dr Sedan $1,444 $120
Mazda 6 S Touring Plus 6 Cyl 4-Dr Sedan $1,416 $118
Mazda 6 S Touring Plus 4-Dr Sedan $1,416 $118

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.

Mazda 6 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2021 Mazda 6 $274 $502 $430 $1,364
2020 Mazda 6 $260 $484 $442 $1,344
2019 Mazda 6 $250 $450 $452 $1,310
2018 Mazda 6 $240 $424 $456 $1,278
2017 Mazda 6 $230 $380 $460 $1,228
2016 Mazda 6 $214 $350 $460 $1,182
2015 Mazda 6 $206 $328 $464 $1,156
2014 Mazda 6 $202 $306 $474 $1,140
2013 Mazda 6 $186 $284 $474 $1,102
2012 Mazda 6 $182 $258 $478 $1,076
2011 Mazda 6 $170 $236 $474 $1,038
2010 Mazda 6 $160 $214 $474 $1,006
2009 Mazda 6 $154 $192 $468 $972
2008 Mazda 6 $152 $188 $460 $958
2006 Mazda 6 $138 $170 $446 $912
2005 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 Best Mazda 6 Insurance

Finding cheaper rates on insurance for a Mazda 6 requires not taking risks behind the wheel, having above-average credit, not filing small claims, and qualifying for all possible discounts. Spend time shopping around at every other renewal by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following is a brief recap of the concepts that were touched on above.

  • Drivers considered higher risk who tend to receive serious violations pay an average of $1,590 more every year for 6 insurance
  • Teens are the costliest to insure, as much as $430 each month if full coverage is included
  • You may be able to save up to $160 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles can save around $525 each year
  • You may be able to save up to $160 per year simply by shopping early and online

Rates by Driver Age

Mazda 6 Insurance Rates by Driver Age
Driver Age Premium
16 $5,156
20 $3,154
30 $1,418
40 $1,364
50 $1,248
60 $1,224

Full coverage, $500 deductibles

Rates by Deductible

Mazda 6 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,706
$250 $1,548
$500 $1,364
$1,000 $1,188

Full coverage, driver age 40

Rates by Liability Limit

Mazda 6 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,364
50/100 $1,502
100/300 $1,610
250/500 $1,889
100 CSL $1,545
300 CSL $1,782
500 CSL $1,954

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda 6 Insurance Rates for High Risk Drivers
Age Premium
16 $7,344
20 $5,024
30 $3,016
40 $2,956
50 $2,824
60 $2,798

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 $191

Potential Rate Discounts

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

Discount Savings
Multi-policy $72
Multi-vehicle $72
Homeowner $21
5-yr Accident Free $99
5-yr Claim Free $88
Paid in Full/EFT $61
Advance Quote $67
Online Quote $96
Total Discounts $576
Rate after discounts $788

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

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