Mazda 6 Insurance Rates

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UPDATED: May 8, 2024

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Average insurance prices for a Mazda 6 are $1,364 every 12 months for full coverage. Comprehensive costs on average $274, collision insurance costs $502, and liability insurance is $430. Liability-only coverage costs around $486 a year, and high-risk coverage costs around $2,956. Teens receive the highest rates at up to $5,156 a year.

Average premium for full coverage: $1,364

Rate estimates by individual coverage type:

Comprehensive $274
Collision $502
Liability $430

Prices include $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for different 6 trim levels.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from the cheapest price of $486 for just liability coverage to a much higher rate of $2,956 for a policy for a high-risk driver.

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

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas tend to have more infrequent accident claims than cities with more traffic congestion. The price range example below illustrates how your location can change car insurance rates.

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

These examples show why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, rather than relying on averaged prices.

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.

Detailed Rate Analysis

The chart below shows average Mazda 6 insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $788
  • Raising to $1,000 deductibles will save around $176 a year
  • The average price for a 40-year-old driver with $500 deductibles is $1,364
  • Selecting more expensive low deductibles increases the price to $1,706
  • Higher-risk drivers with serious driving violations could pay upwards of $2,956
  • The cost to insure a teen driver with full coverage may cost $5,156

View Chart as Image

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

Car insurance rates for a Mazda 6 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your 6.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $520 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $387 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles could pay as little as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged upwards of $5,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates

Where you live also has a big influence on Mazda 6 insurance rates. A middle-age driver might find rates as low as $900 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,950 on average in Michigan, Louisiana, 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

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 Shop for the Right Mazda 6 Insurance

Saving money on Mazda 6 insurance consists of avoiding accidents and claims, maintaining a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Invest the time to shop around every year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The points below are a quick rundown of the coverage data illustrated above.

  • Drivers can save as much as $160 per year just by shopping early and online
  • Increasing deductibles could save as much as $525 each year
  • Drivers under the age of 20 are expensive to insure, costing as high as $430 per month if the policy includes full coverage
  • High-risk drivers with reckless driving or DUI convictions pay an average of $1,590 more each year to insure a Mazda 6

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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