Mazda 6 Insurance Rates

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:

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

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.

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.

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

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.

View Chart as Image

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

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.

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