Mazda 6 Insurance Rates
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UPDATED: Jun 3, 2023
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The average insurance rates for a Mazda 6 are $1,382 a year for full coverage. Comprehensive insurance costs an estimated $284, collision insurance costs $524, and liability coverage is $416. A liability-only policy costs around $474 a year, and high-risk insurance costs $2,996 or more. Teenage drivers cost the most to insure at up to $5,192 a year.
Average premium for full coverage: $1,382
Policy rates broken down by type of insurance:
Rate estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for all 6 models.
Price Range Variability
For a driver around age 40, Mazda 6 insurance rates range from the low end price of $474 for basic liability insurance to the much higher price of $2,996 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on insurance rates. More rural locations are shown to have lower incidents of accident claims than densely populated cities. The example below illustrates the difference between rural and urban areas on insurance prices.
The examples above show why everyone should compare rates quotes for a targeted area, rather than 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 average 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 estimated price for a good driver age 40 who has $500 deductibles is $1,382
- Using pricier low deductibles will cost an additional $356 each year
- Unlucky drivers who are prone to accidents and violations could pay up to $2,996
- Policy cost that insures a teenage driver for full coverage can cost as much as $5,192
Car insurance rates for a Mazda 6 also range considerably based on the model of your 6, how you drive, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you could be paying $1,600 to $2,300 extra every year, depending on your age. Mazda 6 insurance for high-risk drivers is expensive and can cost around 44% to 129% more than a normal policy. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged at least $5,100 a year. View Rates by Age
Your home state also has a big influence on Mazda 6 insurance rates. 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 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $375 extra every 12 months. View Rates by Deductible or Liability Limit
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 Best Mazda 6 Insurance
Finding cheaper rates on auto insurance consists of being a safe and courteous driver, having a positive credit history, avoid buying unnecessary coverage, and possibly higher deductibles. Compare prices every other policy renewal by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.
Below is a brief recap of the ideas that were covered above.
- Teenage drivers have the highest car insurance rates, costing up to $433 each month if full coverage is purchased
- Drivers who tend to receive serious violations may pay on average $1,610 more annually for auto insurance
- Increasing comprehensive and collision deductibles can save approximately $550 each year
- Drivers can save approximately $170 per year just by quoting online well ahead of the renewal date
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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