Mazda 6 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 3, 2023
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U.S. average insurance rates for a Mazda 6 are $1,364 a year including full coverage. Comprehensive insurance costs on average $274, collision costs $502, and liability is estimated at $430. Liability-only insurance costs approximately $486 a year, with high-risk driver insurance costing $2,956 or more. 16-year-old drivers pay the highest rates at $5,156 a year or more.
Average premium for full coverage: $1,364
Price estimates by individual coverage:
Full coverage includes $500 deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all 6 models.
Price Range from Low to High
Using a middle-aged driver as an example, Mazda 6 insurance prices go from the low end price of $486 for just liability insurance to the much higher price of $2,956 for a driver required to buy high-risk insurance.
Geographic Price Range
Living in a larger city can have significant affects on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than congested cities.
The example below illustrates how where you live affects car insurance rates.
The ranges above highlight why everyone should get quotes based on a specific location, 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 Details
The chart below breaks down estimated Mazda 6 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $788
- Choosing higher $1,000 deductibles can save around $176 every year
- The estimated price for the average middle-age driver with $500 deductibles is $1,364
- Buying pricier low deductibles for comp and collision coverage will cost an additional $342 every year
- Unlucky drivers with multiple tickets or accidents could pay upwards of $2,956 or more
- The price that insures a teen driver for full coverage may cost $5,156 each year
Car insurance prices for a Mazda 6 are also quite variable based on the model of your 6, your driving record and age, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,600 to $2,200 extra each year, depending on your age. Mazda 6 insurance for high-risk drivers ranges as much as 43% to 131% more than the average rate. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged upwards of $5,100 a year. View Rates by Age
The state you live in plays a big part in determining prices for Mazda 6 insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,950 on average in Michigan, New York, and Louisiana.
| 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% |
Opting for high physical damage deductibles can save as much as $520 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $387 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to figure out exactly what you will pay is to regularly compare prices and see which company has the best price. Each auto insurer utilizes a different rate formula, so rate quotes may be quite different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 More Affordable Mazda 6 Insurance
Getting lower rates on car insurance takes not taking risks behind the wheel, having a positive credit history, being claim-free, and maximizing policy discounts. Comparison shop at every policy renewal by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.
The following is a summary of the data touched on in the above illustrations.
- Policyholders who require higher liability limits will pay around $470 per year to raise limits from a low limit to the 250/500 level
- You may be able to save as much as $160 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save approximately $525 each year
- Teens are expensive to insure, possibly costing $430 a month if full coverage is purchased
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,706 |
| $250 | $1,548 |
| $500 | $1,364 |
| $1,000 | $1,188 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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