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 for full coverage. Comprehensive insurance costs around $274, collision costs $502, and liability is $430. A policy with just liability insurance costs around $486 a year, with coverage for high-risk drivers costing $2,956 or more. Teenage drivers pay the highest rates at $5,156 a year or more.
Average premium for full coverage: $1,364
Price estimates for individual coverage:
Prices are based on $500 deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for all 6 models.
Price Range from Low to High
Using a 40-year-old 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 high-risk insurance.
Geographic Price Range
Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population have lower incidents of accident claims than densely populated cities.
The example below illustrates how rural and urban location affects auto insurance rates.
The ranges above show why everyone should compare rates quotes for a specific zip code, instead of 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.
More Rate Details
The chart below shows estimated Mazda 6 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $788
- Raising to $1,000 deductibles will save about $176 a year
- The estimated price for the average middle-age driver using $500 deductibles is $1,364
- Using pricier low deductibles will cost an additional $342 every year
- At-risk drivers who are prone to accidents and violations could pay at least $2,956 or more
- The price that insures a teen driver for full coverage can be $5,156
Insurance prices for a Mazda 6 are also quite variable based on the model of your 6, how you drive, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you could be paying at least $1,600 to $2,200 extra each year, depending on your age. Mazda 6 insurance for high-risk drivers is expensive and can cost as much as 43% to 131% more than a normal policy. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay as much as $5,100 a year. View Rates by Age
The state you live in also has a big influence on Mazda 6 insurance prices. A middle-age driver might find prices as low as $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,950 on average in Michigan, Louisiana, and New York.
| 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% |
Using high physical damage deductibles can reduce prices by up to $520 every year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $387 more per year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know your exact price is to regularly compare prices and see which company has the best price. Every auto insurance company uses a different method to calculate prices, so the prices 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 Affordable Mazda 6 Insurance
Getting lower rates on car insurance consists of not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Compare prices every couple of years by getting quotes from direct carriers, and also from several local insurance agents.
The following is a brief review of the material that was raised in the charts and tables above.
- Policyholders who may need higher liability limits will pay an extra $470 each year to raise from a low limit to the 250/500 level
- Teens pay higher prices, with premiums as much as $430 a month if full coverage is included
- Higher risk drivers with DUI or reckless driving convictions pay on average $1,590 more every year for 6 insurance
- Increasing physical damage deductibles can save approximately $525 each year
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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