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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The average insurance rates for a Mazda 6 are $1,344 a year including full coverage. Comprehensive costs on average $260, collision insurance costs $484, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, and high-risk insurance costs around $2,920. Teen drivers cost the most to insure at up to $5,126 a year.
Average premium for full coverage: $1,344
Policy rates by type of insurance:
Prices are based on $500 deductible amounts, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for all 6 models.
Price Range Variability
For the average driver, Mazda 6 insurance rates range from the low end price of $496 for minimum levels of liability insurance to the much higher price of $2,920 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The example below illustrates how location impacts car insurance rates.
The examples above highlight why everyone should compare rates based on a specific location, rather than relying on price 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.
Additional Rate Details
The chart below breaks down average Mazda 6 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $775
- Drivers who choose higher $1,000 deductibles will pay around $168 every year
- The estimated price for a good driver age 40 with $500 deductibles is $1,344
- Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,672
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,920
- Policy cost that insures a teen driver for full coverage may cost $5,126 a year
Car insurance rates for a Mazda 6 also range considerably based on the model of your 6, your driving record and age, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,600 to $2,200 extra every year, depending on your age. Mazda 6 insurance for high-risk drivers can cost anywhere from 43% to 133% more than average. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged upwards of $5,100 a year. View Rates by Age
Your home state makes a big difference in Mazda 6 insurance rates. A 40-year-old driver could pay as low as $1,030 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,920 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,216 | -$128 | -9.5% |
| Alaska | $1,032 | -$312 | -23.2% |
| Arizona | $1,118 | -$226 | -16.8% |
| Arkansas | $1,344 | -$0 | 0.0% |
| California | $1,532 | $188 | 14.0% |
| Colorado | $1,284 | -$60 | -4.5% |
| Connecticut | $1,382 | $38 | 2.8% |
| Delaware | $1,522 | $178 | 13.2% |
| Florida | $1,682 | $338 | 25.1% |
| Georgia | $1,242 | -$102 | -7.6% |
| Hawaii | $966 | -$378 | -28.1% |
| Idaho | $910 | -$434 | -32.3% |
| Illinois | $1,002 | -$342 | -25.4% |
| Indiana | $1,014 | -$330 | -24.6% |
| Iowa | $908 | -$436 | -32.4% |
| Kansas | $1,278 | -$66 | -4.9% |
| Kentucky | $1,834 | $490 | 36.5% |
| Louisiana | $1,992 | $648 | 48.2% |
| Maine | $828 | -$516 | -38.4% |
| Maryland | $1,110 | -$234 | -17.4% |
| Massachusetts | $1,078 | -$266 | -19.8% |
| Michigan | $2,336 | $992 | 73.8% |
| Minnesota | $1,126 | -$218 | -16.2% |
| Mississippi | $1,610 | $266 | 19.8% |
| Missouri | $1,192 | -$152 | -11.3% |
| Montana | $1,444 | $100 | 7.4% |
| Nebraska | $1,060 | -$284 | -21.1% |
| Nevada | $1,610 | $266 | 19.8% |
| New Hampshire | $968 | -$376 | -28.0% |
| New Jersey | $1,504 | $160 | 11.9% |
| New Mexico | $1,190 | -$154 | -11.5% |
| New York | $1,416 | $72 | 5.4% |
| North Carolina | $774 | -$570 | -42.4% |
| North Dakota | $1,100 | -$244 | -18.2% |
| Ohio | $928 | -$416 | -31.0% |
| Oklahoma | $1,380 | $36 | 2.7% |
| Oregon | $1,232 | -$112 | -8.3% |
| Pennsylvania | $1,284 | -$60 | -4.5% |
| Rhode Island | $1,794 | $450 | 33.5% |
| South Carolina | $1,216 | -$128 | -9.5% |
| South Dakota | $1,134 | -$210 | -15.6% |
| Tennessee | $1,178 | -$166 | -12.4% |
| Texas | $1,620 | $276 | 20.5% |
| Utah | $996 | -$348 | -25.9% |
| Vermont | $920 | -$424 | -31.5% |
| Virginia | $806 | -$538 | -40.0% |
| Washington | $1,040 | -$304 | -22.6% |
| West Virginia | $1,232 | -$112 | -8.3% |
| Wisconsin | $932 | -$412 | -30.7% |
| Wyoming | $1,198 | -$146 | -10.9% |
Choosing high deductibles could save up to $500 each 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 raise rates by up to $398 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 | $1,242 | $104 |
| Mazda 6 I SV 4-Dr Sedan | $1,242 | $104 |
| Mazda 6 I Touring 4-Dr Sedan | $1,278 | $107 |
| Mazda 6 I Touring Plus 4-Dr Sedan | $1,318 | $110 |
| Mazda 6 I Touring Plus 4-Dr Sedan | $1,318 | $110 |
| Mazda 6 I Grand Touring 4-Dr Sedan | $1,354 | $113 |
| Mazda 6 S Grand Touring 4-Dr Sedan | $1,420 | $118 |
| Mazda 6 S Grand Touring 6 Cyl 4-Dr Sedan | $1,420 | $118 |
| Mazda 6 S Touring Plus 6 Cyl 4-Dr Sedan | $1,394 | $116 |
| Mazda 6 S Touring Plus 4-Dr Sedan | $1,394 | $116 |
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 | $260 | $484 | $442 | $1,344 |
| 2020 Mazda 6 | $250 | $450 | $452 | $1,310 |
| 2019 Mazda 6 | $240 | $424 | $456 | $1,278 |
| 2018 Mazda 6 | $230 | $380 | $460 | $1,228 |
| 2017 Mazda 6 | $214 | $350 | $460 | $1,182 |
| 2016 Mazda 6 | $206 | $328 | $464 | $1,156 |
| 2015 Mazda 6 | $202 | $306 | $474 | $1,140 |
| 2014 Mazda 6 | $186 | $284 | $474 | $1,102 |
| 2013 Mazda 6 | $182 | $258 | $478 | $1,076 |
| 2012 Mazda 6 | $170 | $236 | $474 | $1,038 |
| 2011 Mazda 6 | $160 | $214 | $474 | $1,006 |
| 2010 Mazda 6 | $154 | $192 | $468 | $972 |
| 2009 Mazda 6 | $152 | $188 | $460 | $958 |
| 2008 Mazda 6 | $150 | $178 | $452 | $938 |
| 2006 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
Finding cheaper rates on Mazda 6 insurance not only requires having a good driving record, but also having a positive credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Shop around every year by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.
The next list is a brief review of the coverage data touched on above.
- You may be able to save as much as $160 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save approximately $500 each year
- Drivers age 20 and younger are expensive to insure, with premiums being up to $427 each month if full coverage is purchased
- High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,580 more each year to buy Mazda 6 insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,126 |
| 20 | $3,114 |
| 30 | $1,394 |
| 40 | $1,344 |
| 50 | $1,230 |
| 60 | $1,206 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,672 |
| $250 | $1,518 |
| $500 | $1,344 |
| $1,000 | $1,176 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,344 |
| 50/100 | $1,482 |
| 100/300 | $1,593 |
| 250/500 | $1,880 |
| 100 CSL | $1,527 |
| 300 CSL | $1,770 |
| 500 CSL | $1,947 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,300 |
| 20 | $4,966 |
| 30 | $2,976 |
| 40 | $2,920 |
| 50 | $2,790 |
| 60 | $2,764 |
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 | $71 |
| Multi-vehicle | $72 |
| Homeowner | $21 |
| 5-yr Accident Free | $97 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $60 |
| Advance Quote | $66 |
| Online Quote | $95 |
| Total Discounts | $569 |
Discounts are estimated and may not be available from every company or in every state.
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