Mazda 6 Insurance Rates

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UPDATED: Apr 10, 2024

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Average insurance rates for a Mazda 6 are $1,038 a year for full coverage. Comprehensive insurance costs on average $170, collision insurance costs $236, and liability is estimated at $474. Buying just liability costs approximately $522 a year, and insurance for high-risk drivers costs $2,236 or more. Teenage drivers receive the highest rates at up to $4,164 a year.

Average premium for full coverage: $1,038

Rate estimates by individual coverage type:

Comprehensive $170
Collision $236
Liability $474

Includes $500 deductible amounts, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and for all 6 models.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from as low as $522 for a discount liability-only rate to the much higher price of $2,236 for a high-risk insurance policy.

Liability Only $522
Full Coverage $1,038
High Risk $2,236

Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural areas tend to have a lower frequency of accident claims than densely populated cities. The example below illustrates how rural and urban location affects car insurance rates.

Rural Areas $779
Small Cities $1,090
Large Cities $1,401

These examples show why everyone should get quotes based on a specific location and risk profile, instead of making a decision based on 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.

Rates by State, City, and Model

The chart below shows average Mazda 6 insurance rates for different risk profiles and scenarios.

  • The best discount rate is $628
  • Choosing higher $1,000 deductibles can save around $94 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,038
  • Using pricier low deductibles for comp and collision coverage will cost an extra $174 annually
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,236
  • The cost for full coverage for a 16-year-old driver for full coverage may cost $4,164 each year

View Chart as Image

Mazda 6 insurance cost comparison chart
Column chart showing Mazda 6 insurance prices range from $628 to $4,164 for full coverage

Auto insurance rates for a Mazda 6 can also vary considerably based on your driver profile, the trim level of your 6, and policy deductibles and limits.

A more mature driver with a good driving record and high deductibles may pay as low as $1,000 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay upwards of $4,100 a year. View Rates by Age

Where you live plays a big part in determining prices for Mazda 6 insurance prices. A good driver about age 40 could pay as low as $680 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,480 on average in Michigan, Louisiana, and New York.

Mazda 6 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $938 -$100 -9.6%
Alaska $794 -$244 -23.5%
Arizona $860 -$178 -17.1%
Arkansas $1,038 -$0 0.0%
California $1,182 $144 13.9%
Colorado $990 -$48 -4.6%
Connecticut $1,066 $28 2.7%
Delaware $1,174 $136 13.1%
Florida $1,298 $260 25.0%
Georgia $956 -$82 -7.9%
Hawaii $746 -$292 -28.1%
Idaho $700 -$338 -32.6%
Illinois $772 -$266 -25.6%
Indiana $780 -$258 -24.9%
Iowa $700 -$338 -32.6%
Kansas $986 -$52 -5.0%
Kentucky $1,416 $378 36.4%
Louisiana $1,532 $494 47.6%
Maine $640 -$398 -38.3%
Maryland $854 -$184 -17.7%
Massachusetts $830 -$208 -20.0%
Michigan $1,802 $764 73.6%
Minnesota $868 -$170 -16.4%
Mississippi $1,242 $204 19.7%
Missouri $920 -$118 -11.4%
Montana $1,114 $76 7.3%
Nebraska $818 -$220 -21.2%
Nevada $1,244 $206 19.8%
New Hampshire $746 -$292 -28.1%
New Jersey $1,160 $122 11.8%
New Mexico $918 -$120 -11.6%
New York $1,092 $54 5.2%
North Carolina $598 -$440 -42.4%
North Dakota $848 -$190 -18.3%
Ohio $714 -$324 -31.2%
Oklahoma $1,066 $28 2.7%
Oregon $950 -$88 -8.5%
Pennsylvania $990 -$48 -4.6%
Rhode Island $1,382 $344 33.1%
South Carolina $940 -$98 -9.4%
South Dakota $876 -$162 -15.6%
Tennessee $908 -$130 -12.5%
Texas $1,250 $212 20.4%
Utah $768 -$270 -26.0%
Vermont $712 -$326 -31.4%
Virginia $622 -$416 -40.1%
Washington $802 -$236 -22.7%
West Virginia $950 -$88 -8.5%
Wisconsin $720 -$318 -30.6%
Wyoming $924 -$114 -11.0%

View Chart as Image

Mazda 6 insurance rates by U.S. city

Using high physical damage deductibles can save as much as $270 annually, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,200 to $1,800 in extra premium per year, depending on your age. Mazda 6 insurance for high-risk drivers ranges from 43% to 129% more than a normal policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Rates assume 2011 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.

Mazda 6 Insurance Rates by Model Year
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

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 Cheapest Mazda 6 Insurance

Saving money on insurance for a Mazda 6 takes having a good driving record, having good credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Set aside time to shop around at least every other year by obtaining price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The next list is a recap of the car insurance concepts raised in the charts and tables above.

  • Drivers considered higher risk that have major violations or accidents will pay on average $1,200 more each year to buy Mazda 6 insurance
  • Drivers can save as much as $120 per year just by quoting online well ahead of the renewal date
  • Increasing deductibles can save around $275 each year
  • Insureds who require increased levels of liability coverage will pay an extra $520 each year to raise limits from a minimum limit to 250/500 limits

Rates by Driver Age

Mazda 6 Insurance Rates by Driver Age
Driver Age Premium
16 $4,164
20 $2,374
30 $1,056
40 $1,038
50 $952
60 $932

Full coverage, $500 deductibles

Rates by Deductible

Mazda 6 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,212
$250 $1,132
$500 $1,038
$1,000 $944

Full coverage, driver age 40

Rates by Liability Limit

Mazda 6 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,038
50/100 $1,159
100/300 $1,277
250/500 $1,585
100 CSL $1,206
300 CSL $1,467
500 CSL $1,657

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda 6 Insurance Rates for High Risk Drivers
Age Premium
16 $5,870
20 $3,788
30 $2,254
40 $2,236
50 $2,136
60 $2,114

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.

SR-22 Surcharge $140

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $53
Multi-vehicle $56
Homeowner $18
5-yr Accident Free $64
5-yr Claim Free $65
Paid in Full/EFT $38
Advance Quote $46
Online Quote $70
Total Discounts $410
Rate after discounts $628

Discounts are estimated and may not be available from every company or in every state.

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