Mazda 6 Insurance Rates

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UPDATED: Apr 10, 2024

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U.S. average insurance prices for a Mazda 6 are $1,038 every 12 months with full coverage. Comprehensive insurance costs an estimated $170 each year, collision insurance costs $236, and liability insurance is estimated at $474. Liability-only insurance costs approximately $522 a year, and high-risk driver insurance costs $2,236 or more. Teenage drivers pay the highest rates at up to $4,164 a year.

Average premium for full coverage: $1,038

Price estimates broken down by individual coverage:

Comprehensive $170
Collision $236
Liability $474

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and 6 models.

Price Range from Low to High

Using a 40-year-old driver as an example, Mazda 6 insurance prices range from the cheapest price of $522 for just the minimum liability insurance to a high rate of $2,236 for a high-risk driver policy.

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

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. More rural locations have more infrequent collision claims than densely populated cities. The graphic below illustrates how rural and urban location affects insurance prices.

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

The ranges above demonstrate why all drivers should get quotes for a targeted area and their own driving history, rather than relying 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.

Additional Rate Analysis

The chart below details average Mazda 6 insurance rates for other coverage scenarios.

  • The best discount rate is $628
  • Choosing higher $1,000 deductibles can save approximately $94 annually
  • The average price for the average middle-age driver who has $500 deductibles is $1,038
  • Using low deductibles for comp and collision coverage costs an extra $174 a year
  • High-risk insureds who are prone to accidents and violations could pay up to $2,236
  • The price to insure a teen driver can cost as much as $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

Car insurance prices for a Mazda 6 are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.

Using high physical damage deductibles can save as much as $270 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles could pay as little as $1,000 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged at least $4,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out $1,200 to $1,800 extra each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Mazda 6 insurance rates. A good driver about age 40 could pay as low as $750 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,400 on average in New York, Michigan, and Florida.

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

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 Shop for Cheap Mazda 6 Insurance

Getting lower rates on Mazda 6 insurance takes avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Set aside time to shop around every time your policy renews by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a brief summary of the information raised in the charts and tables above.

  • You may be able to save approximately $120 per year just by quoting online in advance
  • Drivers under the age of 20 have the highest car insurance prices, costing up to $347 a month if the policy includes full coverage
  • Increasing physical damage deductibles could save as much as $275 each year
  • High-risk drivers that tend to have accidents or serious violations may pay on average $1,200 more annually to insure a Mazda 6
  • Drivers who want increased liability limits will pay an extra $520 every year to raise limits from a low limit to a 250/500 level

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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