Mazda 6 Insurance Rates
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UPDATED: Apr 10, 2024
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Estimated insurance rates for a Mazda 6 are $1,038 a year for full coverage. Comprehensive insurance costs approximately $170, collision insurance costs $236, and liability is $474. A policy with only liability insurance costs around $522 a year, and a high-risk policy costs $2,236 or more. 16-year-old drivers pay the most at up to $4,164 a year.
Average premium for full coverage: $1,038
Premium estimates by type of coverage:
These estimates include $500 deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all states and for all 6 models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Mazda 6 range from the low end price of $522 for a discount liability-only rate to the much higher price of $2,236 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than congested cities. The example below illustrates the difference location can make on auto insurance prices.
These rate differences show why everyone should compare rates quotes using their 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.
Rates by State, City, and Model
The chart below shows average Mazda 6 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $628
- Raising to $1,000 deductibles will save $94 a year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,038
- Buying pricier low deductibles will cost an additional $174 every year
- At-risk drivers with multiple tickets or accidents could pay around $2,236
- An auto insurance policy that insures a teen driver for full coverage can cost $4,164
Car insurance prices for a Mazda 6 also have a wide range based on the model of your 6, how you drive, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you could be paying anywhere from $1,200 to $1,800 extra annually, depending on your age. Mazda 6 insurance for high-risk drivers is expensive and can cost as much as 43% to 129% 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 $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $4,100 a year. View Rates by Age
Where you choose to live also has a big influence on Mazda 6 insurance prices. A middle-age driver might find prices as low as $680 a year in states like Iowa, Maine, and Idaho, or at least $1,480 on average in New York, Louisiana, and Michigan.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $270 every year, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 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 | $984 | $82 |
| Mazda 6 I SV 4-Dr Sedan | $984 | $82 |
| Mazda 6 I Touring 4-Dr Sedan | $1,004 | $84 |
| Mazda 6 I Touring Plus 4-Dr Sedan | $1,024 | $85 |
| Mazda 6 I Touring Plus 4-Dr Sedan | $1,024 | $85 |
| Mazda 6 I Grand Touring 4-Dr Sedan | $1,044 | $87 |
| Mazda 6 S Grand Touring 4-Dr Sedan | $1,078 | $90 |
| Mazda 6 S Grand Touring 6 Cyl 4-Dr Sedan | $1,078 | $90 |
| Mazda 6 S Touring Plus 6 Cyl 4-Dr Sedan | $1,064 | $89 |
| Mazda 6 S Touring Plus 4-Dr Sedan | $1,064 | $89 |
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.
| 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 Cheap Mazda 6 Insurance
Finding better rates on car insurance consists of not taking risks behind the wheel, having a positive credit history, not filing small claims, and attention to physical damage deductibles. Comparison shop at every policy renewal by getting rate quotes from direct carriers, and also from insurance agencies where you live.
The following is a brief summary of the data touched on in this article.
- Policyholders who purchase higher liability limits will pay around $520 each year to raise from 30/60 bodily injury limits to the 250/500 level
- Drivers can save around $120 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles can save approximately $275 each year
- Teens pay the highest auto insurance prices, as much as $347 per month if full coverage is purchased
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,212 |
| $250 | $1,132 |
| $500 | $1,038 |
| $1,000 | $944 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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