Mazda 6 Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Apr 10, 2024
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The average insurance rates for a Mazda 6 are $1,038 a year for full coverage insurance. Comprehensive costs on average $170 each year, collision insurance costs $236, and liability insurance is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs around $2,236. Teenage drivers cost the most to insure at up to $4,164 a year.
Average premium for full coverage: $1,038
Policy rates by type of insurance:
Full coverage includes $500 deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and 6 models.
Price Range Variability
For the average 40-year-old driver, Mazda 6 insurance rates range from the low end price of $522 for minimum levels of liability insurance to a high rate of $2,236 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than densely populated cities. The graphic below illustrates the difference location can make on car insurance rates.
The examples above illustrate why all drivers should compare rates quotes based on a specific location, 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 Details
The chart below illustrates average Mazda 6 insurance rates for different risk profiles and scenarios.
- The best discount rate is $628
- Raising to $1,000 deductibles will save around $94 each year
- The estimated price for a good driver age 40 with $500 deductibles is $1,038
- Using low deductibles bumps up the cost to $1,212
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,236
- Policy cost that insures a teen driver may cost $4,164
Insurance rates for a Mazda 6 also range considerably based on the trim level and model year, your age and driving record, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,200 to $1,800 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $4,100 a year. View Rates by Age
Your home state also has a big influence on Mazda 6 insurance rates. A middle-age driver might find rates as low as $680 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,400 on average in Michigan, New York, and Florida.
| 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% |
Using high physical damage deductibles can reduce rates by up to $270 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. 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 More Affordable Mazda 6 Insurance
Finding cheaper rates on Mazda 6 insurance consists of not taking risks behind the wheel, having above-average credit, being claim-free, and determing if full coverage is necessary. Compare prices at least every other year by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.
The following is a summary of the car insurance concepts touched on in this article.
- High-risk drivers who have multiple accidents or major violations may pay on average $1,200 more each year for 6 insurance
- It is possible to save as much as $120 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles can save approximately $275 each year
- Drivers who require higher liability limits will pay an extra $520 annually to raise from a 30/60 limit to the 250/500 level
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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