Mazda 6 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 10, 2024

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The average insurance rates for a Mazda 6 are $1,038 a year with full coverage. Comprehensive costs on average $170 a year, collision insurance costs $236, and liability insurance costs around $474. A liability-only policy costs as low as $522 a year, and high-risk insurance costs around $2,236. Teens 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:

Comprehensive $170
Collision $236
Liability $474

Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and 6 trim levels.

Price Range Variability

For the normal driver, Mazda 6 insurance rates range from as low as $522 for minimum levels of liability insurance to a high of $2,236 for a driver who has had serious violations or accidents.

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

Urban vs. Rural Price Range

Where you live has a significant impact on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects car insurance rates.

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

The examples above demonstrate why it is important to compare prices based on a specific location and risk profile, rather than relying on averaged prices.

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 details average Mazda 6 insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $628
  • Using higher $1,000 deductibles will save around $944 annually
  • The average rate for a good driver age 40 with $500 deductibles is $1,038
  • Selecting low $100 deductibles for physical damage coverage will increase the cost to $1,212
  • Drivers with serious driving violations could pay upwards of $2,236
  • Policy cost for full coverage for a teen driver may cost $4,164 or more

View Chart as Image

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

Car insurance rates for a Mazda 6 also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $4,100 a year. View Rates by Age

Your home state has a huge impact on Mazda 6 insurance rates. A driver around age 40 might see rates as low as $750 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,400 on average in Florida, Michigan, 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

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $270 each year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,200 to $1,800 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 129% more than the average 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 Affordable Mazda 6 Insurance

Finding cheaper rates on Mazda 6 insurance requires being a good driver, having above-average credit, not filing small claims, and possibly raising deductibles. Invest the time to compare rates every other policy renewal by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following list is a brief review of the ideas that were presented in the illustrations above.

  • Drivers age 16 to 20 are expensive to insure, as much as $347 each month if full coverage is included
  • High-risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,200 more each year than a safer driver
  • Increasing comprehensive and collision deductibles can save around $275 each year
  • You may be able to save as much as $120 per year just by quoting early and online

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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