Mazda 6 Insurance Rates
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UPDATED: Apr 10, 2024
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Average insurance rates for a Mazda 6 are $1,076 a year with full coverage. Comprehensive costs an estimated $182 each year, collision costs $258, and liability costs $478. A policy with just liability insurance costs as little as $526 a year, with coverage for high-risk drivers costing around $2,318. Teen drivers receive the highest rates at $4,288 a year or more.
Average premium for full coverage: $1,076
Rate estimates broken down by individual coverage type:
Rates are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and 6 models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as low as $526 for the bare minimum liability coverage to a high rate of $2,318 for a driver who has had serious violations or accidents.
Price Range by Location
Your location can have significant affects on car insurance rates. More rural locations tend to have a lower frequency of collision claims than larger metro areas.
The graphic below illustrates how where you live affects insurance prices.
These examples demonstrate why all drivers should compare rates for a targeted area and risk profile, instead of using price 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.
Additional Rate Information
The chart below details estimated Mazda 6 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $647
- Drivers who choose higher $1,000 deductibles will pay approximately $102 annually
- The average rate for a 40-year-old driver who has $500 deductibles is $1,076
- Choosing low deductibles for comprehensive and collision insurance will increase the cost to $1,266
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,318 or more
- The cost for full coverage for a teen driver can cost as much as $4,288 a year
Insurance rates for a Mazda 6 can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.
More mature drivers with no violations or accidents and high deductibles may pay as little as $1,000 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay at least $4,200 a year. View Rates by Age
Where you live makes a big difference in Mazda 6 insurance prices. A 40-year-old driver could pay as low as $780 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,450 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $972 | -$104 | -9.7% |
| Alaska | $826 | -$250 | -23.2% |
| Arizona | $894 | -$182 | -16.9% |
| Arkansas | $1,076 | -$0 | 0.0% |
| California | $1,226 | $150 | 13.9% |
| Colorado | $1,028 | -$48 | -4.5% |
| Connecticut | $1,104 | $28 | 2.6% |
| Delaware | $1,218 | $142 | 13.2% |
| Florida | $1,346 | $270 | 25.1% |
| Georgia | $992 | -$84 | -7.8% |
| Hawaii | $770 | -$306 | -28.4% |
| Idaho | $728 | -$348 | -32.3% |
| Illinois | $802 | -$274 | -25.5% |
| Indiana | $810 | -$266 | -24.7% |
| Iowa | $724 | -$352 | -32.7% |
| Kansas | $1,022 | -$54 | -5.0% |
| Kentucky | $1,468 | $392 | 36.4% |
| Louisiana | $1,592 | $516 | 48.0% |
| Maine | $662 | -$414 | -38.5% |
| Maryland | $886 | -$190 | -17.7% |
| Massachusetts | $862 | -$214 | -19.9% |
| Michigan | $1,870 | $794 | 73.8% |
| Minnesota | $900 | -$176 | -16.4% |
| Mississippi | $1,288 | $212 | 19.7% |
| Missouri | $954 | -$122 | -11.3% |
| Montana | $1,156 | $80 | 7.4% |
| Nebraska | $848 | -$228 | -21.2% |
| Nevada | $1,288 | $212 | 19.7% |
| New Hampshire | $776 | -$300 | -27.9% |
| New Jersey | $1,204 | $128 | 11.9% |
| New Mexico | $952 | -$124 | -11.5% |
| New York | $1,132 | $56 | 5.2% |
| North Carolina | $618 | -$458 | -42.6% |
| North Dakota | $878 | -$198 | -18.4% |
| Ohio | $744 | -$332 | -30.9% |
| Oklahoma | $1,104 | $28 | 2.6% |
| Oregon | $984 | -$92 | -8.6% |
| Pennsylvania | $1,028 | -$48 | -4.5% |
| Rhode Island | $1,434 | $358 | 33.3% |
| South Carolina | $974 | -$102 | -9.5% |
| South Dakota | $908 | -$168 | -15.6% |
| Tennessee | $944 | -$132 | -12.3% |
| Texas | $1,298 | $222 | 20.6% |
| Utah | $796 | -$280 | -26.0% |
| Vermont | $736 | -$340 | -31.6% |
| Virginia | $644 | -$432 | -40.1% |
| Washington | $830 | -$246 | -22.9% |
| West Virginia | $984 | -$92 | -8.6% |
| Wisconsin | $744 | -$332 | -30.9% |
| Wyoming | $960 | -$116 | -10.8% |
Choosing high deductibles could save up to $300 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $430 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out $1,300 to $1,800 additional per year, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 135% more than average. View High Risk Driver Rates
With so much variability in rates, the best way to find out which company is cheapest is to do a rate comparison and see which company has the best rate. Every company uses a different rate calculation, and rates can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda 6 I Sport 4-Dr Sedan | $1,016 | $85 |
| Mazda 6 I SV 4-Dr Sedan | $1,016 | $85 |
| Mazda 6 I Touring 4-Dr Sedan | $1,038 | $87 |
| Mazda 6 I Touring Plus 4-Dr Sedan | $1,062 | $89 |
| Mazda 6 I Touring Plus 4-Dr Sedan | $1,062 | $89 |
| Mazda 6 I Grand Touring 4-Dr Sedan | $1,084 | $90 |
| Mazda 6 S Grand Touring 4-Dr Sedan | $1,120 | $93 |
| Mazda 6 S Grand Touring 6 Cyl 4-Dr Sedan | $1,120 | $93 |
| Mazda 6 S Touring Plus 6 Cyl 4-Dr Sedan | $1,106 | $92 |
| Mazda 6 S Touring Plus 4-Dr Sedan | $1,106 | $92 |
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 | $284 | $524 | $416 | $1,382 |
| 2020 Mazda 6 | $274 | $502 | $430 | $1,364 |
| 2019 Mazda 6 | $260 | $484 | $442 | $1,344 |
| 2018 Mazda 6 | $250 | $450 | $452 | $1,310 |
| 2017 Mazda 6 | $240 | $424 | $456 | $1,278 |
| 2016 Mazda 6 | $230 | $380 | $460 | $1,228 |
| 2015 Mazda 6 | $214 | $350 | $460 | $1,182 |
| 2014 Mazda 6 | $206 | $328 | $464 | $1,156 |
| 2013 Mazda 6 | $202 | $306 | $474 | $1,140 |
| 2012 Mazda 6 | $186 | $284 | $474 | $1,102 |
| 2011 Mazda 6 | $182 | $258 | $478 | $1,076 |
| 2010 Mazda 6 | $170 | $236 | $474 | $1,038 |
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 Best Cheap Mazda 6 Insurance
Saving money on car insurance not only requires having a good driving record, but also having a good credit history, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop every other policy renewal by getting quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.
The next list is a quick review of the ideas that were touched on in the above illustrations.
- Drivers age 20 and younger are expensive to insure, with premiums as much as $357 per month including comprehensive and collision insurance
- Higher risk drivers with a DUI or reckless driving violation may pay on average $1,240 more annually to buy Mazda 6 insurance
- Increasing deductibles can save around $300 each year
- You may be able to save approximately $120 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,288 |
| 20 | $2,462 |
| 30 | $1,098 |
| 40 | $1,076 |
| 50 | $988 |
| 60 | $966 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,266 |
| $250 | $1,180 |
| $500 | $1,076 |
| $1,000 | $974 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,076 |
| 50/100 | $1,202 |
| 100/300 | $1,321 |
| 250/500 | $1,632 |
| 100 CSL | $1,249 |
| 300 CSL | $1,512 |
| 500 CSL | $1,704 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,056 |
| 20 | $3,928 |
| 30 | $2,342 |
| 40 | $2,318 |
| 50 | $2,216 |
| 60 | $2,194 |
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 | $55 |
| Multi-vehicle | $58 |
| Homeowner | $19 |
| 5-yr Accident Free | $68 |
| 5-yr Claim Free | $68 |
| Paid in Full/EFT | $40 |
| Advance Quote | $48 |
| Online Quote | $73 |
| Total Discounts | $429 |
Discounts are estimated and may not be available from every company or in every state.
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