Mazda 5 Insurance Rates
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UPDATED: May 14, 2024
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The average insurance prices for a Mazda 5 are $968 every 12 months with full coverage. Comprehensive insurance costs an estimated $176 each year, collision insurance costs $254, and liability insurance costs $402. Liability-only insurance costs as little as $446 a year, and high-risk driver insurance costs $2,086 or more. 16-year-old drivers cost the most to insure at up to $3,798 a year.
Average premium for full coverage: $968
Policy rates broken down by type of insurance:
Rates are based on $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and 5 models.
Price Range Variability
For a driver in their 40's, Mazda 5 insurance rates range from the cheapest price of $446 for liability-only coverage to a high rate of $2,086 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. More rural locations are shown to have more infrequent collision claims than congested cities. The graphic below illustrates how location helps determine insurance prices.
The examples above demonstrate why all drivers should compare rates for a targeted area and their own driving history, rather than relying on 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.
Additional Charts and Tables
The chart below details average Mazda 5 insurance rates for other coverage scenarios.
- The best full coverage rate is $578
- Drivers who choose higher $1,000 deductibles will pay approximately $98 annually
- The average price for a good driver age 40 who has $500 deductibles is $968
- Buying low deductibles for comprehensive and collision insurance costs an extra $188 a year
- High risk drivers with multiple tickets or accidents could pay up to $2,086
- Policy cost to insure a teen driver can cost as much as $3,798 a year
Auto insurance rates for a Mazda 5 also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.
Opting for high physical damage deductibles could save up to $290 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles could pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $3,700 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,100 to $1,600 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 126% more than the average rate. View High Risk Driver Rates
Your home state makes a big difference in Mazda 5 insurance rates. A 40-year-old driver could pay as low as $700 a year in states like Utah, Ohio, and New Hampshire, or at least $1,310 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $876 | -$92 | -9.5% |
| Alaska | $744 | -$224 | -23.1% |
| Arizona | $804 | -$164 | -16.9% |
| Arkansas | $968 | -$0 | 0.0% |
| California | $1,102 | $134 | 13.8% |
| Colorado | $924 | -$44 | -4.5% |
| Connecticut | $994 | $26 | 2.7% |
| Delaware | $1,094 | $126 | 13.0% |
| Florida | $1,208 | $240 | 24.8% |
| Georgia | $896 | -$72 | -7.4% |
| Hawaii | $694 | -$274 | -28.3% |
| Idaho | $656 | -$312 | -32.2% |
| Illinois | $722 | -$246 | -25.4% |
| Indiana | $730 | -$238 | -24.6% |
| Iowa | $652 | -$316 | -32.6% |
| Kansas | $920 | -$48 | -5.0% |
| Kentucky | $1,320 | $352 | 36.4% |
| Louisiana | $1,434 | $466 | 48.1% |
| Maine | $598 | -$370 | -38.2% |
| Maryland | $800 | -$168 | -17.4% |
| Massachusetts | $772 | -$196 | -20.2% |
| Michigan | $1,680 | $712 | 73.6% |
| Minnesota | $812 | -$156 | -16.1% |
| Mississippi | $1,160 | $192 | 19.8% |
| Missouri | $858 | -$110 | -11.4% |
| Montana | $1,040 | $72 | 7.4% |
| Nebraska | $760 | -$208 | -21.5% |
| Nevada | $1,162 | $194 | 20.0% |
| New Hampshire | $698 | -$270 | -27.9% |
| New Jersey | $1,082 | $114 | 11.8% |
| New Mexico | $856 | -$112 | -11.6% |
| New York | $1,020 | $52 | 5.4% |
| North Carolina | $558 | -$410 | -42.4% |
| North Dakota | $794 | -$174 | -18.0% |
| Ohio | $668 | -$300 | -31.0% |
| Oklahoma | $992 | $24 | 2.5% |
| Oregon | $888 | -$80 | -8.3% |
| Pennsylvania | $922 | -$46 | -4.8% |
| Rhode Island | $1,290 | $322 | 33.3% |
| South Carolina | $878 | -$90 | -9.3% |
| South Dakota | $816 | -$152 | -15.7% |
| Tennessee | $846 | -$122 | -12.6% |
| Texas | $1,166 | $198 | 20.5% |
| Utah | $716 | -$252 | -26.0% |
| Vermont | $660 | -$308 | -31.8% |
| Virginia | $580 | -$388 | -40.1% |
| Washington | $746 | -$222 | -22.9% |
| West Virginia | $888 | -$80 | -8.3% |
| Wisconsin | $668 | -$300 | -31.0% |
| Wyoming | $860 | -$108 | -11.2% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda 5 Sport Station Wagon | $916 | $76 |
| Mazda 5 Touring Station Wagon | $986 | $82 |
| Mazda 5 Grand Touring Station Wagon | $1,010 | $84 |
Rates assume 2014 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 |
|---|---|---|---|---|
| 2015 Mazda 5 | $180 | $272 | $394 | $982 |
| 2014 Mazda 5 | $176 | $254 | $402 | $968 |
| 2013 Mazda 5 | $164 | $236 | $402 | $938 |
| 2012 Mazda 5 | $158 | $214 | $406 | $914 |
| 2010 Mazda 5 | $140 | $178 | $402 | $856 |
Rates are averaged for all Mazda 5 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 the Best Cheap Mazda 5 Insurance
Finding cheaper rates on Mazda 5 insurance not only requires avoiding accidents and claims, but also having a good credit score, not filing small claims, and consideration of higher deductibles. Invest time comparing rates at every policy renewal by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.
The points below are a quick review of the data covered in the charts and tables above.
- Drivers who want increased liability limits will pay around $440 every year to go from a 30/60 limit to a 250/500 level
- You may be able to save approximately $110 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles could save as much as $275 each year
- Drivers under the age of 20 are the costliest to insure, as much as $317 each month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,798 |
| 20 | $2,214 |
| 30 | $992 |
| 40 | $968 |
| 50 | $888 |
| 60 | $872 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,156 |
| $250 | $1,070 |
| $500 | $968 |
| $1,000 | $870 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $968 |
| 50/100 | $1,090 |
| 100/300 | $1,191 |
| 250/500 | $1,452 |
| 100 CSL | $1,131 |
| 300 CSL | $1,352 |
| 500 CSL | $1,513 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,376 |
| 20 | $3,526 |
| 30 | $2,112 |
| 40 | $2,086 |
| 50 | $1,990 |
| 60 | $1,972 |
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 | $50 |
| Multi-vehicle | $52 |
| Homeowner | $16 |
| 5-yr Accident Free | $62 |
| 5-yr Claim Free | $61 |
| Paid in Full/EFT | $38 |
| Advance Quote | $44 |
| Online Quote | $67 |
| Total Discounts | $390 |
Discounts are estimated and may not be available from every company or in every state.
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