Mazda 6 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Apr 10, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
The average insurance prices for a Mazda 6 are $1,006 every 12 months for full coverage. Comprehensive costs approximately $160 each year, collision costs $214, and liability insurance is $474. A liability-only policy costs around $522 a year, with high-risk insurance costing around $2,164. 16-year-old drivers cost the most to insure at $4,064 a year or more.
Average premium for full coverage: $1,006
Policy rates by type of insurance:
Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and 6 models.
Price Range Variability
For a driver around age 40, Mazda 6 insurance rates go from the cheapest price of $522 for liability-only coverage to a high rate of $2,164 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Rural locations are shown to have more infrequent accident claims than congested cities.
The graphic below illustrates the difference between rural and urban areas on auto insurance prices.
The examples above show why all drivers should compare rates quotes using their specific location 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 shows estimated Mazda 6 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $610
- Raising to $1,000 deductibles will save $86 a year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,006
- Buying low deductibles increases the price to $1,166
- Higher-risk drivers with multiple tickets or accidents could pay around $2,164 or more
- Policy cost to insure a teen driver can cost $4,064
Car insurance rates for a Mazda 6 also range considerably based on liability limits and deductibles, your driver profile, and the model of your 6.
Opting for high physical damage deductibles can reduce rates by up to $250 each year, whereas increasing liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles could pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged in the ballpark of $4,000 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 133% more than the average rate. View High Risk Driver Rates
Your home state also has a big influence on Mazda 6 insurance rates. A middle-age driver might find rates as low as $660 a year in states like Iowa, Maine, and Idaho, or at least $1,440 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $910 | -$96 | -9.5% |
| Alaska | $770 | -$236 | -23.5% |
| Arizona | $834 | -$172 | -17.1% |
| Arkansas | $1,006 | -$0 | 0.0% |
| California | $1,146 | $140 | 13.9% |
| Colorado | $960 | -$46 | -4.6% |
| Connecticut | $1,034 | $28 | 2.8% |
| Delaware | $1,138 | $132 | 13.1% |
| Florida | $1,260 | $254 | 25.2% |
| Georgia | $928 | -$78 | -7.8% |
| Hawaii | $722 | -$284 | -28.2% |
| Idaho | $678 | -$328 | -32.6% |
| Illinois | $748 | -$258 | -25.6% |
| Indiana | $756 | -$250 | -24.9% |
| Iowa | $678 | -$328 | -32.6% |
| Kansas | $958 | -$48 | -4.8% |
| Kentucky | $1,372 | $366 | 36.4% |
| Louisiana | $1,486 | $480 | 47.7% |
| Maine | $620 | -$386 | -38.4% |
| Maryland | $828 | -$178 | -17.7% |
| Massachusetts | $804 | -$202 | -20.1% |
| Michigan | $1,748 | $742 | 73.8% |
| Minnesota | $840 | -$166 | -16.5% |
| Mississippi | $1,204 | $198 | 19.7% |
| Missouri | $892 | -$114 | -11.3% |
| Montana | $1,080 | $74 | 7.4% |
| Nebraska | $792 | -$214 | -21.3% |
| Nevada | $1,206 | $200 | 19.9% |
| New Hampshire | $722 | -$284 | -28.2% |
| New Jersey | $1,122 | $116 | 11.5% |
| New Mexico | $892 | -$114 | -11.3% |
| New York | $1,060 | $54 | 5.4% |
| North Carolina | $580 | -$426 | -42.3% |
| North Dakota | $822 | -$184 | -18.3% |
| Ohio | $694 | -$312 | -31.0% |
| Oklahoma | $1,034 | $28 | 2.8% |
| Oregon | $920 | -$86 | -8.5% |
| Pennsylvania | $960 | -$46 | -4.6% |
| Rhode Island | $1,340 | $334 | 33.2% |
| South Carolina | $910 | -$96 | -9.5% |
| South Dakota | $848 | -$158 | -15.7% |
| Tennessee | $882 | -$124 | -12.3% |
| Texas | $1,212 | $206 | 20.5% |
| Utah | $744 | -$262 | -26.0% |
| Vermont | $690 | -$316 | -31.4% |
| Virginia | $602 | -$404 | -40.2% |
| Washington | $780 | -$226 | -22.5% |
| West Virginia | $920 | -$86 | -8.5% |
| Wisconsin | $696 | -$310 | -30.8% |
| Wyoming | $896 | -$110 | -10.9% |
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to do a rate comparison from as many companies as possible. Every auto insurance company utilizes a different rate formula, so rate quotes will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda 6 I Sport 4-Dr Sedan | $956 | $80 |
| Mazda 6 I SV 4-Dr Sedan | $956 | $80 |
| Mazda 6 I Touring 4-Dr Sedan | $974 | $81 |
| Mazda 6 I Touring Plus 4-Dr Sedan | $994 | $83 |
| Mazda 6 I Touring Plus 4-Dr Sedan | $994 | $83 |
| Mazda 6 I Grand Touring 4-Dr Sedan | $1,012 | $84 |
| Mazda 6 S Grand Touring 4-Dr Sedan | $1,044 | $87 |
| Mazda 6 S Grand Touring 6 Cyl 4-Dr Sedan | $1,044 | $87 |
| Mazda 6 S Touring Plus 6 Cyl 4-Dr Sedan | $1,032 | $86 |
| Mazda 6 S Touring Plus 4-Dr Sedan | $1,032 | $86 |
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 | $260 | $484 | $442 | $1,344 |
| 2020 Mazda 6 | $250 | $450 | $452 | $1,310 |
| 2019 Mazda 6 | $240 | $424 | $456 | $1,278 |
| 2018 Mazda 6 | $230 | $380 | $460 | $1,228 |
| 2017 Mazda 6 | $214 | $350 | $460 | $1,182 |
| 2016 Mazda 6 | $206 | $328 | $464 | $1,156 |
| 2015 Mazda 6 | $202 | $306 | $474 | $1,140 |
| 2014 Mazda 6 | $186 | $284 | $474 | $1,102 |
| 2013 Mazda 6 | $182 | $258 | $478 | $1,076 |
| 2012 Mazda 6 | $170 | $236 | $474 | $1,038 |
| 2011 Mazda 6 | $160 | $214 | $474 | $1,006 |
| 2010 Mazda 6 | $154 | $192 | $468 | $972 |
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 Shop for the Best Mazda 6 Insurance
Finding cheaper rates on Mazda 6 insurance consists of being a good driver, maintaining a good credit score, avoid buying unnecessary coverage, and avoiding coverage lapses. Set aside time to compare rates every other policy renewal by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.
The following list is a brief recap of the ideas that were covered above.
- Drivers age 16 to 20 pay the highest auto insurance rates, costing up to $339 each month if the policy includes full coverage
- High-risk drivers who tend to receive serious violations may pay on average $1,160 more per year than a safer driver
- Increasing comprehensive and collision deductibles could save as much as $250 each year
- Drivers can save around $110 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,064 |
| 20 | $2,300 |
| 30 | $1,022 |
| 40 | $1,006 |
| 50 | $922 |
| 60 | $904 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,166 |
| $250 | $1,094 |
| $500 | $1,006 |
| $1,000 | $920 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,006 |
| 50/100 | $1,127 |
| 100/300 | $1,245 |
| 250/500 | $1,553 |
| 100 CSL | $1,174 |
| 300 CSL | $1,435 |
| 500 CSL | $1,625 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,722 |
| 20 | $3,670 |
| 30 | $2,180 |
| 40 | $2,164 |
| 50 | $2,070 |
| 60 | $2,048 |
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 | $51 |
| Multi-vehicle | $55 |
| Homeowner | $18 |
| 5-yr Accident Free | $61 |
| 5-yr Claim Free | $63 |
| Paid in Full/EFT | $36 |
| Advance Quote | $44 |
| Online Quote | $68 |
| Total Discounts | $396 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
