Mazda 6 Insurance Rates

The average insurance rates for a Mazda 6 are $1,006 a year for full coverage. Comprehensive costs an estimated $160 each year, collision costs $214, and liability costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance costing around $2,164. Teenage drivers cost the most to insure at $4,064 a year or more.

Average premium for full coverage: $1,006

Policy rates broken down by type of insurance:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and 6 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. More rural locations are shown to have lower incidents of accident claims than densely populated cities.

The graphic below illustrates how location impacts insurance prices.

The examples above show why all drivers should compare prices for a targeted area, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below shows estimated Mazda 6 insurance rates for other coverage scenarios.

• The best discount rate is $610
• Using higher $1,000 deductibles will save approximately $86 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,006
• Using low deductibles for physical damage coverage bumps up the cost to $1,166
• High-risk insureds who are prone to accidents and violations could pay up to $2,164 or more
• Policy cost that insures a 16-year-old driver can cost as much as $4,064 or more

View Chart as Image

Auto insurance rates for a Mazda 6 also range considerably based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,200 to $1,700 in extra premium every year, depending on your age. Insurance for high-risk drivers can be from 42% to 133% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay at least $4,000 a year. View Rates by Age

Your home state has a huge impact on Mazda 6 insurance prices. A driver around age 40 might see rates as low as $660 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,440 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $250 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate rates, and quoted rates will be varied.

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.

How to Find Affordable Mazda 6 Insurance

Finding cheaper rates on insurance for a Mazda 6 requires avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Compare prices once a year by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The points below are a brief review of the data that was touched on above.

• Drivers can save approximately $110 per year simply by quoting online in advance
• Insureds who want increased liability limits will pay an extra $520 each year to increase from a 30/60 limit to the 250/500 level
• Drivers under the age of 20 are the costliest to insure, costing up to $339 each month if the policy includes full coverage
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,160 more annually to insure a Mazda 6