Mazda 6 Insurance Rates
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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
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The average auto insurance rates for a Mazda 6 are $1,006 annually with full coverage. Comprehensive insurance costs on average $160 a year, collision insurance costs $214, and liability is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs $2,164 or more. 16-year-old drivers cost the most to insure at up to $4,064 a year.
Average premium for full coverage: $1,006
Policy rates by type of insurance:
Includes $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and 6 trim levels.
Price Range Variability
For a 40-year-old driver, Mazda 6 insurance rates range from as cheap as $522 for just liability coverage to a high of $2,164 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas are shown to have fewer collision claims than congested cities. The diagram below illustrates how your location can change car insurance rates.
The examples above demonstrate why it is important to compare rates quotes based on a specific location and their own personal driving habits, instead of using 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.
Detailed Rate Analysis
The chart below details average Mazda 6 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $610
- Raising to $1,000 deductibles will save around $920 annually
- The estimated rate for a good driver age 40 with $500 deductibles is $1,006
- Buying low $100 deductibles costs an additional $160 every year
- At-risk drivers with multiple tickets or accidents could pay upwards of $2,164
- Policy cost with full coverage for a teen driver may cost $4,064
Insurance rates for a Mazda 6 also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $4,000 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,200 to $1,700 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $250 every year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Mazda 6 insurance prices. A middle-age driver might find rates as low as $720 a year in states like New Hampshire, Ohio, and Utah, or at least $1,360 on average in Florida, Michigan, and New York.
| 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% |
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 Buy the Cheapest Mazda 6 Insurance
Finding cheaper rates on car insurance consists of being a good driver, having good credit, not filing small claims, and dropping full coverage on older vehicles. Invest the time to shop around every couple of years by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The following list is a recap of the material that was illustrated above.
- Policyholders who require an increased level of liability coverage will pay around $520 every year to raise from a 30/60 limit to higher 250/500 limits
- Drivers age 16 to 20 pay higher rates, as much as $339 each month if they have full coverage
- Higher risk drivers that have major violations or accidents pay an average of $1,160 more each year than a safer driver
- Increasing comprehensive and collision deductibles could save up to $250 each year
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.
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