Mazda 6 Insurance Rates
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UPDATED: Apr 10, 2024
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Average insurance prices for a Mazda 6 are $1,076 every 12 months with full coverage. Comprehensive insurance costs around $182 a year, collision costs $258, and liability coverage is estimated at $478. Buying just liability costs approximately $526 a year, with insurance for high-risk drivers costing $2,318 or more. Teenage drivers receive the highest rates at $4,288 a year or more.
Average premium for full coverage: $1,076
Rate estimates for individual coverage type:
Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and 6 trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the cheapest price of $526 for just liability coverage to a high of $2,318 for a driver who has had serious violations or accidents.
Price Range by Location
Living in a larger city has a large influence on insurance rates. Areas with sparse population tend to have more infrequent collision claims than densely populated cities.
The diagram below illustrates how your location can change auto insurance rates.
These examples demonstrate why it is important to get quotes for a specific zip code and their own driving history, rather than using average rates.
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 estimated Mazda 6 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $647
- Choosing higher $1,000 deductibles can save about $974 annually
- The average price for a 40-year-old driver using $500 deductibles is $1,076
- Using low $100 deductibles for comp and collision coverage costs an extra $190 each year
- Drivers who are prone to accidents and violations could pay at least $2,318 or more
- The cost to insure a teenage driver can be $4,288 each year
Auto insurance rates for a Mazda 6 can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.
Using high physical damage deductibles can save as much as $300 a year, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $430 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may only pay around $1,000 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $4,200 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,300 to $1,800 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges around 42% to 135% more than a normal policy. View High Risk Driver Rates
Where you live plays a big part in determining prices for Mazda 6 insurance rates. A good driver about age 40 could pay as low as $780 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,450 on average in Florida, Michigan, and New York.
| 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% |
With so much variability in rates, the best way to find out your exact price is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate rates, and quoted rates can be significantly different.
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 Shop for More Affordable Mazda 6 Insurance
Saving money on auto insurance takes avoiding accidents and claims, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to shop around every other policy renewal by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The points below are a summary of the ideas that were illustrated above.
- Drivers under the age of 20 are expensive to insure, with premiums as much as $357 per month if comprehensive and collision insurance is included
- Drivers who have multiple accidents or major violations pay on average $1,240 more every year to insure a Mazda 6
- Increasing deductibles could save as much as $300 each year
- You may be able to save up to $120 per year simply by quoting early and online
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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