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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Estimated insurance rates for a Mazda 6 are $1,038 a year for full coverage insurance. Comprehensive costs on average $170, collision insurance costs $236, and liability is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs around $2,236. Teens pay the most at up to $4,164 a year.
Average premium for full coverage: $1,038
Premium estimates by type of coverage:
Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and for all 6 models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Mazda 6 range from as low as $522 for basic liability insurance to the much higher price of $2,236 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion. The example below illustrates how geographic area affects car insurance rates.
These rate differences illustrate why everyone should compare rates quotes based on a specific location and risk profile, instead of making a decision based on averaged prices.
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.
Rate Comparisons
The chart below illustrates average Mazda 6 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $628
- Raising to $1,000 deductibles will save around $94 each year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,038
- Selecting pricier low deductibles will increase the cost to $1,212
- Drivers with serious driving violations could pay upwards of $2,236
- An auto insurance policy for full coverage for a 16-year-old driver for full coverage may cost $4,164
Insurance prices for a Mazda 6 also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.
A more mature driver with a clean driving record and high deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay upwards of $4,100 a year. View Rates by Age
Where you choose to live also has a big influence on Mazda 6 insurance prices. A middle-age driver might find prices as low as $680 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,400 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $938 | -$100 | -9.6% |
| Alaska | $794 | -$244 | -23.5% |
| Arizona | $860 | -$178 | -17.1% |
| Arkansas | $1,038 | -$0 | 0.0% |
| California | $1,182 | $144 | 13.9% |
| Colorado | $990 | -$48 | -4.6% |
| Connecticut | $1,066 | $28 | 2.7% |
| Delaware | $1,174 | $136 | 13.1% |
| Florida | $1,298 | $260 | 25.0% |
| Georgia | $956 | -$82 | -7.9% |
| Hawaii | $746 | -$292 | -28.1% |
| Idaho | $700 | -$338 | -32.6% |
| Illinois | $772 | -$266 | -25.6% |
| Indiana | $780 | -$258 | -24.9% |
| Iowa | $700 | -$338 | -32.6% |
| Kansas | $986 | -$52 | -5.0% |
| Kentucky | $1,416 | $378 | 36.4% |
| Louisiana | $1,532 | $494 | 47.6% |
| Maine | $640 | -$398 | -38.3% |
| Maryland | $854 | -$184 | -17.7% |
| Massachusetts | $830 | -$208 | -20.0% |
| Michigan | $1,802 | $764 | 73.6% |
| Minnesota | $868 | -$170 | -16.4% |
| Mississippi | $1,242 | $204 | 19.7% |
| Missouri | $920 | -$118 | -11.4% |
| Montana | $1,114 | $76 | 7.3% |
| Nebraska | $818 | -$220 | -21.2% |
| Nevada | $1,244 | $206 | 19.8% |
| New Hampshire | $746 | -$292 | -28.1% |
| New Jersey | $1,160 | $122 | 11.8% |
| New Mexico | $918 | -$120 | -11.6% |
| New York | $1,092 | $54 | 5.2% |
| North Carolina | $598 | -$440 | -42.4% |
| North Dakota | $848 | -$190 | -18.3% |
| Ohio | $714 | -$324 | -31.2% |
| Oklahoma | $1,066 | $28 | 2.7% |
| Oregon | $950 | -$88 | -8.5% |
| Pennsylvania | $990 | -$48 | -4.6% |
| Rhode Island | $1,382 | $344 | 33.1% |
| South Carolina | $940 | -$98 | -9.4% |
| South Dakota | $876 | -$162 | -15.6% |
| Tennessee | $908 | -$130 | -12.5% |
| Texas | $1,250 | $212 | 20.4% |
| Utah | $768 | -$270 | -26.0% |
| Vermont | $712 | -$326 | -31.4% |
| Virginia | $622 | -$416 | -40.1% |
| Washington | $802 | -$236 | -22.7% |
| West Virginia | $950 | -$88 | -8.5% |
| Wisconsin | $720 | -$318 | -30.6% |
| Wyoming | $924 | -$114 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $270 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,200 to $1,800 extra annually, depending on your age. Mazda 6 insurance for high-risk drivers is expensive and can cost from 43% to 129% more than the average policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda 6 I Sport 4-Dr Sedan | $984 | $82 |
| Mazda 6 I SV 4-Dr Sedan | $984 | $82 |
| Mazda 6 I Touring 4-Dr Sedan | $1,004 | $84 |
| Mazda 6 I Touring Plus 4-Dr Sedan | $1,024 | $85 |
| Mazda 6 I Touring Plus 4-Dr Sedan | $1,024 | $85 |
| Mazda 6 I Grand Touring 4-Dr Sedan | $1,044 | $87 |
| Mazda 6 S Grand Touring 4-Dr Sedan | $1,078 | $90 |
| Mazda 6 S Grand Touring 6 Cyl 4-Dr Sedan | $1,078 | $90 |
| Mazda 6 S Touring Plus 6 Cyl 4-Dr Sedan | $1,064 | $89 |
| Mazda 6 S Touring Plus 4-Dr Sedan | $1,064 | $89 |
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 | $274 | $502 | $430 | $1,364 |
| 2020 Mazda 6 | $260 | $484 | $442 | $1,344 |
| 2019 Mazda 6 | $250 | $450 | $452 | $1,310 |
| 2018 Mazda 6 | $240 | $424 | $456 | $1,278 |
| 2017 Mazda 6 | $230 | $380 | $460 | $1,228 |
| 2016 Mazda 6 | $214 | $350 | $460 | $1,182 |
| 2015 Mazda 6 | $206 | $328 | $464 | $1,156 |
| 2014 Mazda 6 | $202 | $306 | $474 | $1,140 |
| 2013 Mazda 6 | $186 | $284 | $474 | $1,102 |
| 2012 Mazda 6 | $182 | $258 | $478 | $1,076 |
| 2011 Mazda 6 | $170 | $236 | $474 | $1,038 |
| 2010 Mazda 6 | $160 | $214 | $474 | $1,006 |
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 Find Affordable Mazda 6 Insurance
Finding better rates on insurance for a Mazda 6 consists of avoiding accidents and claims, maintaining good credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Invest the time to compare rates every other policy renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The points below are a brief review of the ideas that were presented in the illustrations above.
- Drivers under the age of 20 pay the highest prices, with premiums being up to $347 per month for full coverage
- Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,200 more each year to insure a Mazda 6
- Increasing policy deductibles can save around $275 each year
- It is possible to save as much as $120 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,164 |
| 20 | $2,374 |
| 30 | $1,056 |
| 40 | $1,038 |
| 50 | $952 |
| 60 | $932 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,212 |
| $250 | $1,132 |
| $500 | $1,038 |
| $1,000 | $944 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,038 |
| 50/100 | $1,159 |
| 100/300 | $1,277 |
| 250/500 | $1,585 |
| 100 CSL | $1,206 |
| 300 CSL | $1,467 |
| 500 CSL | $1,657 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,870 |
| 20 | $3,788 |
| 30 | $2,254 |
| 40 | $2,236 |
| 50 | $2,136 |
| 60 | $2,114 |
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 | $53 |
| Multi-vehicle | $56 |
| Homeowner | $18 |
| 5-yr Accident Free | $64 |
| 5-yr Claim Free | $65 |
| Paid in Full/EFT | $38 |
| Advance Quote | $46 |
| Online Quote | $70 |
| Total Discounts | $410 |
Discounts are estimated and may not be available from every company or in every state.
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