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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Average auto insurance rates for a Mazda 6 are $1,006 annually including full coverage. Comprehensive insurance costs approximately $160, collision costs $214, and liability insurance is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing $2,164 or more. Teens receive the highest rates at $4,064 a year or more.
Average premium for full coverage: $1,006
Rate estimates by individual coverage type:
Prices include $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all 6 models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as cheap as $522 for basic liability insurance to the much higher price of $2,164 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city has a significant impact on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates the difference location can make on auto insurance prices.
These examples highlight why everyone should compare rates quotes using their specific location and their own personal driving habits, rather than relying 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 breaks down estimated Mazda 6 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $610
- Raising to $1,000 deductibles will save $86 every year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,006
- Selecting pricier low deductibles costs an additional $160 a year
- Higher-risk drivers with serious driving violations could pay around $2,164 or more
- The cost with full coverage for a teen driver for full coverage can cost $4,064
Auto insurance rates for a Mazda 6 can also vary considerably based on the trim level of your 6, your driving characteristics, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,200 to $1,700 in extra premium per year, depending on your age. Mazda 6 insurance for high-risk drivers is expensive and can cost anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $250 each year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Mazda 6 insurance rates. A middle-age driver might find rates as low as $770 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,440 on average in Louisiana, New York, 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% |
With so much variability in rates, the best way to figure out who has the best auto insurance rates is to regularly compare rates from as many companies as possible. Every auto insurance company calculates rates differently, and quoted rates can be significantly different between companies.
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 Right Mazda 6 Insurance
Saving money on Mazda 6 insurance consists of not taking risks behind the wheel, having above-average credit, not filing small claims, and not having any coverage lapses. Make time to compare rates every other policy renewal by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.
The following is a quick rundown of the ideas that were touched on in this article.
- Teens have the highest car insurance rates, as much as $339 per month if full coverage is included
- High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,160 more per year for 6 insurance
- Increasing deductibles could save up to $250 each year
- You may be able to save around $110 per year simply by quoting online well ahead of the renewal date
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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