Mazda 6 Insurance Rates
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UPDATED: Apr 10, 2024
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Estimated insurance rates for a Mazda 6 are $1,076 a year with full coverage. Comprehensive insurance costs around $182 a year, collision insurance costs $258, and liability costs $478. A policy with only liability insurance costs as little as $526 a year, and a high-risk policy costs $2,318 or more. Teenage drivers pay the most at up to $4,288 a year.
Average premium for full coverage: $1,076
Premium estimates for type of coverage:
Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and 6 trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Mazda 6 range from the low end price of $526 for a discount liability-only rate to a high of $2,318 for coverage for higher-risk drivers.
Insurance Price Range by Location
Your location can make a big difference on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than densely populated cities. The diagram below illustrates the difference location can make on auto insurance rates.
These rate differences demonstrate why it is important to compare rates for a specific zip code, instead of making a decision based on 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.
Rates by State, City, and Model
The chart below details average Mazda 6 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $647
- Drivers who choose higher $1,000 deductibles will pay about $974 annually
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,076
- Using low $100 deductibles for comprehensive and collision insurance will cost an additional $190 annually
- Drivers who are prone to accidents and violations could pay at least $2,318
- An auto insurance policy that insures a 16-year-old driver can be $4,288 a year
Car insurance prices for a Mazda 6 also have a wide range based on the trim level of your 6, your age and driving habits, and deductibles and policy limits.
If you have a few violations or you caused an accident, you may be forking out at least $1,300 to $1,800 extra annually, depending on your age. A high-risk auto insurance policy can cost from 42% to 135% more than a normal policy. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,000 per year on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged as much as $4,200 a year. View Rates by Age
Where you choose to live makes a big difference in Mazda 6 insurance prices. A 40-year-old driver 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% |
Using high physical damage deductibles could save up to $300 annually, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $430 extra every 12 months. View Rates by Deductible or Liability Limit
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 Find Cheaper Mazda 6 Insurance
Finding better rates on insurance for a Mazda 6 not only requires avoiding accidents and claims, but also having a positive credit history, being claim-free, and consideration of higher deductibles. Compare prices at least once a year by getting quotes from direct companies, and also from your local independent and exclusive agents.
The points below are a condensed summary of the primary concepts that were touched on in this article.
- You may be able to save up to $120 per year just by quoting early and online
- Drivers considered higher risk with multiple at-fault accidents may pay on average $1,240 more every year to insure a Mazda 6
- Increasing policy deductibles can save approximately $300 each year
- Drivers under the age of 20 are the costliest to insure, possibly costing $357 per month if full coverage is purchased
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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