Mazda 6 Insurance Rates

The average insurance rates for a Mazda 6 are $1,038 a year for full coverage insurance. Comprehensive costs an estimated $170, collision insurance costs $236, and liability insurance costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs around $2,236. Teenage drivers cost the most to insure at up to $4,164 a year.

Average premium for full coverage: $1,038

Policy rates broken down by type of insurance:

These estimates include $500 deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for all 6 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than densely populated cities. The example below illustrates how location impacts insurance prices.

The examples above illustrate why everyone should compare rates for a targeted area, rather than relying on average rates.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below illustrates average Mazda 6 insurance rates for other coverage scenarios.

• The best discount rate is $628
• Drivers who choose higher $1,000 deductibles will pay approximately $94 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,038
• Using pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,212
• High risk drivers who are prone to accidents and violations could pay up to $2,236
• Policy cost that insures a teen driver for full coverage can cost as much as $4,164 a year

View Chart as Image

Insurance rates for a Mazda 6 also range considerably based on the model of your 6, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,200 to $1,800 additional every year, depending on your age. Mazda 6 insurance for high-risk drivers can cost anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,100 a year. View Rates by Age

Your home state makes a big difference in Mazda 6 insurance rates. A 40-year-old driver could pay as low as $680 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,400 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $270 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheap Mazda 6 Insurance

Finding cheaper rates on Mazda 6 insurance not only requires not taking risks behind the wheel, but also having a good credit score, being claim-free, and possibly raising deductibles. Compare prices once a year by requesting quotes from direct insurance companies, and also from local insurance agencies.

The following is a brief summary of the data that was touched on above.

• It is possible to save approximately $120 per year just by quoting online well ahead of the renewal date
• Drivers who want higher liability limits will pay an extra $520 annually to go from a 30/60 limit to the 250/500 level
• Teens are expensive to insure, possibly costing $347 each month if comprehensive and collision insurance is included
• High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,200 more annually for 6 insurance