Mazda 6 Insurance Rates

The average insurance rates for a Mazda 6 are $1,006 a year for full coverage. Comprehensive costs an estimated $160 a year, collision costs $214, and liability coverage costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing around $2,164. Teenage drivers cost the most to insure at $4,064 a year or more.

Average premium for full coverage: $1,006

Policy rates broken down by type of insurance:

Includes $500 physical damage deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and 6 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. More rural locations are shown to have a lower frequency of accident claims than densely populated cities.

The diagram below illustrates how rural and urban location affects insurance prices.

The examples above show why it is important to compare rates for a targeted area and risk profile, rather than using average rates.

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

More Rate Information

The chart below shows estimated Mazda 6 insurance rates for other coverage scenarios.

• The best discount rate is $610
• Drivers who choose higher $1,000 deductibles will pay approximately $920 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,006
• Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,166
• High-risk insureds who are prone to accidents and violations could pay up to $2,164 or more
• Policy cost for full coverage for a teenage driver can cost as much as $4,064 a year

View Chart as Image

Insurance rates for a Mazda 6 also range considerably based on your risk profile, the trim level of your 6, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $4,000 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 $660 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,440 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $250 a year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,200 to $1,700 additional every year, depending on your age. A high-risk auto insurance policy can cost around 42% to 133% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes and see how they stack up. Every company uses a different method to calculate rates, and rates will be varied from one company to the next.

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 the Cheapest Mazda 6 Insurance

Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around once a year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below is a recap of the data that was raised in the charts and tables above.

• Drivers can save approximately $110 per year simply by quoting early and online
• Consumers who want higher levels of liability will pay an extra $520 each year to go from a 30/60 limit to 250/500 limits
• Teenage drivers are expensive to insure, costing up to $339 each month including comprehensive and collision insurance
• Drivers that have major violations or accidents pay an average of $1,160 more annually for auto insurance