Mazda 6 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• Insuring a Mazda 6 costs about the same as insuring the average car.
• Full coverage for a 6 usually tends to be around $173 per month, while liability only insurance rates come in at about $89.
• Hugo provides the cheapest average premiums for a 6 with liability only coverage offered for sometimes as cheap as $33 a month.

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6 Overview

Coming in with a base MSRP of $24,325 for 2021 models, the Mazda 6 is a great budget-friendly car for drivers of all types. Drive off the dealership lot in style, with five different trim options available.

We analyzed thousands of auto insurance quotes on Compare.com, and we've determined that average Mazda 6 car insurance premiums run around $164 per month. Compared to other vehicles in the market, how do 6 insurance prices stack up?

How Much is Car Insurance for a Mazda 6?

In the table above, you'll find that compared to other vehicles on the road, Mazda 6 insurance premiums are about average. On average, 6 drivers will pay around $173 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $89 monthly for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).

Compared to other models, the 6 is slightly more expensive, with rates more than 5% higher than other vehicles in Mazda's lineup. Compared to offerings from other brands, auto insurance for a 6 runs close to average, with full coverage insurance premiums 2% cheaper than other cars and liability insurance rates coming in at 7% higher.

The Mazda 6 also has average prices when comparing it to vehicles of any body type, no matter what make, model, or body style they are.

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Who has the Cheapest Car Insurance for a Mazda 6?

Shopping around for an auto insurance policy for your Mazda 6? You're likely wondering which carrier offers the lowest premiums. Even though premiums can vary pretty dramatically depending on your driver profile, the lowest average rates for liability only insurance are as cheap as just $33 per month from Hugo. The next most affordable company is MetroMile, who offers car insurance as cheap as $39 a month.

Rounding out the list are CaliforniaCasualty, Fiesta, and Aspire. However, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Mazda 6.

Car insurance carriers take a whole range of variables into consideration when offering you premiums. There's only one way to make sure you find the cheapest possible rates, and that's by checking quotes from a multitude of insurance companies.

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What Factors Affect Car Insurance Rates for a Mazda 6?

There are many attributes that car insurance carriers look at to calculate how much they charge you -- and every carrier uses a different formula, so there's not one company that's the lowest for each driver.

Below are just a few of the things auto insurance companies look at and how each one affects your final rate:

Vehicle Age

The Mazda 6 has been around for a while -- that means vehicle age will likely make a difference in what you end up paying for car insurance. Usually, it costs less to insure older cars because they're worth less than newer models, and as cars age, insurance costs will gradually get lower.

From the table above, you can see the Mazda 6 is not quite in line with this trend, as the most expensive models to insure are those that are 11 to 14 years old, while the cheapest 6s are 1 or less and 2 to 3 years old, on average.

Your Age

Age plays a significant role in how much you pay for auto insurance. As you can see above, those with more experience on the road have lower rates compared to young 6 drivers. Mazda 6 drivers under 18 actually pay more than twice as much as those 25 or older.

Auto insurance prices continue to go lower as you get older, with the cheapest age group for 6 drivers being 55-64.

Your Gender

Because women are less likely to get speeding tickets and get into collisions, they run a lower risk of filing a claim with insurance. So, insurance carriers will often charge women less than men. Surprisingly, when it comes to 6 drivers specifically, men pay about 3% less than women each month for insurance.

Where You Live

You're probably already aware that factors such as how old you are and what vehicle you drive play a role in your car insurance prices, but did you know that where you live can be equally important? Because auto insurance is regulated on a state-by-state basis, premiums can change quite a bit from state to state.

For example, the average Mazda 6 owner from New York pays around $230 monthly for liability coverage. Meanwhile, the same driver in California will pay less than 50% of that price, on average. The table referenced above shows average rates for the top 10 most populous states, just to give you a good idea of how much prices can change between states.

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Mazda 6 Car Insurance Discounts

No matter your car, your home state, or your age, it's always in your best interest to take advantage of as many insurance discounts as possible.

Not every car insurance carrier will offer the same discounts, but there are a few that are relatively universal. These include discounts like:

• Multi-policy discounts for getting both your home and auto policies from the same company
• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like air bags or anti-lock brakes)
• Pay-in-full discounts for drivers who choose to pay their entire policy premium at once, rather than in monthly installments
• Multi-vehicle discounts for having more than one car on your auto policy

These are just a few of the discounts auto insurance companies offer, and sometimes the best way to save is just by having a profile that looks good to insurance carriers.

While you can't control every single aspect of your car insurance profile (like some of the variables we mentioned above), you can control some of it. Below are just a few of the ones you can use to your advantage when it comes to saving some cash:

Your Driving Record

You've most likely heard ads from insurance companies offering large savings for responsible drivers. It makes sense that your auto insurance premiums will get higher if you get into an accident or get speeding tickets. But exactly how much will these infractions cost you?

Looking at the table above, you'll see that accidents will usually cost 6 drivers more than tickets, but both will result in above average rates. Mazda 6 drivers with one ticket will pay about $95 per month, while drivers with a single accident on their record pay an average of $111 a month (up $22 from the $89/mo. overall average). The rates only go higher the more tickets you get or collisions you have.

How Much You Drive

Another variable you have control over is the total distance you drive. Those who are on the roads less often are less likely to get tickets, so they'll typically end up paying less for car insurance. Based on the table above, you can see that Mazda 6 owners who drive 10,000 miles or more pay $88 for auto insurance, while those who drive fewer than 2,500 miles every year pay an average of $87 a month.

If you drive less often than the average driver or work from home, you might consider getting a usage-based or pay-per-mile insurance policy. With these kinds of plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Mazda 6s Compare to Other Vehicles?

If you're considering purchasing a new car and a Mazda 6 is on your shortlist, you're probably wondering how it compares to other vehicles. Insurance is just one cost that comes with buying a new car, but it's certainly one that's worth considering carefully.

Visit the table below to see how the Mazda 6 compares:

With an MSRP that's a third less than the going rate for a new vehicle, the Mazda 6 is a great value when it comes to price. The 6 goes for $24,325, which is quite a bit lower than the national average vehicle price of $46,296.

Likewise, auto insurance prices run slightly below average when compared to other vehicles on the market. Full coverage insurance for a Mazda 6 is about $6 per month more than average, while liability only coverage is $12 cheaper monthly.

When it comes to usage, Mazda 6 drivers are near the national average in annual miles driven, with 12,288 miles per year compared to 11,617 for all vehicles.

Mazda 6 Car Insurance Costs by Model Year

We've walked through many of the variables that can affect a driver's car insurance rates. But if you're in thinking about buying a new car, truck, or SUV and the 6 is on your wishlist, knowing what you'll likely pay can be extremely valuable as you weigh your options.

Choose Your Model

2021 Mazda 6 Car Insurance 2020 Mazda 6 Car Insurance 2019 Mazda 6 Car Insurance 2018 Mazda 6 Car Insurance 2017 Mazda 6 Car Insurance 2016 Mazda 6 Car Insurance 2015 Mazda 6 Car Insurance 2014 Mazda 6 Car Insurance 2013 Mazda 6 Car Insurance 2012 Mazda 6 Car Insurance 2011 Mazda 6 Car Insurance 2010 Mazda 6 Car Insurance 2009 Mazda 6 Car Insurance

2021 Mazda 6 Car Insurance

The average cost to insure a 2021 6 with liability only coverage is $69 per month, while full coverage runs around $175 monthly.

If you're looking for the cheapest possible 2021 Mazda 6 insurance policy, Mercury offered the cheapest policy we found, with rates as low as $31 a month.

Want to figure out exactly what you'll be asked to pay? Get lots of free customized quotes by just entering your ZIP code below.

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2020 Mazda 6 Car Insurance

On average, drivers who own a 2020 Mazda 6 can expect to pay $61 to $204 per month for liability only and full coverage auto insurance, respectively.

Mercury has rates sometimes as low as $26 a month for the 2020 Mazda 6.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2019 Mazda 6 Car Insurance

You can expect full coverage for a 2019 6 to run about $170 monthly, while liability only coverage will average around $83 a month.

Clearcover offered the most affordable policy we found, with rates as little as just $26 per month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2018 Mazda 6 Car Insurance

It costs about $95 monthly for liability or $188 for a full coverage policy for the 2018 Mazda 6.

With prices as low as just $18 a month, Hugo offered the lowest policy we found for the 2018 Mazda 6.

Want something more accurate than national averages? Just enter your ZIP code below to get several customized quotes for free.

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2017 Mazda 6 Car Insurance

2017 6 drivers can expect to pay an average of $100 monthly for liability or $184 for full coverage.

With rates sometimes as little as $21 per month, Hugo offered the cheapest policy we found.

These average premiums are a great starting point if you're in the market for a 2017 Mazda 6, but there are a range of different things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2016 Mazda 6 Car Insurance

It costs around $84 monthly for liability or $173 for a full coverage policy for the 2016 Mazda 6.

We found Clearcover offered the lowest policy, with rates as little as $20 a month.

If you want to find the best prices for insurance for a 2016 Mazda 6, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2015 Mazda 6 Car Insurance

2015 6 drivers can expect to pay an average of $83 per month for liability or $176 for full coverage.

Looking for the most affordable policy? MetLife offered liability only coverage for as cheap as $20 monthly.

Want to know just how much you'll pay? Enter your ZIP code below to get a variety of free personalized quotes.

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2014 Mazda 6 Car Insurance

The average cost to insure a 2014 Mazda 6 with liability only coverage is $92 a month, while full coverage runs about $168 per month.

If you're looking for the most affordable 2014 Mazda 6 insurance policy, Liberty Mutual offered the lowest policy we found, with rates as low as $19 monthly.

If you want to know exactly how much you can expect to pay for your 6, just enter your ZIP code below and get free quotes in minutes.

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2013 Mazda 6 Car Insurance

You can expect full coverage for a 2013 6 to run around $160 per month, while liability only coverage will average about $83 a month.

MetLife offered the cheapest policy we found, with rates sometimes as little as $24 per month.

If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.

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2012 Mazda 6 Car Insurance

On average, drivers who own a 2012 Mazda 6 can expect to pay $83 to $168 a month for liability only and full coverage car insurance, respectively.

With rates sometimes as low as $24 monthly, Gainsco offered the most affordable policy we found for the 2012 Mazda 6.

Want to know exactly how much you'll pay? Get multiple personalized quotes for free by just entering your ZIP code below.

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2011 Mazda 6 Car Insurance

2011 6 drivers can expect to pay an average of $90 per month for liability or $166 for full coverage.

With prices as little as just $21 a month, MetLife offered the lowest policy we found.

If you want to know exactly how much you can expect to pay for your 6, just enter your ZIP code below and get several free quotes in minutes.

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2010 Mazda 6 Car Insurance

You can expect full coverage for a 2010 Mazda 6 to run around $162 monthly, while liability only coverage will average about $86 per month.

We found Elephant offered the most affordable policy, with rates as low as just $17 a month.

While these are good estimates of what the average driver might pay to insure a 2010 Mazda 6, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2009 Mazda 6 Car Insurance

It costs around $103 monthly for liability or $168 for a full coverage policy for the 2009 6.

Looking for the cheapest policy? Clearcover offered liability only coverage for as little as $19 per month.

Want to find the most affordable rates? Enter your ZIP code below to get lots of free customized quotes.

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Mazda 6 Insurance FAQs

Is a Mazda 6 expensive to insure?

Liability insurance runs an average of $89 monthly, while full coverage will cost you around $173. The cost of insurance for the Mazda 6 is about the same as insuring the average vehicle.

How can I get the best price on car insurance for my Mazda 6?

There's only one way to ensure you're getting the lowest rates -- regularly shopping around and getting quotes. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from several carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Mazda 6 affect my insurance rates?

Have you heard the old adage that it costs more to insure a red car before? Well, that's simply not true. Although there are multiple factors auto insurance companies look at when they calculate how much you'll pay, your vehicle's color is not on that list.

Do I need to have insurance before I buy a Mazda 6?

You'll need to have an auto insurance policy in place before you can legally driver your new (or new to you) 6 off the dealership lot. Some dealerships might offer you a car insurance policy as part of the car-buying process, but your best bet is letting your car insurance carrier know beforehand.

What car insurance discounts can I get for my Mazda 6?

There are a variety of discounts out there for insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are based less on your Mazda 6 and more on you, but if your 6 has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may be eligible for certain discounts. The only way to find out which discounts you might get is to get in touch with your insurance company and ask about their list of discounts, since they differ quite a bit from carrier to carrier.