- A Mazda 5 costs less than most other cars to insure.
- Liability auto insurance for a 5 averages around $78 monthly, while full coverage generally runs about $138 per month.
- AmericanAlliance offers the lowest average rates for a 5 with liability only coverage offered for sometimes as little as $37 monthly.
In This Article
The Mazda 5 is a great car for all budgets, with a base price of just $21,240 for 2015 models. While it is on the affordable end of the spectrum when it comes to overall price point, it's also a great option for your budget when thinking about your insurance premiums.
After analyzing thousands of auto insurance quotes through Compare.com, we've found that average Mazda 5 car insurance prices run around $120 per month. But how does that stack up to other similar vehicles out there on the market?
|Current Base Price||$21,240|
|Trim Levels||TOURING, GRAND TOURING, SPORT|
|Average Insurance Premium||$120/mo.|
|Cheapest Insurance Company||AmericanAlliance|
How Much is Car Insurance for a Mazda 5?
|Vehicle||Liability Only||Full Coverage|
|All Mazda Models||$79||$159|
|Average Insurance Premium||$81||$169|
Looking at the table above, you'll find that compared to other vehicles, Mazda 5 insurance rates are more affordable than average. On average, 5 owners can expect to pay about $78 a month for liability insurance, and around $138 per month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).
When compared to other Mazda models, the 5 is less expensive, with prices more than 10% lower than the rest of the manufacturer's vehicle offerings. Similarly, compared to other vehicles of a similar body style, 5 coverage is lower than average, with both liability only and full coverage insurance averaging less expensive premiums than other cars.
When compared to all vehicles, regardless of model, make, or body style, the 5 follows a similar pattern of having below average auto insurance rates.
Who has the Cheapest Car Insurance for a Mazda 5?
|Insurance Company||Average Monthly Premium|
If you're browsing for a new car insurance policy for your Mazda 5, you're probably wondering which company offers the most affordable prices. While there will never be one carrier that offers the cheapest prices for everyone, FirstChicago offers the most affordable average rates for liability only coverage, with rates as cheap as $31 monthly. The next lowest company is Aspire, who offers car insurance as cheap as just $35 a month.
Finishing off the rest of the top 5 are AnchorGeneral, AmericanAlliance, and Shelter Mutual. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.
Insurance companies take a multitude of different variables into consideration when calculating monthly prices. The only way to guarantee you'll find the most affordable rates is to compare quotes from multiple insurance carriers.
What Factors Affect Car Insurance Rates for a Mazda 5?
There are lots of factors that auto insurance companies use to determine how much they charge you for a policy -- and each carrier uses a different algorithm, so there's not just one company that's the cheapest for every 5 driver.
The sections below show a multitude of factors insurance carriers use to calculate rates:
|Vehicle Age||Average Monthly Premium|
|Less than 1 Year||$65|
|15 Years or Older||$69|
Mazda has been making the 5 for quite some time -- and that means the car's age may make a big difference in how much you'll pay for car insurance. Usually, older cars will be cheaper to insure because they're worth less than newer models, and as cars get older, insurance costs will gradually decrease.
Since a new model has not been added to the market for at least 5 years, the 5 won't really fit this trend. However, as you can see in the table above, the cheapest Mazda 5s to insure are those that are 2 to 3 years old, while the most expensive models are 5s that are 11 to 14 years old, on average.
|Age||Average Monthly Premium|
Age plays a significant role in how much you pay for auto insurance. Based on the information above, drivers under 24 pay more for insurance than those who have more experience. In this case, drivers between 18 and 24 pay $30 more than those 25 or older.
Car insurance prices continue to go down as you get older, with the cheapest age group being 55-64 for 5 drivers.
|Gender||Average Monthly Premium|
Men typically pay more for car insurance than women. This is because women are less likely to get speeding tickets and get into accidents, which lowers the chances of an insurance claim. When it comes to 5 drivers specifically, men pay about $2 more than women monthly for insurance.
Where You Live
|State||Average Monthly Premium|
You may think it's obvious that things such as how old you are and what vehicle you drive play a role in your car insurance rates, but you may not realize that where you live is equally important. Because auto insurance is regulated at the state level, premiums can differ quite a bit from state to state.
For example, the average Mazda 5 owner in New York pays around $183 per month for liability coverage. Meanwhile, on average, the same driver in California will pay less than half of that price. The chart shows average prices for the top 10 most populous states, just to give you a good idea of how much premiums can change across states.
Mazda 5 Car Insurance Discounts
Whatever your age, your home state, or your car, using as many discounts as possible when it comes to your car insurance is always important when shopping around for a new policy.
Not every insurance carrier will offer the same discounts, but there are a few that are relatively universal. These include things like:
- Pay-in-full discounts for drivers who agree to pay their entire policy price up front, rather than in monthly installments
- Multi-policy discounts for using the same insurance company for both your home and car insurance
- Multi-vehicle discounts for adding more than one car to your auto policy
- Defensive driving discounts for drivers who take a defensive driving class through an accredited school or institution
However, discounts aren't the only way to save. Sometimes the best way to save is just by having a profile that looks good to auto insurance companies.
Even though you may not have control of every factor insurance carriers look at to calculate rates (like some of the ones mentioned above), you can control some of them. Below are just a few of the ones you can use to your favor in order to save on car insurance:
Your Driving Record
|Infractions||Average Monthly Premium|
It's no secret that auto insurance companies offer the lowest premiums to drivers with clean records. It should be no surprise that if you get into an accident or get speeding tickets, insurance prices will go higher. But you still might be left wondering exactly how much these infractions will cost you.
Looking at the table above, you'll see that accidents will usually cost 5 drivers more than tickets, but both will result in higher than normal rates. Mazda 5 drivers with a single accident on their record pay an average of $97 each month (up $19 from the $78/mo. overall average), while drivers with one ticket will pay about $78 a month. Drivers with multiple kinds of either violation will end up paying even more.
How Much You Drive
|Annual Mileage||Average Monthly Premium|
The amount of miles you drive each year affects your auto insurance rates. Those who drive less often are less likely to get tickets, so they'll usually get less expensive prices. In the table above, you can see that Mazda 5 owners who drive fewer than 2,500 miles a year pay an average of $69 monthly for car insurance, while those who put 10,000 miles or more on their cars pay $72.
But if you're one of those drivers who don't put very many miles on your Mazda 5 each year, it may be worth considering pay-per-mile or usage-based insurance. With these plans, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.
How Do Mazda 5s Compare to Other Vehicles?
If you're thinking about making a Mazda 5 your next car, it can pay off to do your homework. Auto insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth considering carefully.
Review the table below to see how the Mazda 5 stacks up:
|Mazda 5||National Average|
|Full Coverage Insurance||$141||$169|
|Average Annual Mileage||10,609||11,617|
Overall, the Mazda 5 is a fantastic value when it comes to price, with an MSRP that's a third less than the going rate for a new vehicle. While the national average vehicle MSRP is $40,098, the 5 has an MSRP of just $21,240. A used 5 will be even cheaper, since there hasn't been a new model on the market recently.
Likewise, car insurance rates run below average when compared to the rest of the vehicle market. Liability insurance for a Mazda 5 is about $12 per month less than average, while full coverage is more than $20 cheaper a month.
When it comes to usage, Mazda 5 drivers are far from the national average in annual miles driven, with 11,617 miles for all vehicles per year compared to the 5's 10,609 every year.
Mazda 5 Car Insurance Costs by Model Year
So far, you've seen how different factors affect a driver's auto insurance premiums. But if you're considering buying a new 5, having a good idea of exactly what you'll pay can be extremely helpful as you weigh your choices.
2015 Mazda 5 Car Insurance
|Liability Only Avg. Premium||$69|
|Full Coverage Avg. Premium||$141|
|Cheapest Insurance Company||Infinity - $30/mo.|
|Available Trims||GRAND TOURING, SPORT, TOURING|
The average cost to insure a 2015 Mazda 5 with liability only coverage is $69 per month, while full coverage runs around $141 monthly.
With premiums sometimes as low as $30 per month, Infinity offered the cheapest policy we found.
These average prices are a great starting point if you're in the market for a 2015 Mazda 5, but there are several different variables 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.
2014 Mazda 5 Car Insurance
|Liability Only Avg. Premium||$66|
|Full Coverage Avg. Premium||$136|
|Cheapest Insurance Company||MetLife - $17/mo.|
|Available Trims||GRAND TOURING, SPORT, TOURING|
2014 5 drivers can expect to pay an average of $66 a month for liability or $136 for full coverage.
If you're looking for the most affordable 2014 Mazda 5 insurance policy, MetLife offered the most affordable policy we found, with rates as low as $17 per month.
Want to figure out exactly what you'll be asked to pay? All you need to do is enter your ZIP code below and you'll be on your way to comparing a lot of personalized quotes from the nation's top insurance carriers.
2013 Mazda 5 Car Insurance
|Liability Only Avg. Premium||$100|
|Full Coverage Avg. Premium||$148|
|Cheapest Insurance Company||Sun Coast - $24/mo.|
It costs about $100 monthly for liability or $148 for a full coverage policy for the 2013 Mazda 5.
With rates as little as $24 a month, Sun Coast offered the cheapest policy we found for the 2013 Mazda 5.
If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.
2012 Mazda 5 Car Insurance
|Liability Only Avg. Premium||$70|
|Full Coverage Avg. Premium||$129|
|Cheapest Insurance Company||Aspire - $19/mo.|
On average, drivers who own a 2012 5 can expect to pay $70 to $129 monthly for liability only and full coverage insurance, respectively.
Looking for the lowest policy? Aspire offered liability only coverage for sometimes as cheap as $19 a month.
What could your auto insurance rate look like? Get a variety of free customized quotes by just entering your ZIP code below.
2010 Mazda 5 Car Insurance
|Liability Only Avg. Premium||$76|
|Full Coverage Avg. Premium||$132|
|Cheapest Insurance Company||Gainsco - $21/mo.|
You can expect full coverage for a 2010 Mazda 5 to run around $132 per month, while liability only coverage will average about $76 a month.
Gainsco has prices as low as just $21 per month for the 2010 Mazda 5.
If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.
2009 Mazda 5 Car Insurance
|Liability Only Avg. Premium||$74|
|Full Coverage Avg. Premium||$150|
|Cheapest Insurance Company||MetroMile - $21/mo.|
It costs around $74 monthly for liability or $150 for a full coverage policy for the 2009 5.
MetroMile offered the cheapest policy we found, with rates as little as just $21 a month.
And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.
2008 Mazda 5 Car Insurance
|Liability Only Avg. Premium||$74|
|Full Coverage Avg. Premium||$159|
|Cheapest Insurance Company||Freedom - $27/mo.|
The average cost to insure a 2008 Mazda 5 with liability only coverage is $74 monthly, while full coverage runs about $159 per month.
We found Freedom offered the most affordable policy, with rates sometimes as little as $27 a month.
If you want to know just how much your premium will be, just enter your ZIP code below and get free quotes in minutes.
2007 Mazda 5 Car Insurance
|Liability Only Avg. Premium||$86|
|Full Coverage Avg. Premium||$118|
|Cheapest Insurance Company||Acceptance - $20/mo.|
On average, drivers who own a 2007 5 can expect to pay $86 to $118 monthly for liability only and full coverage insurance, respectively.
With premiums as cheap as $20 per month, Acceptance offered the lowest policy we found for the 2007 Mazda 5.
Want to find the best rates? Enter your ZIP code below to get several free customized quotes.
2006 Mazda 5 Car Insurance
|Liability Only Avg. Premium||$81|
|Full Coverage Avg. Premium||$141|
|Cheapest Insurance Company||Commonwealth Casualty - $18/mo.|
You can expect full coverage for a 2006 Mazda 5 to run around $141 monthly, while liability only coverage will average about $81 per month.
We found Commonwealth Casualty offered the most affordable policy, with rates as low as $18 a month.
If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.
Mazda 5 Insurance FAQs
Is a Mazda 5 expensive to insure?
When compared to the national average of all cars, rates come in on the lower end of the spectrum. Liability insurance runs an average of $78 per month, while full coverage will cost you around $138.
How can I get the best price on car insurance for my Mazda 5?
The only way to ensure you're getting the cheapest price on auto insurance is to regularly shop around and compare quotes from a wide array of companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from numerous carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.
Does the color of my Mazda 5 affect my insurance premiums?
You may have heard the old adage that it costs more to insure a red car than cars of other colors, but that's just a myth. Although there are many things car insurance companies use when they calculate your prices, the color of your car is not factored into that equation.
Do I need to have insurance before I buy a Mazda 5?
Before you can legally drive your new (or new to you) Mazda 5 off the dealership lot, you'll need to have an insurance policy in place. Some dealerships will offer you one during the purchase process, but the easiest thing to do is to let your auto insurance carrier know before you buy.
What car insurance discounts can I get for my Mazda 5?
There are a range of discounts out there for car insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are more based on you than the 5 you drive, but if your 5 has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may qualify for certain discounts. To find out which discounts you might receive, contact your insurance company and ask about which discounts they offer.