Mazda 2 Insurance Rates

U.S. average insurance rates for a Mazda 2 are $918 a year with full coverage. Comprehensive insurance costs an estimated $132 a year, collision insurance costs $154, and liability insurance is estimated at $474. Buying just liability costs approximately $522 a year, and insurance for high-risk drivers costs $1,974 or more. 16-year-old drivers pay the highest rates at up to $3,792 a year.

Average premium for full coverage: $918

Price estimates broken down by individual coverage:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and 2 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. More rural locations have a lower frequency of collision claims than congested cities. The diagram below illustrates how location helps determine insurance prices.

The ranges above demonstrate why it is important to get quotes for a targeted area and risk profile, rather than relying on rate averages.

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

Additional Rate Details

The chart below details average Mazda 2 insurance rates for other coverage scenarios.

• The best full coverage rate is $565
• Choosing higher $1,000 deductibles can save approximately $852 annually
• The average rate for the average middle-age driver who has $500 deductibles is $918
• Buying low $100 deductibles for comp and collision coverage will cost an extra $124 a year
• High-risk insureds with multiple tickets or accidents could pay up to $1,974
• The price for full coverage for a teen driver can cost as much as $3,792 each year

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Insurance prices for a Mazda 2 are also quite variable based on your driving record, the trim level and model year, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles could pay as little as $900 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay at least $3,700 a year. View Rates by Age

The state you live in plays a big part in determining prices for Mazda 2 insurance rates. A good driver about age 40 could pay as low as $660 a year in states like Utah, Ohio, and New Hampshire, or at least $1,240 on average in New York, Michigan, and Florida.

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Opting for high physical damage deductibles can save as much as $190 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out $1,100 to $1,600 additional each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 133% more than the average rate. View High Risk Driver Rates

How to Find More Affordable Mazda 2 Insurance

Getting lower rates on Mazda 2 insurance takes being safe and accident-free, having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Invest time comparing rates at least every other year by requesting rates from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below you'll find a summary of the car insurance concepts covered in the charts and tables above.

• High-risk drivers who have multiple accidents or major violations may pay on average $1,060 more annually than a low-risk driver
• You may be able to save approximately $100 per year just by quoting early and online
• Increasing physical damage deductibles can save around $200 each year
• Drivers who want more liability protection will pay around $520 every year to raise limits from a low limit to 250/500 limits