Mazda 2 Insurance Rates

The average auto insurance rates for a Mazda 2 are $918 annually with full coverage. Comprehensive insurance costs an estimated $132 each year, collision insurance costs $154, and liability is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs $1,974 or more. Teen drivers cost the most to insure at up to $3,792 a year.

Average premium for full coverage: $918

Policy rates broken down by type of insurance:

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and 2 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. More rural locations are shown to have fewer collision claims than larger metro areas. The graphic below illustrates how geographic area affects insurance prices.

The examples above demonstrate why all drivers should compare rates quotes for a targeted area and their own personal driving habits, instead of using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $565
• Raising to $1,000 deductibles will save approximately $66 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $918
• Choosing low deductibles costs an additional $124 every year
• At-risk drivers with multiple violations and an at-fault accident could pay up to $1,974
• Policy cost with full coverage for a teen driver can cost as much as $3,792

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Insurance rates for a Mazda 2 also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay at least $3,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,100 to $1,600 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 42% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $190 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Mazda 2 insurance prices. A middle-age driver might find rates as low as $660 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,240 on average in New York, Michigan, and Florida.

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How to Buy the Best Mazda 2 Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and claims, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Invest the time to compare rates at least once a year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a brief recap of the primary concepts that were presented in the illustrations above.

• You may be able to save approximately $100 per year just by quoting online in advance
• Higher risk drivers who tend to receive serious violations pay on average $1,060 more annually to insure a Mazda 2
• Increasing comprehensive and collision deductibles could save up to $200 each year
• Drivers under the age of 20 are charged the highest rates, as much as $316 each month including comprehensive and collision insurance