Mazda 2 Insurance Rates

Average auto insurance rates for a Mazda 2 are $942 annually including full coverage. Comprehensive costs approximately $140 a year, collision insurance costs $170, and liability insurance costs around $474. A policy with just liability insurance costs as low as $522 a year, and coverage for high-risk drivers costs around $2,026. Teens receive the highest rates at up to $3,866 a year.

Average premium for full coverage: $942

Rate estimates by individual coverage type:

Includes $500 deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and 2 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects auto insurance prices.

These examples highlight why it is important to compare prices using their specific location and their own personal driving habits, rather than relying on averaged prices.

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

Additional Rate Analysis

The chart below breaks down average Mazda 2 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $578
• Using higher $1,000 deductibles will save $870 every year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $942
• Selecting low $100 deductibles for physical damage coverage will cost $1,076
• Drivers with serious driving violations could pay around $2,026
• The cost with full coverage for a teen driver can cost $3,866 or more

View Chart as Image

Insurance rates for a Mazda 2 can also vary considerably based on the trim level of your 2, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $900 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $3,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,100 to $1,600 additional per year, depending on your age. A high-risk auto insurance policy can be anywhere from 41% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $210 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Mazda 2 insurance rates. A driver around age 40 might see rates as low as $720 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,350 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Buy the Cheapest Mazda 2 Insurance

Saving money on Mazda 2 insurance requires not taking risks behind the wheel, having good credit, not filing small claims, and consideration of higher deductibles. Invest the time to compare rates every couple of years by getting quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

The following is a recap of the material that was presented in the illustrations above.

• Drivers who purchase higher liability limits will pay approximately $520 per year to increase from a minimum limit to higher 250/500 limits
• Teens are the costliest to insure, as much as $322 per month if they have full coverage
• High-risk drivers that have major violations or accidents may have to pay on average $1,080 more per year for 2 insurance
• Increasing deductibles could save up to $200 each year