Mazda 2 Insurance Rates

The average insurance prices for a Mazda 2 are $918 every 12 months with full coverage. Comprehensive insurance costs on average $132 each year, collision insurance costs $154, and liability is estimated at $474. Liability-only coverage costs approximately $522 a year, and high-risk coverage costs $1,974 or more. 16-year-old drivers cost the most to insure at up to $3,792 a year.

Average premium for full coverage: $918

Policy rates by type of insurance:

Includes $500 policy deductibles, 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

Living in a larger city can have significant affects on auto insurance rates. Rural areas are shown to have more infrequent collision claims than congested cities. The graphic below illustrates how where you live affects car insurance rates.

The examples above demonstrate why all drivers should get quotes based on a specific location and their own driving history, instead of using rate 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 different risk profiles and scenarios.

• The best full coverage rate is $565
• Choosing higher $1,000 deductibles can save around $66 annually
• The average price for a good driver age 40 with $500 deductibles is $918
• Buying low deductibles for comp and collision coverage costs an extra $124 every year
• Unlucky drivers with multiple tickets or accidents could pay upwards of $1,974
• Policy cost to insure a teen driver may cost $3,792 each year

View Chart as Image

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

Opting for high physical damage deductibles can save as much as $190 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $3,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,100 to $1,600 additional every year, depending on your age. Insurance for high-risk drivers ranges as much as 42% to 133% more than the average rate. View High Risk Driver Rates

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

View Chart as Image

How to Shop for the Cheapest Mazda 2 Insurance

Finding cheaper rates on car insurance takes being safe and accident-free, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Take the time to comparison shop once a year by quoting rates from direct companies, and also from local exclusive and independent agents.

Below you'll find a recap of the data that was touched on in the above illustrations.

• You may be able to save as much as $100 per year just by quoting online in advance
• Policyholders who require more liability protection will pay around $520 every year to raise limits from a 30/60 limit to a 250/500 level
• Youthful drivers pay higher rates, as much as $316 each month if full coverage is included
• Higher risk drivers that have major violations or accidents may pay on average $1,060 more each year than a low-risk driver