Mazda 2 Insurance Rates

The average insurance prices for a Mazda 2 are $942 every 12 months with full coverage. Comprehensive costs around $140 each year, collision insurance costs $170, and liability is estimated at $474. Liability-only coverage costs approximately $522 a year, and high-risk coverage costs around $2,026. Teenage drivers cost the most to insure at up to $3,866 a year.

Average premium for full coverage: $942

Policy rates for type of insurance:

Prices are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical 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 insurance rates. Areas with sparse population are shown to have more infrequent collision claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above demonstrate why all drivers should get quotes for a specific zip code and their own driving history, instead of using average rates.

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

Additional Rate Information

The chart below details average Mazda 2 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $578
• Choosing higher $1,000 deductibles can save about $72 annually
• The average price for a good driver age 40 using $500 deductibles is $942
• Using low deductibles for comp and collision coverage increases the price to $1,076
• Unlucky drivers who are prone to accidents and violations could pay at least $2,026
• Policy cost to insure a teen driver can be $3,866 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 and model year.

Using high physical damage deductibles can save as much as $210 every year, whereas increasing liability limits will increase rates. 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 much higher for teenagers, since even excellent drivers should be prepared to pay as much as $3,800 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 least $1,100 to $1,600 additional every year, depending on your age. Insurance for high-risk drivers ranges as much as 41% to 130% more than a normal policy. 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 $680 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,280 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for Affordable Mazda 2 Insurance

Finding cheaper rates on car insurance takes avoiding accidents and violations, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to compare rates once a year by requesting rates from direct companies, and also from several local insurance agents.

The list below is a brief review of the data that was covered above.

• You may be able to save up to $100 per year just by quoting online in advance
• Policyholders who may need higher liability limits will pay an extra $520 every year to raise limits from a 30/60 limit to a 250/500 level
• Teenagers are charged the highest rates, as much as $322 each month if full coverage is included
• Higher risk drivers with DUI or reckless driving convictions pay on average $1,080 more every year for car insurance