Mazda 2 Insurance Rates

The average insurance rates for a Mazda 2 are $918 a year for full coverage. Comprehensive insurance costs approximately $132 each year, collision insurance costs $154, and liability costs $474. A liability-only policy costs as little as $522 a year, and high-risk insurance costs $1,974 or more. Teens cost the most to insure at up to $3,792 a year.

Average premium for full coverage: $918

Policy rates by type of insurance:

Rates are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and 2 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above show why all drivers should compare rates using their specific location and risk profile, instead of using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $565
• Drivers who choose higher $1,000 deductibles will pay $66 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $918
• Selecting low deductibles for comprehensive and collision insurance will cost an extra $124 every year
• Higher-risk drivers with serious driving violations could pay around $1,974
• Policy cost for full coverage for a teen driver can cost $3,792 a year

View Chart as Image

Car insurance rates for a Mazda 2 also range considerably based on your risk profile, the trim level of your 2, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $3,700 a year. View Rates by Age

Your home state makes a big difference in Mazda 2 insurance prices. A 40-year-old driver could pay as low as $610 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,310 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $190 every year, whereas increasing liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,100 to $1,600 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 133% more than the average policy. View High Risk Driver Rates

How to Find the Best Cheap Mazda 2 Insurance

Finding cheaper rates on car insurance not only requires being a low-risk driver, but also having above-average credit, avoid buying unnecessary coverage, and attention to physical damage deductibles. Set aside time to compare rates at least once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a quick review of the primary concepts that were covered above.

• Drivers can save around $100 per year just by quoting online in advance
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,060 more per year to insure their 2
• Increasing comprehensive and collision deductibles can save around $200 each year
• Teen drivers pay the highest auto insurance rates, costing up to $316 each month if full coverage is included