Mazda 2 Insurance Rates

Average insurance rates for a Mazda 2 are $918 a year for full coverage insurance. Comprehensive insurance costs on average $132 a year, collision insurance costs $154, and liability insurance is $474. A policy with just liability insurance costs around $522 a year, and coverage for high-risk drivers costs $1,974 or more. Teenage drivers receive the highest rates at up to $3,792 a year.

Average premium for full coverage: $918

Rate estimates by individual coverage type:

Rate estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and 2 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates how geographic area affects car insurance rates.

These examples illustrate why it is important to compare rates quotes based on a specific location and risk profile, rather than relying on average rates.

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

Additional Rate Details

The chart below illustrates average Mazda 2 insurance rates for different risk profiles and scenarios.

• The best discount rate is $565
• Raising to $1,000 deductibles will save around $852 each year
• The average rate for a 40-year-old driver with $500 deductibles is $918
• Using low $100 deductibles will cost an extra $124 a year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $1,974
• The cost for full coverage for a teen driver may cost $3,792

View Chart as Image

Insurance rates for a Mazda 2 can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles could pay as little as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $3,700 a year. View Rates by Age

Where you live also has a big influence on Mazda 2 insurance rates. A middle-age driver might find rates as low as $600 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,240 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $190 each year, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,100 to $1,600 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

How to Find the Best Mazda 2 Insurance

Saving money on Mazda 2 insurance consists of being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to compare rates at least once a year by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

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

• It is possible to save as much as $100 per year just by quoting early and online
• High-risk drivers who tend to receive serious violations pay an average of $1,060 more each year to insure their 2
• Increasing deductibles can save around $200 each year
• Teen drivers pay higher rates, costing up to $316 per month including comprehensive and collision insurance