Mazda 2 Insurance Rates

The average insurance rates for a Mazda 2 are $942 a year for full coverage. Comprehensive insurance costs on average $140, collision insurance costs $170, and liability coverage costs around $474. Liability-only insurance costs as low as $522 a year, and high-risk driver insurance costs $2,026 or more. Teenage drivers cost the most to insure at up to $3,866 a year.

Average premium for full coverage: $942

Policy rates by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for all 2 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than densely populated cities. The example below illustrates how location impacts car insurance rates.

The examples above show why everyone should compare prices based on a specific location and risk profile, rather than using average rates.

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

Additional Rate Details

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

• The best discount rate is $578
• Using higher $1,000 deductibles will save around $72 a year
• The average rate for a good driver age 40 with $500 deductibles is $942
• Using pricier low deductibles for physical damage coverage will cost an extra $134 each year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,026
• Policy cost for full coverage for a teenage driver for full coverage may cost $3,866 or more

View Chart as Image

Auto insurance rates for a Mazda 2 also range considerably based on your risk profile, the trim level of your 2, and policy deductibles and limits.

A more mature driver with a good driving record and high deductibles may only pay around $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay upwards of $3,800 a year. View Rates by Age

Your home state has a huge impact on Mazda 2 insurance rates. A driver around age 40 might see rates as low as $620 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,350 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $210 a year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every year. 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 at a minimum $1,100 to $1,600 in extra premium every year, depending on your age. Mazda 2 insurance for high-risk drivers can be around 41% to 130% more than a normal policy. View High Risk Driver Rates

How to Find Cheaper Mazda 2 Insurance

Finding cheaper rates on auto insurance requires having a decent driving record, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Spend time shopping around at every policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The following items are a condensed summary of the data touched on above.

• Consumers who require additional liability coverage will pay an extra $520 each year to increase from a 30/60 limit to 250/500 limits
• Drivers can save as much as $100 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $200 each year
• 16 to 18-year-old drivers are charged the highest rates, costing up to $322 each month if they have full coverage