Mazda 2 Insurance Rates

U.S. average auto insurance rates for a Mazda 2 are $918 annually for full coverage insurance. Comprehensive costs around $132 a year, collision insurance costs $154, and liability coverage is estimated at $474. Buying just liability costs approximately $522 a year, and insurance for high-risk drivers costs around $1,974. Teens pay the highest rates at up to $3,792 a year.

Average premium for full coverage: $918

Price estimates for individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and 2 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Areas with sparse population have fewer physical damage claims than cities with more traffic congestion. The diagram below illustrates how your location can change auto insurance rates.

The ranges above illustrate why it is important to get quotes for a specific zip code and their own personal driving habits, rather than using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $565
• Choosing higher $1,000 deductibles can save about $852 each year
• The estimated rate for the average middle-age driver using $500 deductibles is $918
• Selecting low $100 deductibles for comp and collision coverage will cost $1,042
• Drivers with serious driving violations could pay at least $1,974
• The price with full coverage for a teenage driver can be $3,792 each year

View Chart as Image

Insurance prices for a Mazda 2 are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $900 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $3,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at least $1,100 to $1,600 additional each year, depending on your age. A high-risk auto insurance policy ranges around 42% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $190 a year, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Mazda 2 insurance rates. A good driver about age 40 could pay as low as $600 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,240 on average in Michigan, New York, and Florida.

View Chart as Image

How to Buy the Best Mazda 2 Insurance

Getting lower rates on auto insurance takes avoiding accidents and violations, having good credit, not filing small claims, and deciding if full coverage is necessary. Invest the time to shop around at least once a year by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a brief recap of the primary concepts that were illustrated above.

• It is possible to save up to $100 per year just by quoting early and online
• Drivers who tend to receive serious violations pay on average $1,060 more every year for car insurance
• Increasing physical damage deductibles could save up to $200 each year
• Teenagers are charged the highest prices, as much as $316 a month if they have full coverage