Mazda 2 Insurance Rates

The average auto insurance rates for a Mazda 2 are $942 annually for full coverage insurance. Comprehensive insurance costs around $140 a year, collision insurance costs $170, and liability is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs $2,026 or more. Teen 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:

Includes $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and 2 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than larger metro areas. The diagram below illustrates how geographic area affects auto insurance rates.

The examples above illustrate why it is important to compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $578
• Raising to $1,000 deductibles will save about $870 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $942
• Choosing low $100 deductibles costs an additional $134 annually
• Drivers with multiple violations and an at-fault accident could pay at least $2,026
• Policy cost with full coverage for a 16-year-old driver can be $3,866

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they 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 caused a few accidents, you are probably paying at least $1,100 to $1,600 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 41% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $210 annually, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Mazda 2 insurance prices. A middle-age driver might find rates as low as $620 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,280 on average in Michigan, New York, and Florida.

View Chart as Image

How to Buy the Cheapest Mazda 2 Insurance

Finding cheaper rates on insurance for a Mazda 2 consists of avoiding accidents and claims, having good credit, being claim-free, and deciding if full coverage is necessary. Invest the time to compare rates every couple of years by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a recap of the material that was presented in the illustrations above.

• Insureds who may need increased liability limits will pay about $520 annually to raise from a 30/60 limit to higher 250/500 limits
• Drivers under the age of 20 are charged the highest rates, possibly costing $322 each month if they have full coverage
• Drivers considered higher risk that have major violations or accidents pay on average $1,080 more every year to insure a Mazda 2
• Increasing comprehensive and collision deductibles could save up to $200 each year