Mazda 2 Insurance Rates

The average insurance rates for a Mazda 2 are $942 a year for full coverage. Comprehensive costs approximately $140, collision insurance costs $170, and liability is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs around $2,026. 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 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for all 2 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are shown to have lower incidents of accident claims than densely populated cities. The example below illustrates the difference location can make on auto insurance prices.

The examples above show why everyone should compare rates quotes using their specific location, instead of making a decision based on average rates.

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

Rate Comparisons

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

• The best discount rate is $578
• Raising to $1,000 deductibles will save $72 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $942
• Using pricier low deductibles bumps up the cost to $1,076
• Drivers who are prone to accidents and violations could pay around $2,026
• Policy cost that insures a 16-year-old driver for full coverage can cost $3,866

View Chart as Image

Insurance rates for a Mazda 2 also range considerably based on the model of your 2, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,100 to $1,600 additional every year, depending on your age. Mazda 2 insurance for high-risk drivers is expensive and can cost from 41% to 130% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $3,800 a year. View Rates by Age

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 Iowa, Maine, and Idaho, or be forced to pay as much as $1,350 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $210 annually, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

How to Find Cheaper Mazda 2 Insurance

Finding cheaper rates on insurance for a Mazda 2 consists of being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Compare prices once a year by getting rate quotes from direct carriers, and also from insurance agencies where you live.

Below you'll find a condensed summary of the data that was touched on in this article.

• Drivers can save around $100 per year just by quoting online well ahead of the renewal date
• Insureds who purchase more liability protection will pay an extra $520 each year to raise from a 30/60 limit to the 250/500 level
• Youthful drivers are the costliest to insure, costing up to $322 each month if comprehensive and collision insurance is included
• Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,080 more per year than a low-risk driver