Mazda 2 Insurance Rates

U.S. average auto insurance rates for a Mazda 2 are $942 annually for full coverage insurance. Comprehensive insurance costs on average $140 each year, collision insurance costs $170, and liability costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs $2,026 or more. Teen drivers pay the highest rates at up to $3,866 a year.

Average premium for full coverage: $942

Price estimates by individual coverage:

Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and 2 models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on insurance rates. Rural areas have fewer physical damage claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above illustrate why all drivers should compare rates based on a specific location and their own personal driving habits, instead of using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $578
• Drivers who choose higher $1,000 deductibles will pay around $72 each year
• The estimated rate for the average middle-age driver with $500 deductibles is $942
• Choosing low deductibles for comprehensive and collision insurance costs an additional $134 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,026
• The price with full coverage for a teen driver may cost $3,866 a year

View Chart as Image

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

More mature drivers with a good driving record and high physical damage deductibles may pay as little as $900 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay upwards of $3,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,100 to $1,600 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost as much as 41% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $210 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Mazda 2 insurance prices. A 40-year-old driver could pay 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 More Affordable Mazda 2 Insurance

Getting lower rates on car insurance not only requires being a good driver, but also having above-average credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to compare rates at every other renewal by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a summary of the concepts that were covered above.

• Higher risk drivers who have multiple accidents or major violations may pay on average $1,080 more each year than a safer driver
• Drivers age 16 to 20 are charged the highest prices, as much as $322 a month if full coverage is included
• It is possible to save as much as $100 per year just by quoting online in advance
• Increasing physical damage deductibles could save up to $200 each year
• It is possible to save as much as $100 per year just by quoting online in advance