Mazda Tribute Insurance Rates

The average insurance prices for a Mazda Tribute are $780 every 12 months for full coverage insurance. Comprehensive costs approximately $116, collision costs $152, and liability costs around $376. A liability-only policy costs as low as $426 a year, with high-risk insurance costing around $1,672. Teenage drivers cost the most to insure at $3,186 a year or more.

Average premium for full coverage: $780

Policy rates by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for different Tribute trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than densely populated cities.

The price range example below illustrates how rural and urban location affects auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare prices using their specific location and their own driving history, instead of making a decision based on average rates.

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

Detailed Rate Analysis

The chart below illustrates estimated Mazda Tribute insurance rates for additional coverage and risk scenarios.

• The best discount rate is $479
• Using higher $1,000 deductibles will save $62 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $780
• Using more expensive low deductibles for physical damage coverage increases the price to $896
• High-risk insureds who are prone to accidents and violations could pay around $1,672 or more
• Policy cost to insure a 16-year-old driver with full coverage can cost $3,186 or more

View Chart as Image

Car insurance rates for a Mazda Tribute also range considerably based on liability limits and deductibles, your risk profile, and the model of your Tribute.

Using high physical damage deductibles could cut rates by as much as $180 annually, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $339 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as low as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged in the ballpark of $3,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $900 to $1,300 extra every year, depending on your age. High-risk driver insurance can be from 41% to 128% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Mazda Tribute insurance prices. A driver around age 40 might see rates as low as $510 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,050 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates from multiple companies. Each insurance company uses a different method to calculate rates, so rate quotes will be varied.

Insurance Rates by Trim Level and Model Year

Rates assume 2005 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for Cheaper Mazda Tribute Insurance

Finding cheaper rates on insurance for a Mazda Tribute requires avoiding accidents and violations, maintaining a good credit score, being claim-free, and avoiding coverage lapses. Set aside time to shop around at least every other year by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The list below is a condensed summary of the car insurance concepts raised in the charts and tables above.

• Drivers considered higher risk with multiple at-fault accidents may have to pay on average $890 more per year for car insurance
• It is possible to save around $90 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $175 each year
• Insureds who purchase higher liability limits will pay an extra $410 annually to increase from a 30/60 limit to a 250/500 level