Mazda 2 Insurance Rates

U.S. average insurance rates for a Mazda 2 are $918 a year with full coverage. Comprehensive insurance costs around $132 a year, collision insurance costs $154, and liability is estimated at $474. Liability-only coverage costs approximately $522 a year, and high-risk coverage costs $1,974 or more. 16-year-old drivers pay the highest rates at up to $3,792 a year.

Average premium for full coverage: $918

Price estimates for individual coverage:

These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and 2 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on insurance rates. Areas with sparse population have lower incidents of collision claims than congested cities. The diagram below illustrates how where you live affects auto insurance rates.

The ranges above demonstrate why it is important to get quotes for a specific zip code, instead of using rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $565
• Choosing higher $1,000 deductibles can save about $852 annually
• The estimated price for the average middle-age driver using $500 deductibles is $918
• Buying low $100 deductibles for comp and collision coverage will cost an additional $124 every year
• Unlucky drivers with multiple tickets or accidents could pay at least $1,974
• The price that insures a teen driver can be $3,792 each year

View Chart as Image

Auto insurance prices for a Mazda 2 are also quite variable based on the trim level of your 2, your age and driving habits, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you may be forking out at least $1,100 to $1,600 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 133% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $900 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay as much as $3,700 a year. View Rates by Age

The state you live in plays a big part in determining prices for Mazda 2 insurance prices. A good driver about age 40 could pay as low as $660 a year in states like New Hampshire, Ohio, and Utah, or at least $1,240 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles can save as much as $190 every year, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

How to Find Cheap Mazda 2 Insurance

Getting lower rates on car insurance takes having a decent driving record, maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Comparison shop every couple of years by requesting rates from direct companies, and also from your local independent and exclusive agents.

The following items are a brief summary of the material that was touched on in the above illustrations.

• Policyholders who may need additional liability coverage will pay around $520 every year to raise limits from a low limit to the 250/500 level
• 16 to 18-year-old drivers are expensive to insure, costing up to $316 a month if the policy includes full coverage
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,060 more every year than a driver with a clean driving record
• Increasing physical damage deductibles can save approximately $200 each year