Mazda 2 Insurance Rates

U.S. average insurance rates for a Mazda 2 are $918 a year with full coverage. Comprehensive insurance costs approximately $132 a year, collision insurance costs $154, and liability costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers 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 by individual coverage:

Rate estimates include $500 deductible amounts, 30/60 split 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

Your location can make a big difference on the price of insurance. Rural locations have lower incidents of collision claims than congested cities. The diagram below illustrates how your location can change auto insurance prices.

The ranges above demonstrate why it is important to compare rates using their specific location, instead of making a decision based on 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 and risk scenarios.

• The best full coverage rate is $565
• Drivers who choose higher $1,000 deductibles will pay $852 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $918
• Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $124 annually
• Drivers with multiple tickets or accidents could pay around $1,974
• The price that insures a 16-year-old driver can cost $3,792 a year

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Insurance prices for a Mazda 2 are also quite variable based on the trim level of your 2, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,100 to $1,600 additional each year, depending on your age. A high-risk auto insurance policy can cost from 42% to 133% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $900 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $3,700 a year. View Rates by Age

The state you live in makes a big difference in Mazda 2 insurance prices. A 40-year-old driver could pay as low as $660 a year in states like Utah, Ohio, and New Hampshire, or at least $1,240 on average in New York, Michigan, and Florida.

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

How to Find the Best Mazda 2 Insurance

Getting lower rates on insurance for a Mazda 2 not only requires having a good driving record, but also having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Comparison shop at least every other year by getting quotes from direct companies, and also from local insurance agencies.

The next list is a brief recap of the car insurance concepts illustrated above.

• Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,060 more per year to buy Mazda 2 insurance
• You may be able to save around $100 per year just by quoting early and online
• Increasing physical damage deductibles can save approximately $200 each year
• Insureds who purchase increased levels of liability coverage will pay around $520 every year to go from a low limit to the 250/500 level