Mazda 2 Insurance Rates

The average insurance rates for a Mazda 2 are $918 a year including full coverage. Comprehensive costs an estimated $132, collision insurance costs $154, and liability insurance is estimated at $474. Liability-only coverage costs approximately $522 a year, and high-risk coverage costs around $1,974. 16-year-old drivers cost the most to insure at up to $3,792 a year.

Average premium for full coverage: $918

Policy rates broken down by type of insurance:

Price estimates include $500 deductible amounts, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all 2 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than congested cities. The example below illustrates how location impacts insurance prices.

The examples above highlight why everyone should get quotes for a targeted area and risk profile, rather than relying on rate averages.

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

More Rate Details

The chart below breaks down average Mazda 2 insurance rates for other coverage scenarios.

• The best full coverage rate is $565
• Choosing higher $1,000 deductibles can save approximately $66 every year
• The average rate for a good driver age 40 who has $500 deductibles is $918
• Buying pricier low deductibles for comp and collision coverage will increase the cost to $1,042
• High-risk insureds with multiple tickets or accidents could pay up to $1,974
• Policy cost for full coverage for a teen driver for full coverage can cost as much as $3,792 each year

View Chart as Image

Insurance rates for a Mazda 2 also range considerably based on your risk profile, the model of your 2, and liability limits and deductibles.

A more mature driver with no violations or accidents and high deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $3,700 a year. View Rates by Age

Your home state plays a big part in determining prices for Mazda 2 insurance rates. A good driver about age 40 could pay as low as $710 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,310 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $190 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,100 to $1,600 additional every year, depending on your age. Mazda 2 insurance for high-risk drivers ranges anywhere from 42% to 133% more than the average rate. View High Risk Driver Rates

How to Find Cheaper Mazda 2 Insurance

Finding cheaper rates on Mazda 2 insurance takes having a good driving record, having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Spend time shopping around at every policy renewal by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The next list is a condensed summary of the data touched on above.

• Drivers who want increased levels of liability coverage will pay around $520 per year to raise limits from a 30/60 limit to 250/500 limits
• You may be able to save approximately $100 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $200 each year
• Drivers age 20 and younger are expensive to insure, with premiums being up to $316 each month including comprehensive and collision insurance