Mazda 2 Insurance Rates

The average insurance prices for a Mazda 2 are $918 every 12 months for full coverage. Comprehensive costs approximately $132 a year, collision insurance costs $154, and liability costs around $474. A liability-only policy costs as low as $522 a year, and high-risk insurance costs around $1,974. Teen drivers cost the most to insure at up to $3,792 a year.

Average premium for full coverage: $918

Policy rates by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and 2 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural locations are shown to have more infrequent accident claims than larger metro areas. The diagram below illustrates how location impacts auto insurance prices.

The examples above show why it is important to compare prices using their specific location and their own driving history, instead of using price averages.

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

Rates by State, City, and Model

The chart below shows average Mazda 2 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $565
• Using higher $1,000 deductibles will save $852 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $918
• Choosing low $100 deductibles for physical damage coverage increases the price to $1,042
• Drivers with multiple violations and an at-fault accident could pay around $1,974
• Policy cost to insure a teen driver can cost $3,792 or more

View Chart as Image

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

Choosing high deductibles could cut rates by as much as $190 every year, while buying higher liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged in the ballpark of $3,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,100 to $1,600 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 133% more than average. View High Risk Driver Rates

Your home state has a huge impact on Mazda 2 insurance prices. A driver around age 40 might see rates as low as $610 a year in states like Iowa, Maine, and Idaho, or as much as $1,310 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Shop for the Best Mazda 2 Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, maintaining a good credit score, avoid buying unnecessary coverage, and attention to physical damage deductibles. Spend time shopping around at every other renewal by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

The list below is a brief recap of the concepts that were touched on above.

• Higher risk drivers who tend to receive serious violations may pay on average $1,060 more per year for car insurance
• Teenagers pay the highest auto insurance rates, costing up to $316 each month if the policy includes full coverage
• Drivers can save around $100 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $200 each year
• Drivers can save around $100 per year just by quoting early and online