Mazda 2 Insurance Rates

U.S. average insurance rates for a Mazda 2 are $918 a year for full coverage. Comprehensive costs approximately $132 a year, collision insurance costs $154, and liability coverage is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs around $1,974. Teen drivers pay the highest rates at up to $3,792 a year.

Average premium for full coverage: $918

Price estimates by individual coverage:

Includes $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and 2 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural locations have lower incidents of accident claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above show why it is important to compare rates quotes using their specific location, rather than using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $565
• Raising to $1,000 deductibles will save $852 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $918
• Choosing low $100 deductibles bumps up the cost to $1,042
• Unlucky drivers with multiple violations and an at-fault accident could pay around $1,974
• The price that insures a teenage driver can cost $3,792

View Chart as Image

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

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

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $900 every 12 months 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 also has a big influence on Mazda 2 insurance rates. A middle-age driver might find prices 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

Choosing high deductibles can reduce prices by up to $190 a year, while buying higher liability limits will push prices upward. Going 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 Cheapest Mazda 2 Insurance

Getting lower rates on auto insurance consists of being a good driver, having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Shop around every year by getting quotes from direct carriers, and also from insurance agencies where you live.

The following list is a recap of the coverage data covered above.

• Drivers can save around $100 per year just by quoting early and online
• Increasing physical damage deductibles can save approximately $200 each year
• Drivers age 16 to 20 are the costliest to insure, with premiums as much as $316 a month if comprehensive and collision insurance is included
• Drivers that have major violations or accidents could be forced to pay on average $1,060 more per year than a safer driver