Mazda 2 Insurance Rates

Average insurance rates for a Mazda 2 are $918 a year including full coverage. Comprehensive costs on average $132 a year, collision insurance costs $154, and liability is $474. A policy with just liability insurance costs around $522 a year, and coverage for high-risk drivers costs around $1,974. Teens receive the highest rates at up to $3,792 a year.

Average premium for full coverage: $918

Rate estimates by individual coverage type:

Rates are based on $500 deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and 2 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how where you live affects car insurance rates.

These examples highlight why it is important to compare rates quotes based on a specific location and risk profile, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

The chart below breaks down average Mazda 2 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $565
• Raising to $1,000 deductibles will save around $852 every year
• The average rate for a 40-year-old driver with $500 deductibles is $918
• Selecting low $100 deductibles will increase the cost to $1,042
• Drivers with serious driving violations could pay upwards of $1,974
• The cost for full coverage for a 16-year-old driver may cost $3,792

View Chart as Image

Insurance rates for a Mazda 2 can also vary considerably based on your driver profile, the model of your 2, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may pay as low as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $3,700 a year. View Rates by Age

Where you live also has a big influence on Mazda 2 insurance prices. A middle-age driver might find rates as low as $710 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,310 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $190 annually, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,100 to $1,600 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 133% more than the average policy. View High Risk Driver Rates

How to Find the Best Cheap Mazda 2 Insurance

Saving money on insurance for a Mazda 2 consists of not taking risks behind the wheel, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Take the time to comparison shop at every policy renewal by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following is a quick review of the data touched on in the above illustrations.

• Insureds who require higher liability limits will pay approximately $520 per year to raise from a minimum limit to 250/500 limits
• You may be able to save as much as $100 per year just by quoting early and online
• Increasing deductibles can save around $200 each year
• Teens pay higher rates, as much as $316 per month including comprehensive and collision insurance