Mazda 2 Insurance Rates

The average insurance rates for a Mazda 2 are $942 a year including full coverage. Comprehensive costs on average $140 a year, collision insurance costs $170, and liability costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers costs around $2,026. Teen drivers cost the most to insure at up to $3,866 a year.

Average premium for full coverage: $942

Policy rates by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and 2 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than larger metro areas. The diagram below illustrates how where you live affects car insurance rates.

The examples above highlight why it is important to compare prices based on a specific location and risk profile, instead of making a decision based on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $578
• Using higher $1,000 deductibles will save around $870 every year
• The average rate for a good driver age 40 with $500 deductibles is $942
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,076
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,026
• Policy cost for full coverage for a 16-year-old driver may cost $3,866 or more

View Chart as Image

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

Older drivers with a clean driving record and high deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay upwards of $3,800 a year. View Rates by Age

Your home state has a huge impact on Mazda 2 insurance prices. A driver around age 40 might see rates as low as $720 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,350 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could cut rates by as much as $210 annually, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per 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 at a minimum $1,100 to $1,600 extra every year, depending on your age. A high-risk auto insurance policy can be from 41% to 130% more than average. View High Risk Driver Rates

How to Find the Best Mazda 2 Insurance

Finding cheaper rates on insurance for a Mazda 2 requires avoiding accidents and violations, maintaining good credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Take the time to comparison shop at least every other year by getting price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a brief recap of the car insurance concepts touched on in the above illustrations.

• Drivers considered higher risk who tend to receive serious violations may pay on average $1,080 more each year for car insurance
• You may be able to save as much as $100 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $200 each year
• Insureds who require higher liability limits will pay about $520 per year to increase from a 30/60 limit to 250/500 limits