Mazda 2 Insurance Rates

Average insurance prices for a Mazda 2 are $918 every 12 months including full coverage. Comprehensive costs on average $132 a year, collision insurance costs $154, and liability costs $474. A liability-only policy costs as little as $522 a year, and high-risk insurance costs around $1,974. 16-year-old drivers receive the highest rates at up to $3,792 a year.

Average premium for full coverage: $918

Rate estimates by individual coverage type:

Price estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and 2 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than congested cities. The diagram below illustrates how location helps determine car insurance rates.

These examples highlight why it is important to compare rates based on a specific location and their own driving history, instead of using rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $565
• Drivers who choose higher $1,000 deductibles will pay around $852 every year
• The average price for a 40-year-old driver with $500 deductibles is $918
• Buying low $100 deductibles for comprehensive and collision insurance increases the price to $1,042
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $1,974
• The cost to insure a teen driver may cost $3,792 a year

View Chart as Image

Insurance rates for a Mazda 2 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your 2.

Opting for high physical damage deductibles could save up to $190 every year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $900 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay upwards of $3,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,100 to $1,600 extra per year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 133% more than the average rate. View High Risk Driver Rates

Where you live makes a big difference in Mazda 2 insurance prices. A 40-year-old driver could pay as low as $710 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,310 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Shop for Cheaper Mazda 2 Insurance

Saving money on car insurance not only requires being a low-risk driver, but also having good credit, not filing small claims, and determing if full coverage is necessary. Invest time comparing rates at least once a year by getting price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a condensed summary of the primary concepts that were covered in the charts and tables above.

• You may be able to save as much as $100 per year just by quoting early and online
• Higher risk drivers with multiple at-fault accidents may pay on average $1,060 more each year to insure their 2
• Increasing deductibles could save as much as $200 each year
• Teen drivers pay the highest rates, as much as $316 per month if they have full coverage