Mazda 2 Insurance Rates

Average insurance prices for a Mazda 2 are $918 every 12 months including full coverage. Comprehensive insurance costs an estimated $132, collision insurance costs $154, and liability insurance is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs $1,974 or more. Teenage drivers receive the highest rates at up to $3,792 a year.

Average premium for full coverage: $918

Rate estimates broken down by individual coverage type:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all 2 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities. The example below illustrates how location impacts insurance prices.

These examples highlight why everyone should compare rates quotes for a targeted area and their own driving history, rather than relying on average rates.

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

Rate Comparisons

The chart below breaks down average Mazda 2 insurance rates for other coverage scenarios.

• The best discount rate is $565
• Raising to $1,000 deductibles will save approximately $66 every year
• The average price for a 40-year-old driver who has $500 deductibles is $918
• Using pricier low deductibles costs an extra $124 a year
• Higher-risk drivers who are prone to accidents and violations could pay up to $1,974
• The cost to insure a teen driver for full coverage can cost as much as $3,792

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Car insurance rates for a Mazda 2 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles can reduce rates by up to $190 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles could pay as little as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged at least $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 $1,100 to $1,600 extra per year, depending on your age. Mazda 2 insurance for high-risk drivers is expensive and can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

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

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How to Shop for Cheaper Mazda 2 Insurance

Saving money on Mazda 2 insurance consists of avoiding accidents and claims, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Spend time shopping around at every policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The points below are a condensed summary of the data touched on above.

• Drivers who want increased liability limits will pay an extra $520 per year to raise from a minimum limit to a 250/500 level
• You may be able to save approximately $100 per year just by quoting online well ahead of the renewal date
• Increasing deductibles could save as much as $200 each year
• Drivers under the age of 20 have the highest car insurance rates, as much as $316 per month if the policy includes full coverage