Mazda 2 Insurance Rates

The average insurance rates for a Mazda 2 are $918 a year for full coverage insurance. Comprehensive insurance costs an estimated $132 a year, collision insurance costs $154, and liability coverage is $474. Liability-only insurance costs around $522 a year, and high-risk driver insurance costs $1,974 or more. Teenage drivers cost the most to insure at up to $3,792 a year.

Average premium for full coverage: $918

Policy rates broken down by type of insurance:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and 2 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates how your location can change insurance prices.

The examples above illustrate why it is important to compare rates quotes for a targeted area and risk profile, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $565
• Raising to $1,000 deductibles will save approximately $852 each year
• The average rate for a good driver age 40 who has $500 deductibles is $918
• Using low $100 deductibles will cost an extra $124 each year
• Unlucky drivers who are prone to accidents and violations could pay up to $1,974
• Policy cost for full coverage for a teenage driver can cost as much as $3,792

View Chart as Image

Auto insurance rates for a Mazda 2 also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.

Older drivers with a good driving record and high deductibles may only pay around $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $3,700 a year. View Rates by Age

Your home state also has a big influence on Mazda 2 insurance rates. A middle-age driver might find rates as low as $600 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,240 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $190 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 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 probably paying $1,100 to $1,600 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 133% more than a normal policy. View High Risk Driver Rates

How to Find Cheap Mazda 2 Insurance

Finding cheaper rates on auto insurance consists of being a good driver, having good credit, being claim-free, and consideration of higher deductibles. Invest the time to shop around every time your policy renews by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a brief summary of the information illustrated above.

• It is possible to save approximately $100 per year just by quoting early and online
• Drivers age 16 to 20 are the costliest to insure, possibly costing $316 each month if they have full coverage
• Increasing comprehensive and collision deductibles can save around $200 each year
• Drivers that tend to have accidents or serious violations pay on average $1,060 more annually than a safer driver
• Consumers who want an increased level of liability coverage will pay an extra $520 annually to raise from a 30/60 limit to 250/500 limits