Mazda 2 Insurance Rates

Average insurance rates for a Mazda 2 are $918 a year including full coverage. Comprehensive costs approximately $132 a year, collision insurance costs $154, and liability costs around $474. A policy with just liability insurance costs as low as $522 a year, and coverage for high-risk drivers 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:

Prices include $500 policy deductibles, 30/60 liability coverage, 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

Where you live can have significant affects on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance prices.

These examples highlight why it is important to compare prices using their specific location and risk profile, 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 additional coverage and risk scenarios.

• The best full coverage rate is $565
• Using higher $1,000 deductibles will save $852 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $918
• Buying low $100 deductibles for physical damage coverage will increase the cost to $1,042
• Drivers with multiple tickets or accidents could pay around $1,974
• The cost for full coverage for a teen driver can cost $3,792 or more

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 physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles may pay as little as $900 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay in the ballpark of $3,700 a year. View Rates by Age

Where you live has a huge impact on Mazda 2 insurance prices. A driver around age 40 might see rates as low as $710 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,310 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $190 every year, while buying higher liability limits will push rates upward. 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 anywhere from $1,100 to $1,600 additional per year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 133% more than the average rate. View High Risk Driver Rates

How to Find the Right Mazda 2 Insurance

Saving money on car insurance requires being a good driver, having a good credit history, not filing small claims, and consideration of higher deductibles. Set aside time to shop around every year by getting quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The following list is a quick rundown of the coverage data raised in the charts and tables above.

• You may be able to save around $100 per year just by quoting early and online
• Increasing deductibles can save around $200 each year
• Drivers age 16 to 20 are the costliest to insure, as much as $316 per month including comprehensive and collision insurance
• Higher risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,060 more per year than a safer driver