Mazda 2 Insurance Rates

The average insurance prices for a Mazda 2 are $918 every 12 months for full coverage. Comprehensive insurance costs on average $132, collision insurance costs $154, and liability insurance costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs $1,974 or more. Teen drivers cost the most to insure at up to $3,792 a year.

Average premium for full coverage: $918

Policy rates by type of insurance:

Price estimates include $500 deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all states and for different 2 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have more infrequent accident claims than larger metro areas. The price range example below illustrates how location helps determine car insurance rates.

The examples above show why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, rather than relying on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $565
• Drivers who choose higher $1,000 deductibles will pay around $66 a year
• The average price for a good driver age 40 with $500 deductibles is $918
• Choosing more expensive low deductibles for comprehensive and collision insurance costs an extra $124 a year
• High risk drivers with multiple violations and an at-fault accident could pay upwards of $1,974
• Policy cost to insure a teen driver with full coverage may cost $3,792 a year

View Chart as Image

Insurance rates for a Mazda 2 also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your 2.

Choosing high deductibles could save up to $190 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles could pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay upwards of $3,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,100 to $1,600 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 133% more than average. View High Risk Driver Rates

Your home state makes a big difference in Mazda 2 insurance rates. A 40-year-old driver could pay as low as $610 a year in states like Idaho, Maine, and Iowa, or as much as $1,310 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for Cheaper Mazda 2 Insurance

Finding cheaper rates on Mazda 2 insurance not only requires not taking risks behind the wheel, but also having good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Invest time comparing rates every year by quoting rates from direct carriers, and also from local independent and exclusive agents.

The following is a condensed summary of the coverage data covered in the charts and tables above.

• Drivers can save as much as $100 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $200 each year
• Teens pay the highest rates, costing up to $316 each month if they have full coverage
• High-risk drivers with multiple at-fault accidents pay an average of $1,060 more each year for 2 insurance