Mazda 2 Insurance Rates

The average insurance rates for a Mazda 2 are $918 a year with full coverage. Comprehensive insurance costs an estimated $132 a year, collision insurance costs $154, and liability insurance costs $474. Liability-only insurance costs as little as $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:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and 2 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on insurance prices.

The examples above demonstrate why it is important to compare rates for a targeted area and risk profile, rather than relying on average rates.

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

More Rate Details

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

• The best discount rate is $565
• Drivers who choose higher $1,000 deductibles will pay approximately $852 annually
• The average rate for a good driver age 40 who has $500 deductibles is $918
• Using low $100 deductibles for comprehensive and collision insurance will cost an extra $124 a year
• High risk drivers who are prone to accidents and violations could pay up to $1,974
• Policy cost for full coverage for a teen driver can cost as much as $3,792 a year

View Chart as Image

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

Older drivers with a good driving record and high deductibles could pay as little as $900 per year 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 makes a big difference in Mazda 2 insurance rates. A 40-year-old driver could pay as low as $660 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,240 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $190 each year, while buying higher liability limits will increase premiums. Moving 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 may be forking out $1,100 to $1,600 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

How to Find Affordable Mazda 2 Insurance

Finding cheaper rates on Mazda 2 insurance not only requires being safe and accident-free, but also having good credit, not filing small claims, and consideration of higher deductibles. Set aside time to compare rates at every policy renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a brief review of the data covered above.

• Drivers who want more liability protection will pay an extra $520 every year to go from a 30/60 limit to 250/500 limits
• You may be able to save approximately $100 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $200 each year
• Youthful drivers are the costliest to insure, as much as $316 each month if they have full coverage