Mazda 2 Insurance Rates

Estimated auto insurance rates for a Mazda 2 are $918 annually for full coverage. Comprehensive insurance costs an estimated $132 a year, collision insurance costs $154, and liability coverage costs $474. Liability-only insurance costs as little as $522 a year, and high-risk driver insurance costs $1,974 or more. Teenage drivers pay the most at up to $3,792 a year.

Average premium for full coverage: $918

Premium estimates broken down by type of coverage:

Prices include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and 2 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on insurance rates. More rural locations are statistically proven to have fewer accident claims than densely populated cities. The diagram below illustrates how location helps determine insurance prices.

These rate differences show why it is important to compare rates for a targeted area and their own personal driving habits, rather than using average rates.

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

More Rate Information

The chart below shows 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 a year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $918
• Using low $100 deductibles for comprehensive and collision insurance costs an additional $124 each year
• High-risk insureds who are prone to accidents and violations could pay up to $1,974
• An auto insurance policy with full coverage for a teenage driver can cost as much as $3,792 a year

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Insurance prices for a Mazda 2 also have a wide range based on the model of your 2, your driver profile, and liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay at least $3,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying $1,100 to $1,600 additional annually, depending on your age. A high-risk auto insurance policy can cost around 42% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $190 a year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

Where you choose to live 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 Iowa, Maine, and Idaho, or be forced to pay as much as $1,310 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Buy the Right Mazda 2 Insurance

Finding better rates on auto insurance not only requires being safe and accident-free, but also having good credit, not filing small claims, and possibly raising deductibles. Invest time comparing rates every couple of years by requesting rates from direct carriers, and also from local exclusive and independent agents.

Below you'll find a quick rundown of the material that was covered in the charts and tables above.

• Consumers who want more liability protection will pay an extra $520 each year to go from 30/60 bodily injury limits to higher 250/500 limits
• Youthful drivers are expensive to insure, as much as $316 per month if they have full coverage
• Drivers with reckless driving or DUI convictions may pay on average $1,060 more annually than a low-risk driver
• Increasing policy deductibles could save up to $200 each year