Mazda 2 Insurance Rates

U.S. average insurance rates for a Mazda 2 are $918 a year including full coverage. Comprehensive insurance costs an estimated $132 a year, 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. 16-year-old drivers pay the highest rates at up to $3,792 a year.

Average premium for full coverage: $918

Price estimates broken down by individual coverage:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and 2 trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than congested cities. The diagram below illustrates how rural and urban location affects insurance prices.

The ranges above highlight why it is important to compare rates for a targeted area and risk profile, rather than relying on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $565
• Drivers who choose higher $1,000 deductibles will pay approximately $852 every year
• The average rate for the average middle-age driver who has $500 deductibles is $918
• Buying low $100 deductibles for comprehensive and collision insurance will cost an extra $124 a year
• High risk drivers with multiple tickets or accidents could pay up to $1,974
• The price for full coverage for a teen driver can cost as much as $3,792 a year

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Insurance prices for a Mazda 2 are also quite variable based on your driving record, the model of your 2, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles could pay as little as $900 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay at least $3,700 a year. View Rates by Age

The state you live in makes a big difference in Mazda 2 insurance rates. A 40-year-old driver could pay 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.

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Opting for high physical damage deductibles could save up to $190 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying $1,100 to $1,600 additional each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 133% more than the average rate. View High Risk Driver Rates

How to Find Affordable Mazda 2 Insurance

Getting lower rates on Mazda 2 insurance not only requires being safe and accident-free, but also having a good credit history, being claim-free, and possibly raising deductibles. Set aside time to shop around every year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below you'll find a brief review of the coverage data raised in the charts and tables above.

• You may be able to save approximately $100 per year just by quoting early and online
• Increasing physical damage deductibles can save around $200 each year
• Youthful drivers are expensive to insure, possibly costing $316 a month including comprehensive and collision insurance
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,060 more annually than a low-risk driver