Mazda 2 Insurance Rates

Average insurance rates for a Mazda 2 are $918 a year for full coverage insurance. Comprehensive costs an estimated $132 a year, collision insurance costs $154, and liability costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs around $1,974. Teen drivers receive the highest rates at up to $3,792 a year.

Average premium for full coverage: $918

Rate estimates broken down by individual coverage type:

Rates are based on $500 physical damage deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and 2 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than larger metro areas. The diagram below illustrates the effect of geographic area on insurance prices.

These examples illustrate why it is important to compare rates for a targeted area and risk profile, instead of using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $565
• Drivers who choose higher $1,000 deductibles will pay approximately $852 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $918
• Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,042
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $1,974
• The cost for full coverage for a teen driver can cost as much as $3,792 a year

View Chart as Image

Car insurance rates for a Mazda 2 can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

Older drivers with no driving violations and high deductibles may pay as little as $900 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged at least $3,700 a year. View Rates by Age

Where you live makes a big difference in Mazda 2 insurance prices. A 40-year-old driver could pay as low as $600 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,240 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $190 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,100 to $1,600 extra per year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 133% more than average. View High Risk Driver Rates

How to Find the Best Cheap Mazda 2 Insurance

Saving money on car insurance not only requires being a safe and courteous driver, but also having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Take the time to compare rates every couple of years by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

Below is a quick review of the material that was covered in the above illustrations.

• Policyholders who want higher levels of liability will pay about $520 annually to go from a minimum limit to 250/500 limits
• Teenage drivers have the highest car insurance rates, costing up to $316 per month if full coverage is included
• Higher risk drivers with a DUI or reckless driving violation pay on average $1,060 more annually for auto insurance
• Increasing deductibles can save around $200 each year