Mazda 2 Insurance Rates

Average insurance rates for a Mazda 2 are $918 a year for full coverage insurance. Comprehensive costs on average $132, collision insurance costs $154, and liability costs around $474. Liability-only coverage costs as low 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 by individual coverage type:

Rates are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for all 2 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on insurance rates. Rural areas tend to have lower incidents of physical damage claims than larger metro areas. The example below illustrates how rural and urban location affects car insurance rates.

These examples illustrate why everyone should compare prices based on a specific location, instead of using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $565
• Using higher $1,000 deductibles will save around $66 each year
• The estimated price for a 40-year-old driver with $500 deductibles is $918
• Choosing pricier low deductibles for physical damage coverage bumps up the cost to $1,042
• Drivers with multiple violations and an at-fault accident could pay upwards of $1,974
• The cost that insures a teen driver for full coverage may cost $3,792 or more

View Chart as Image

Car insurance rates for a Mazda 2 can also vary considerably based on the model of your 2, your age and driving record, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are probably paying at a minimum $1,100 to $1,600 extra per year, depending on your age. Mazda 2 insurance for high-risk drivers can be as much as 42% to 133% more than average. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $900 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged upwards of $3,700 a year. View Rates by Age

Where you live has a huge impact on Mazda 2 insurance prices. A driver around age 40 might see rates as low as $600 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,240 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could cut rates by as much as $190 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Mazda 2 Insurance

Saving money on car insurance requires being a low-risk driver, having a positive credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Shop around every year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a quick review of the coverage data raised in the charts and tables above.

• It is possible to save as much as $100 per year just by quoting online well ahead of the renewal date
• Increasing deductibles can save approximately $200 each year
• Teen drivers are expensive to insure, costing up to $316 per month if full coverage is purchased
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,060 more each year to insure their 2