Mazda 2 Insurance Rates

U.S. average insurance rates for a Mazda 2 are $918 a year including full coverage. Comprehensive insurance costs around $132 each year, collision insurance costs $154, and liability costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs $1,974 or more. Teens pay the highest rates at up to $3,792 a year.

Average premium for full coverage: $918

Price estimates for individual coverage:

Full coverage includes $500 deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and 2 models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates the difference location can make on auto insurance rates.

The ranges above highlight why all drivers should compare rates for a specific zip code, instead of using averaged prices.

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

Additional Charts and Tables

The chart below breaks down average Mazda 2 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $565
• Drivers who choose higher $1,000 deductibles will pay about $66 every year
• The estimated price for the average middle-age driver using $500 deductibles is $918
• Selecting low deductibles for comprehensive and collision insurance will cost an additional $124 every year
• Higher-risk drivers with serious driving violations could pay at least $1,974
• The price that insures a teen driver can be $3,792 a year

View Chart as Image

Auto insurance prices for a Mazda 2 are also quite variable based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $1,100 to $1,600 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 133% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $900 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay as much as $3,700 a year. View Rates by Age

The state you live in makes a big difference in Mazda 2 insurance prices. A 40-year-old driver could pay as low as $710 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,310 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $190 every year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

How to Find More Affordable Mazda 2 Insurance

Getting lower rates on car insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, being claim-free, and possibly raising deductibles. Compare rates every couple of years by getting quotes from direct car insurance companies, and also from local insurance agencies.

The following is a summary of the material that was touched on in this article.

• Policyholders who may need higher liability limits will pay approximately $520 per year to go from a low limit to the 250/500 level
• Teens are expensive to insure, possibly costing $316 a month if the policy includes full coverage
• Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,060 more every year for 2 insurance
• Increasing physical damage deductibles can save approximately $200 each year