Mazda 2 Insurance Rates

The average auto insurance rates for a Mazda 2 are $918 annually for full coverage insurance. Comprehensive insurance costs around $132 a year, collision insurance costs $154, and liability is estimated at $474. Liability-only coverage costs approximately $522 a year, and high-risk coverage costs $1,974 or more. Teenage drivers cost the most to insure at up to $3,792 a year.

Average premium for full coverage: $918

Policy rates for type of insurance:

Price estimates include $500 deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and 2 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than densely populated cities. The diagram below illustrates how location helps determine auto insurance rates.

The examples above illustrate why it is important to get quotes for a specific zip code and their own personal driving habits, instead of using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $565
• Choosing higher $1,000 deductibles can save about $852 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $918
• Using low $100 deductibles for comp and collision coverage costs an additional $124 every year
• Unlucky drivers who are prone to accidents and violations could pay at least $1,974
• Policy cost with full coverage for a teen driver can be $3,792 each year

View Chart as Image

Insurance rates for a Mazda 2 also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay as much as $3,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,100 to $1,600 additional every year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $190 every year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Mazda 2 insurance prices. A good driver about age 40 could pay as low as $600 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,240 on average in Michigan, New York, and Florida.

View Chart as Image

How to Buy Cheaper Mazda 2 Insurance

Finding cheaper rates on car insurance takes not taking risks behind the wheel, having good credit, being claim-free, and deciding if full coverage is necessary. Invest time comparing rates every year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a condensed summary of the coverage data covered in the charts and tables above.

• It is possible to save up to $100 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $200 each year
• Teens are charged the highest rates, possibly costing $316 each month if they have full coverage
• Higher risk drivers with multiple at-fault accidents pay on average $1,060 more every year for 2 insurance