Mazda 2 Insurance Rates

U.S. average insurance rates for a Mazda 2 are $942 a year for full coverage. Comprehensive costs around $140, collision insurance costs $170, and liability costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers costs around $2,026. Teen drivers pay the highest rates at up to $3,866 a year.

Average premium for full coverage: $942

Price estimates for individual coverage:

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for all 2 models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than larger metro areas. The example below illustrates how geographic area affects auto insurance rates.

The ranges above show why everyone should compare prices for a specific zip code and risk profile, instead of using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $578
• Using higher $1,000 deductibles will save about $72 a year
• The average rate for the average middle-age driver using $500 deductibles is $942
• Choosing pricier low deductibles for physical damage coverage will increase the cost to $1,076
• Drivers with multiple violations and an at-fault accident could pay at least $2,026
• The price for full coverage for a teen driver for full coverage can be $3,866 or more

View Chart as Image

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

A more mature driver with no violations or accidents and high deductibles may pay as little as $900 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $3,800 a year. View Rates by Age

The state you live in has a huge impact on Mazda 2 insurance prices. A driver around age 40 might see prices as low as $620 a year in states like Idaho, Maine, and Iowa, or as much as $1,350 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut prices by as much as $210 every year, whereas buying more liability protection will increase prices. Going 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 could be paying at least $1,100 to $1,600 additional each year, depending on your age. Mazda 2 insurance for high-risk drivers can be as much as 41% to 130% more than average. View High Risk Driver Rates

How to Find Affordable Mazda 2 Insurance

Getting lower rates on car insurance requires avoiding accidents and claims, having a good credit history, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest the time to compare rates at least once a year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

The points below are a brief review of the primary concepts that were presented in the illustrations above.

• Drivers can save up to $100 per year just by quoting online well ahead of the renewal date
• Higher risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,080 more every year to insure a Mazda 2
• Increasing physical damage deductibles can save around $200 each year
• Drivers under the age of 20 are charged the highest prices, with premiums as much as $322 a month including comprehensive and collision insurance