Mazda 2 Insurance Rates

The average insurance rates for a Mazda 2 are $918 a year including full coverage. Comprehensive insurance costs around $132, 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. 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:

Includes $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for all 2 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The example below illustrates how location impacts auto insurance rates.

The examples above highlight why everyone should compare rates for a specific zip code and risk profile, instead of making a decision based on average rates.

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

Additional Rate Details

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

• The best discount rate is $565
• Drivers who choose higher $1,000 deductibles will pay about $66 every year
• The average rate for a good driver age 40 using $500 deductibles is $918
• Using pricier low deductibles for comprehensive and collision insurance will cost an extra $124 annually
• Drivers who are prone to accidents and violations could pay at least $1,974
• Policy cost for full coverage for a 16-year-old driver for full coverage can be $3,792 a year

View Chart as Image

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

A more mature driver with no violations or accidents and high deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $3,700 a year. View Rates by Age

Your home state 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 be forced to pay as much as $1,310 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could save up to $190 annually, whereas buying more liability protection will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,100 to $1,600 additional every year, depending on your age. Mazda 2 insurance for high-risk drivers can cost from 42% to 133% more than a normal policy. View High Risk Driver Rates

How to Find the Cheapest Mazda 2 Insurance

Finding cheaper rates on insurance for a Mazda 2 not only requires avoiding accidents and claims, but also having a good credit history, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Spend time shopping around at least every other year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a recap of the car insurance concepts touched on above.

• Drivers considered higher risk that have major violations or accidents pay on average $1,060 more every year to insure a Mazda 2
• You may be able to save up to $100 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $200 each year
• Insureds who may need increased liability limits will pay an extra $520 per year to go from a 30/60 limit to 250/500 limits