Mazda 2 Insurance Rates

Average auto insurance rates for a Mazda 2 are $918 annually for full coverage. Comprehensive costs on average $132 a year, collision insurance costs $154, and liability is $474. A policy with just liability insurance costs around $522 a year, and coverage for high-risk drivers costs around $1,974. Teenage drivers receive the highest rates at up to $3,792 a year.

Average premium for full coverage: $918

Rate estimates by individual coverage type:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and 2 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas tend to have fewer accident claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

These examples show why it is important to compare rates quotes based on a specific location and their own personal driving habits, instead of using average rates.

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

More Rate Details

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

• The best discount rate is $565
• Raising to $1,000 deductibles will save around $852 a year
• The estimated rate for a 40-year-old driver with $500 deductibles is $918
• Using low $100 deductibles will cost $1,042
• At-risk drivers who are prone to accidents and violations could pay upwards of $1,974
• The cost with full coverage for a teen driver may cost $3,792

View Chart as Image

Insurance rates for a Mazda 2 can also vary considerably based on the trim level of your 2, your driver profile, and policy deductibles and limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $3,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,100 to $1,600 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 133% more than a normal policy. View High Risk Driver Rates

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

Where you live also has a big influence on Mazda 2 insurance prices. A middle-age driver might find rates as low as $610 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,310 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy Affordable Mazda 2 Insurance

Saving money on car insurance consists of being safe and accident-free, having good credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Set aside time to compare rates every time your policy renews by getting rate quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

Below you'll find a brief review of the information covered above.

• Drivers can save as much as $100 per year just by quoting early and online
• Youthful drivers pay higher rates, costing as high as $316 per month if they have full coverage
• Increasing deductibles could save up to $200 each year
• Higher risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,060 more each year than a low-risk driver
• Policyholders who require more liability protection will pay an extra $520 each year to raise from a minimum limit to higher 250/500 limits