Mazda 2 Insurance Rates

The average insurance prices for a Mazda 2 are $918 every 12 months with full coverage. Comprehensive insurance costs around $132 each year, collision insurance costs $154, and liability costs around $474. A liability-only policy costs as low as $522 a year, and high-risk insurance costs $1,974 or more. Teens cost the most to insure at up to $3,792 a year.

Average premium for full coverage: $918

Policy rates for type of insurance:

Rates are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and 2 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than cities with more traffic congestion. The graphic below illustrates how where you live affects auto insurance rates.

The examples above demonstrate why all drivers should compare prices for a specific zip code and their own driving history, instead of using averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $565
• Using higher $1,000 deductibles will save about $66 annually
• The average price for a good driver age 40 using $500 deductibles is $918
• Selecting low deductibles for physical damage coverage costs an extra $124 every year
• Drivers with serious driving violations could pay at least $1,974
• Policy cost to insure a teen driver can be $3,792 or more

View Chart as Image

Car insurance rates for a Mazda 2 also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $190 every year, whereas increasing liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $3,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,100 to $1,600 extra every year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 133% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Mazda 2 insurance prices. A driver around age 40 might see rates as low as $660 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,240 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for the Best Cheap Mazda 2 Insurance

Finding cheaper rates on car insurance requires being a low-risk driver, maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Take the time to comparison shop at least once a year by obtaining price quotes from direct companies, and also from several local insurance agents.

The items below are a quick review of the primary concepts that were touched on in the above illustrations.

• You may be able to save up to $100 per year just by quoting online in advance
• Higher risk drivers with a DUI or reckless driving violation pay on average $1,060 more every year to insure their 2
• Increasing comprehensive and collision deductibles could save as much as $200 each year
• Teen drivers are the costliest to insure, as much as $316 each month if the policy includes full coverage