Mazda 2 Insurance Rates

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

Average premium for full coverage: $918

Rate estimates by individual coverage type:

Rate estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and 2 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on insurance rates. Rural areas tend to have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates how location helps determine car insurance rates.

These examples illustrate why it is important to compare prices based on a specific location, instead of using price averages.

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 different risk profiles and scenarios.

• The lowest rate with discounts is $565
• Using higher $1,000 deductibles will save around $852 each year
• The estimated price for a 40-year-old driver with $500 deductibles is $918
• Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,042
• Drivers with multiple violations and an at-fault accident could pay upwards of $1,974
• The cost that insures a teen driver may cost $3,792 or more

View Chart as Image

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

If you like to drive fast or you caused an accident, you are probably paying at a minimum $1,100 to $1,600 additional per year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 133% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $900 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $3,700 a year. View Rates by Age

Where you live has a huge impact on Mazda 2 insurance prices. A driver around age 40 might see rates as low as $600 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,240 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could cut rates by as much as $190 every year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

How to Find the Best Mazda 2 Insurance

Saving money on car insurance requires being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Shop around every year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a brief recap of the coverage data covered in the charts and tables above.

• It is possible to save as much as $100 per year just by quoting early and online
• Increasing deductibles can save approximately $200 each year
• Teen drivers pay higher rates, costing up to $316 per month if comprehensive and collision insurance is included
• Higher risk drivers who tend to receive serious violations may pay on average $1,060 more each year to insure their 2