Mazda 2 Insurance Rates

U.S. average auto insurance rates for a Mazda 2 are $918 annually with full coverage. Comprehensive costs an estimated $132 each year, collision insurance costs $154, and liability insurance costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs around $1,974. Teenage drivers pay the highest rates at up to $3,792 a year.

Average premium for full coverage: $918

Price estimates broken down by individual coverage:

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and 2 models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. More rural locations have fewer collision claims than densely populated cities. The graphic below illustrates how your location can change insurance prices.

The ranges above demonstrate why all drivers should compare rates for a targeted area and their own personal driving habits, rather than relying on average rates.

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

More Rate Information

The chart below details average Mazda 2 insurance rates for other coverage scenarios.

• The best discount rate is $565
• Drivers who choose higher $1,000 deductibles will pay approximately $66 annually
• The estimated rate for the average middle-age driver who has $500 deductibles is $918
• Using low deductibles for comprehensive and collision insurance will cost $1,042
• High risk drivers who are prone to accidents and violations could pay up to $1,974
• The price with full coverage for a teen driver can cost as much as $3,792 a year

View Chart as Image

Auto insurance prices for a Mazda 2 are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $900 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay at least $3,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,100 to $1,600 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $190 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Mazda 2 insurance rates. A 40-year-old driver could pay as low as $660 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,240 on average in New York, Michigan, and Florida.

View Chart as Image

How to Buy Cheaper Mazda 2 Insurance

Getting lower rates on Mazda 2 insurance not only requires being a good driver, but also having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to shop around at least every other year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a condensed summary of the car insurance concepts illustrated above.

• High-risk drivers with multiple at-fault accidents pay on average $1,060 more annually than a safer driver
• You may be able to save approximately $100 per year just by quoting online in advance
• Increasing physical damage deductibles could save up to $200 each year
• Drivers who want an increased level of liability coverage will pay an extra $520 every year to go from a low limit to higher 250/500 limits