Mazda 2 Insurance Rates

Estimated insurance rates for a Mazda 2 are $918 a year for full coverage. Comprehensive costs around $132 a year, collision insurance costs $154, and liability costs $474. Liability-only insurance costs as little as $522 a year, and high-risk driver insurance costs around $1,974. 16-year-old drivers pay the most at up to $3,792 a year.

Average premium for full coverage: $918

Premium estimates for type of coverage:

These estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and 2 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than congested cities. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences show why it is important to compare rates for a specific zip code, instead of using rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $565
• Drivers who choose higher $1,000 deductibles will pay about $852 a year
• The estimated price for a 40-year-old good driver using $500 deductibles is $918
• Buying low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,042
• Higher-risk drivers with multiple tickets or accidents could pay at least $1,974
• An auto insurance policy that insures a teen driver can be $3,792 a year

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Insurance prices for a Mazda 2 also have a wide range based on the trim level of your 2, how you drive, and deductibles and policy limits.

If you have a few violations or you caused an accident, you could be paying at least $1,100 to $1,600 additional annually, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 133% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $3,700 a year. View Rates by Age

Where you choose to live makes a big difference in Mazda 2 insurance prices. A 40-year-old driver could pay as low as $610 a year in states like Idaho, Maine, and Iowa, or at least $1,310 on average in Michigan, Louisiana, and New York.

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Opting for high physical damage deductibles could save up to $190 every year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

How to Find Cheap Mazda 2 Insurance

Finding better rates on car insurance not only requires having a decent driving record, but also having a good credit score, not filing small claims, and deciding if full coverage is necessary. Comparison shop at least once a year by quoting rates from direct carriers, and also from several local insurance agents.

The following items are a brief summary of the primary concepts that were covered above.

• Drivers can save up to $100 per year just by quoting early and online
• Higher risk drivers that tend to have accidents or serious violations pay on average $1,060 more every year than a driver with a clean driving record
• Increasing policy deductibles can save approximately $200 each year
• 16 to 18-year-old drivers are charged the highest prices, as much as $316 per month if comprehensive and collision insurance is included