Mazda 2 Insurance Rates

The average insurance rates for a Mazda 2 are $972 a year for full coverage. Comprehensive costs approximately $150, collision insurance costs $186, and liability coverage is estimated at $478. A liability-only policy costs approximately $526 a year, and high-risk insurance costs around $2,092. Teen drivers cost the most to insure at up to $3,964 a year.

Average premium for full coverage: $972

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for different 2 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than larger metro areas. The price range example below illustrates the effect of geographic area on auto insurance prices.

The examples above show why anyone shopping for car insurance should get quotes using their specific location and risk profile, rather than using price averages.

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

Detailed Rate Analysis

The chart below shows average Mazda 2 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $593
• Choosing higher $1,000 deductibles can save $76 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $972
• Choosing more expensive low deductibles for comp and collision coverage will increase the cost to $1,118
• Drivers with multiple violations and an at-fault accident could pay around $2,092
• Policy cost for full coverage for a teenage driver with full coverage can cost $3,964 each year

View Chart as Image

Car insurance rates for a Mazda 2 also range considerably based on your risk profile, the trim level of your 2, and physical damage deductibles and liability limits.

An older driver with no driving violations and high deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged in the ballpark of $3,900 a year. View Rates by Age

Your home state plays a big part in determining prices for Mazda 2 insurance rates. A good driver about age 40 could pay as low as $640 a year in states like Iowa, Maine, and Idaho, or as much as $1,390 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $230 a year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $430 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,200 to $1,700 extra every year, depending on your age. High-risk driver insurance ranges around 43% to 137% more than average. View High Risk Driver Rates

How to Find Cheaper Mazda 2 Insurance

Finding cheaper rates on auto insurance takes being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and attention to physical damage deductibles. Take the time to compare rates at every other renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a condensed summary of the concepts that were covered in the above illustrations.

• Drivers with multiple at-fault accidents may pay on average $1,120 more per year than a low-risk driver
• Youthful drivers pay the highest auto insurance rates, costing up to $330 each month if full coverage is included
• Drivers can save around $110 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save around $225 each year
• Drivers can save around $110 per year just by shopping early and online