Mazda Tribute Insurance Rates

The average insurance rates for a Mazda Tribute are $780 a year for full coverage insurance. Comprehensive costs approximately $116 each year, collision costs $152, and liability costs around $376. A liability-only policy costs as low as $426 a year, with high-risk insurance costing around $1,672. Teens cost the most to insure at $3,186 a year or more.

Average premium for full coverage: $780

Policy rates by type of insurance:

Full coverage includes $500 deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Tribute models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion.

The graphic below illustrates how geographic area affects auto insurance prices.

The examples above illustrate why all drivers should compare prices using their specific location, instead of making a decision based on averaged prices.

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

Additional Rate Analysis

The chart below illustrates estimated Mazda Tribute insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $479
• Using higher $1,000 deductibles will save $62 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $780
• Selecting low deductibles for physical damage coverage bumps up the cost to $896
• High-risk insureds with serious driving violations could pay around $1,672 or more
• Policy cost that insures a 16-year-old driver can cost $3,186 or more

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $900 to $1,300 extra every year, depending on your age. Insurance for high-risk drivers can be from 41% to 128% more than the average policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged in the ballpark of $3,100 a year. View Rates by Age

Your home state has a huge impact on Mazda Tribute insurance prices. A driver around age 40 might see rates as low as $510 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,050 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $180 annually, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $339 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison from multiple companies. Each insurance company calculates rates differently, so rate quotes will be varied.

Insurance Rates by Trim Level and Model Year

Rates assume 2005 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find More Affordable Mazda Tribute Insurance

Finding cheaper rates on insurance for a Mazda Tribute requires not taking risks behind the wheel, having a positive credit history, being claim-free, and avoiding coverage lapses. Compare rates at least once a year by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The following is a summary of the primary concepts that were presented in the illustrations above.

• It is possible to save around $90 per year simply by quoting online in advance
• Drivers considered higher risk who have multiple accidents or major violations could be charged and average of $890 more per year for Tribute insurance
• Increasing comprehensive and collision deductibles can save approximately $175 each year
• Teens pay the highest auto insurance rates, possibly costing $266 each month if full coverage is purchased