Mazda Tribute Insurance Rates

The average auto insurance rates for a Mazda Tribute are $780 annually with full coverage. Comprehensive insurance costs on average $116, collision costs $152, and liability is $376. Liability-only insurance costs around $426 a year, with high-risk driver insurance costing $1,672 or more. Teen drivers 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 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for different Tribute trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas are shown to have fewer collision claims than larger metro areas.

The price range example below illustrates how location helps determine car insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, instead of using price averages.

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

Detailed Rate Analysis

The chart below details estimated Mazda Tribute insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $479
• Raising to $1,000 deductibles will save around $62 annually
• The estimated rate for a good driver age 40 with $500 deductibles is $780
• Choosing more expensive low deductibles costs an additional $116 every year
• At-risk drivers with multiple violations and an at-fault accident could pay upwards of $1,672 or more
• Policy cost with full coverage for a teen driver with full coverage may cost $3,186

View Chart as Image

Auto insurance rates for a Mazda Tribute also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.

An older driver with a good driving record and high physical damage deductibles may pay as little as $800 every 12 months on average, or $67 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay upwards of $3,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $900 to $1,300 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 41% to 128% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $180 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $339 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Mazda Tribute insurance prices. A middle-age driver might find rates as low as $560 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,050 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out exactly what you will pay is to compare rates and see which company has the best rate. Every auto insurance company uses a different rate calculation, and quoted rates will be varied between companies.

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 Buy More Affordable Mazda Tribute Insurance

Finding cheaper rates on car insurance consists of being a low-risk driver, having above-average credit, not filing small claims, and taking advantage of discounts. Invest time comparing rates every time your policy renews by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The items below are a summary of the information covered in the charts and tables above.

• You may be able to save as much as $90 per year simply by shopping early and online
• Teen drivers are charged the highest rates, as much as $266 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save up to $175 each year
• Higher risk drivers who have multiple accidents or major violations pay an average of $890 more each year to insure their Tribute
• Policyholders who require more liability coverage will pay about $410 every year to raise from a 30/60 limit to higher 250/500 limits