Mazda Tribute Insurance Rates

The average auto insurance rates for a Mazda Tribute are $780 annually including full coverage. Comprehensive insurance costs around $116, collision costs $152, and liability is estimated at $376. Liability-only coverage costs approximately $426 a year, with high-risk coverage costing $1,672 or more. Teenage drivers cost the most to insure at $3,186 a year or more.

Average premium for full coverage: $780

Policy rates for type of insurance:

Price estimates include $500 physical damage deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for different Tribute trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates how your location can change auto insurance rates.

The examples above highlight why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, instead of using average rates.

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

Rates by State, City, and Model

The chart below breaks down estimated Mazda Tribute insurance rates for additional coverage choices and driver risks.

• The best discount rate is $479
• Choosing higher $1,000 deductibles can save about $62 every year
• The estimated rate for a good driver age 40 using $500 deductibles is $780
• Using more expensive low deductibles for comp and collision coverage costs an additional $116 every year
• Unlucky drivers who are prone to accidents and violations could pay at least $1,672 or more
• Policy cost with full coverage for a teen driver with full coverage can be $3,186 each year

View Chart as Image

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

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay as much as $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 are likely paying at least $900 to $1,300 additional every year, depending on your age. High-risk driver insurance ranges as much as 41% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $180 every year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $339 more each year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Mazda Tribute insurance prices. A good driver about age 40 could pay as low as $600 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,110 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to compare rates and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and 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 Cheaper Mazda Tribute Insurance

Finding cheaper rates on car insurance takes being a safe and courteous driver, having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to shop around once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a condensed summary of the data that was illustrated above.

• You may be able to save up to $90 per year simply by shopping early and online
• Policyholders who may need higher levels of liability will pay an extra $410 per year to raise limits from a 30/60 limit to higher 250/500 limits
• Teenage drivers are charged the highest rates, with premiums being up to $266 each month if they have full coverage
• Higher risk drivers with multiple at-fault accidents may pay on average $890 more every year for auto insurance