Mazda Tribute Insurance Rates

The average auto insurance rates for a Mazda Tribute are $780 annually including full coverage. Comprehensive insurance costs approximately $116, collision costs $152, and liability costs around $376. Buying just liability costs as low as $426 a year, with insurance for high-risk drivers costing $1,672 or more. 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:

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

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how location impacts auto insurance prices.

The examples above highlight why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Rate Comparisons

The chart below breaks down 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 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $780
• Selecting more expensive low deductibles for physical damage coverage costs an additional $116 annually
• High-risk insureds with serious driving violations could pay around $1,672 or more
• Policy cost with full coverage for a 16-year-old driver with full coverage can cost $3,186 or more

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 physical damage deductibles and liability limits.

An older driver with a clean driving record and high physical damage deductibles may pay as low as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark 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 are likely paying anywhere from $900 to $1,300 extra every year, depending on your age. High-risk driver insurance can be from 41% to 128% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $180 annually, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $339 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Mazda Tribute insurance prices. A driver around age 40 might see rates as low as $600 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,110 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates from multiple companies. Each insurance company calculates rates differently, so the 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 insurance for a Mazda Tribute requires having a decent driving record, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Spend time shopping around at least every other year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following items are a condensed summary of the car insurance concepts touched on above.

• Drivers considered higher risk with multiple at-fault accidents may have to pay on average $890 more per year than a driver with a clean driving record
• You may be able to save around $90 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $175 each year
• Insureds who purchase additional liability coverage will pay approximately $410 per year to increase from a 30/60 limit to higher 250/500 limits