Mazda 2 Insurance Rates

Estimated insurance rates for a Mazda 2 are $942 a year with full coverage. Comprehensive costs on average $140 a year, collision insurance costs $170, and liability is estimated at $474. Liability-only insurance costs approximately $522 a year, and high-risk driver insurance costs around $2,026. Teenage drivers pay the most at up to $3,866 a year.

Average premium for full coverage: $942

Premium estimates by type of coverage:

Rate estimates include $500 physical damage deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and 2 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than densely populated cities. The diagram below illustrates how location helps determine car insurance rates.

These rate differences demonstrate why it is important to get quotes based on a specific location and risk profile, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below details average Mazda 2 insurance rates for different risk profiles and scenarios.

• The best discount rate is $578
• Choosing higher $1,000 deductibles can save around $870 annually
• The average rate for a 40-year-old good driver with $500 deductibles is $942
• Using low $100 deductibles for comp and collision coverage will increase the cost to $1,076
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,026
• An auto insurance policy for full coverage for a 16-year-old driver may cost $3,866 each year

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Insurance prices for a Mazda 2 also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay upwards of $3,800 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Mazda 2 insurance prices. A good driver about age 40 could pay as low as $680 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,280 on average in Florida, Michigan, and New York.

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Using high physical damage deductibles can save as much as $210 annually, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,100 to $1,600 additional annually, depending on your age. A high-risk auto insurance policy ranges from 41% to 130% more than a normal policy. View High Risk Driver Rates

How to Find the Best Mazda 2 Insurance

Finding better rates on insurance for a Mazda 2 takes being a safe and courteous driver, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Invest time comparing rates at every policy renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.

Below is a brief recap of the data covered in the charts and tables above.

• Insureds who require higher levels of liability will pay an extra $520 every year to raise limits from 30/60 bodily injury limits to 250/500 limits
• You may be able to save as much as $100 per year just by quoting early and online
• Increasing policy deductibles can save around $200 each year
• Teenage drivers pay higher prices, possibly costing $322 per month including comprehensive and collision insurance