Mazda 2 Insurance Rates

Average auto insurance rates for a Mazda 2 are $918 annually including full coverage. Comprehensive insurance costs around $132 each year, collision insurance costs $154, and liability costs around $474. A liability-only policy costs as low as $522 a year, and high-risk insurance costs $1,974 or more. Teen drivers receive the highest rates at up to $3,792 a year.

Average premium for full coverage: $918

Rate estimates for individual coverage type:

Prices are based on $500 deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and 2 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than larger metro areas. The graphic below illustrates how rural and urban location affects auto insurance rates.

These examples highlight why all drivers should compare prices for a specific zip code and their own personal driving habits, instead of using price averages.

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

Rates by State, City, and Model

The chart below breaks down average Mazda 2 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $565
• Using higher $1,000 deductibles will save about $66 every year
• The estimated rate for a 40-year-old driver using $500 deductibles is $918
• Choosing low deductibles for physical damage coverage costs an additional $124 every year
• Drivers with multiple violations and an at-fault accident could pay at least $1,974
• The cost with full coverage for a teen driver can be $3,792 or more

View Chart as Image

Insurance rates for a Mazda 2 can also vary considerably based on the trim level of your 2, your driving characteristics, and deductibles and policy limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $900 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay as much as $3,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $1,100 to $1,600 extra per year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $190 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Mazda 2 insurance prices. A driver around age 40 might see rates as low as $710 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,310 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Buy Affordable Mazda 2 Insurance

Saving money on car insurance requires not taking risks behind the wheel, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Set aside time to shop around every time your policy renews by quoting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following is a brief review of the information raised in the charts and tables above.

• You may be able to save up to $100 per year just by quoting online in advance
• Teens pay higher rates, as much as $316 per month including comprehensive and collision insurance
• Increasing deductibles could save up to $200 each year
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,060 more every year for 2 insurance
• Policyholders who may need higher liability limits will pay about $520 per year to increase from a minimum limit to higher 250/500 limits