Mazda 2 Insurance Rates

Average insurance rates for a Mazda 2 are $942 a year including full coverage. Comprehensive costs around $140, collision insurance costs $170, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, and high-risk insurance costs around $2,026. Teenage drivers receive the highest rates at up to $3,866 a year.

Average premium for full coverage: $942

Rate estimates for individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than densely populated cities. The example below illustrates how your location can change auto insurance rates.

These examples highlight why everyone should get quotes for a specific zip code, instead of using average rates.

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

Rate Comparisons

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

• The best discount rate is $578
• Choosing higher $1,000 deductibles can save about $72 every year
• The estimated price for a 40-year-old driver using $500 deductibles is $942
• Using pricier low deductibles for comp and collision coverage bumps up the cost to $1,076
• Unlucky drivers who are prone to accidents and violations could pay at least $2,026
• The cost that insures a teen driver for full coverage can be $3,866 each year

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Insurance rates for a Mazda 2 can also vary considerably based on the model of your 2, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $1,100 to $1,600 extra per year, depending on your age. Mazda 2 insurance for high-risk drivers ranges as much as 41% to 130% more than a normal policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $900 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay as much as $3,800 a year. View Rates by Age

Where you live plays a big part in determining prices for Mazda 2 insurance prices. A good driver about age 40 could pay as low as $720 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,350 on average in Michigan, New York, and Louisiana.

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Using high physical damage deductibles can save as much as $210 every year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Mazda 2 Insurance

Saving money on car insurance takes avoiding accidents and violations, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Compare prices every year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The list below is a quick review of the coverage data illustrated above.

• You may be able to save up to $100 per year just by quoting online well ahead of the renewal date
• Increasing deductibles can save approximately $200 each year
• Teenagers pay higher rates, as much as $322 per month if full coverage is included
• Higher risk drivers with a DUI or reckless driving violation may have to pay on average $1,080 more every year for car insurance