Mazda 2 Insurance Rates

U.S. average auto insurance rates for a Mazda 2 are $918 annually for full coverage. Comprehensive insurance costs on average $132, collision insurance costs $154, and liability insurance costs around $474. Liability-only insurance costs as low as $522 a year, and high-risk driver insurance costs $1,974 or more. Teen drivers pay the highest rates at up to $3,792 a year.

Average premium for full coverage: $918

Price estimates by individual coverage:

Estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for all 2 models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural areas have fewer accident claims than larger metro areas. The example below illustrates how where you live affects car insurance rates.

The ranges above show why everyone should compare prices based on a specific location and their own personal driving habits, rather than relying on price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $565
• Using higher $1,000 deductibles will save around $66 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $918
• Choosing pricier low deductibles for physical damage coverage costs an additional $124 a year
• Drivers with multiple violations and an at-fault accident could pay upwards of $1,974
• The price with full coverage for a teen driver for full coverage may cost $3,792 or more

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Car insurance prices for a Mazda 2 are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $900 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged upwards of $3,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,100 to $1,600 extra each year, depending on your age. Mazda 2 insurance for high-risk drivers can be anywhere from 42% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $190 each year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Mazda 2 insurance rates. A driver around age 40 might see prices as low as $610 a year in states like Idaho, Maine, and Iowa, or as much as $1,310 on average in Michigan, Louisiana, and New York.

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How to Buy Low Cost Mazda 2 Insurance

Getting lower rates on Mazda 2 insurance requires being a good driver, having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop at every policy renewal by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following list is a review of the data touched on in the above illustrations.

• Drivers who require an increased level of liability coverage will pay about $520 each year to increase from a low limit to higher 250/500 limits
• Drivers can save as much as $100 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $200 each year
• Drivers age 16 to 20 are expensive to insure, with premiums as much as $316 a month if comprehensive and collision insurance is included