Mazda 2 Insurance Rates

The average insurance prices for a Mazda 2 are $918 every 12 months for full coverage. Comprehensive costs on average $132 each year, collision insurance costs $154, and liability coverage is $474. A liability-only policy costs around $522 a year, and high-risk insurance costs around $1,974. Teens cost the most to insure at up to $3,792 a year.

Average premium for full coverage: $918

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and 2 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have more infrequent accident claims than cities with more traffic congestion. The graphic below illustrates how location impacts car insurance rates.

The examples above show why all drivers should compare rates quotes based on a specific location and their own driving history, rather than using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $565
• Raising to $1,000 deductibles will save around $66 a year
• The average price for a good driver age 40 with $500 deductibles is $918
• Selecting low deductibles increases the price to $1,042
• Unlucky drivers with serious driving violations could pay upwards of $1,974
• Policy cost to insure a teenage driver may cost $3,792

View Chart as Image

Car insurance rates for a Mazda 2 also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your 2.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $190 a year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may only pay around $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards of $3,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,100 to $1,600 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 133% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Mazda 2 insurance rates. A middle-age driver might find rates as low as $610 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,310 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for Cheaper Mazda 2 Insurance

Finding cheaper rates on auto insurance consists of being a good driver, maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Spend time shopping around at every policy renewal by getting quotes from direct carriers, and also from local independent and exclusive agents.

The following list is a condensed summary of the data touched on above.

• Consumers who require an increased level of liability coverage will pay approximately $520 each year to raise from a 30/60 limit to a 250/500 level
• Drivers can save as much as $100 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $200 each year
• Drivers age 16 to 20 are expensive to insure, costing up to $316 each month if the policy includes full coverage