Mazda 2 Insurance Rates

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

Average premium for full coverage: $942

Rate estimates by individual coverage type:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different 2 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas. The price range example below illustrates the difference location can make on auto insurance prices.

These examples highlight why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, rather than relying on price averages.

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

Additional Charts and Tables

The chart below breaks down average Mazda 2 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $578
• Raising to $1,000 deductibles will save $72 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $942
• Choosing more expensive low deductibles will cost an extra $134 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,026
• The cost for full coverage for a teen driver with full coverage can cost $3,866

View Chart as Image

Car insurance rates for a Mazda 2 can also vary considerably based on your driver profile, the model of your 2, and physical damage deductibles and liability limits.

An older driver with no driving violations and high deductibles could pay as little as $900 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged in the ballpark of $3,800 a year. View Rates by Age

Where you live also has a big influence on Mazda 2 insurance rates. A middle-age driver might find rates as low as $720 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,350 on average in Louisiana, New York, and Michigan.

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Choosing high deductibles can reduce rates by up to $210 each year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,100 to $1,600 extra per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 41% to 130% more than average. View High Risk Driver Rates

How to Find Affordable Mazda 2 Insurance

Saving money on Mazda 2 insurance consists of avoiding accidents and violations, having above-average credit, not filing small claims, and attention to physical damage deductibles. Make time to compare rates every year by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The list below is a brief review of the coverage data touched on in this article.

• You may be able to save around $100 per year just by shopping early and online
• Increasing deductibles can save around $200 each year
• Teenagers pay the highest auto insurance rates, as much as $322 per month if full coverage is included
• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,080 more per year for car insurance