Mazda 2 Insurance Rates

The average insurance rates for a Mazda 2 are $918 a year with full coverage. Comprehensive insurance costs approximately $132 a year, collision insurance costs $154, and liability is $474. Liability-only insurance costs around $522 a year, and high-risk driver insurance costs $1,974 or more. Teenage drivers cost the most to insure at up to $3,792 a year.

Average premium for full coverage: $918

Policy rates by type of insurance:

Includes $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and 2 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations are shown to have lower incidents of collision claims than densely populated cities. The diagram below illustrates how location helps determine auto insurance prices.

The examples above demonstrate why it is important to compare rates quotes using their specific location, instead of using average rates.

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

Rate Comparisons

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

• The best discount rate is $565
• Raising to $1,000 deductibles will save $852 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $918
• Using low $100 deductibles will cost an additional $124 every year
• At-risk drivers who are prone to accidents and violations could pay around $1,974
• Policy cost that insures a teen driver can cost $3,792

View Chart as Image

Auto insurance rates for a Mazda 2 also range considerably based on the trim level of your 2, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,100 to $1,600 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 133% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $3,700 a year. View Rates by Age

Your home state also has a big influence on Mazda 2 insurance prices. A middle-age driver might find rates as low as $660 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,240 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $190 every year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Mazda 2 Insurance

Finding cheaper rates on car insurance consists of being a good driver, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Compare prices every couple of years by obtaining price quotes from direct companies, and also from local insurance agencies.

The following list is a recap of the material that was covered in the charts and tables above.

• Policyholders who purchase an increased level of liability coverage will pay an extra $520 every year to raise from a 30/60 limit to the 250/500 level
• Drivers age 16 to 20 have the highest car insurance rates, as much as $316 each month if the policy includes full coverage
• Higher risk drivers that have major violations or accidents may have to pay on average $1,060 more per year than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $200 each year