Mazda 2 Insurance Rates

The average insurance rates for a Mazda 2 are $918 a year with full coverage. Comprehensive costs approximately $132 a year, collision insurance costs $154, and liability is estimated at $474. Liability-only coverage costs approximately $522 a year, and high-risk coverage 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 coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and 2 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion. The diagram below illustrates how your location can change auto insurance prices.

The examples above demonstrate why it is important to get quotes using their specific location and risk profile, instead of making a decision based on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $565
• Choosing higher $1,000 deductibles can save $852 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $918
• Selecting low $100 deductibles for comp and collision coverage will increase the cost to $1,042
• Higher-risk drivers with serious driving violations could pay around $1,974
• Policy cost for full coverage for a 16-year-old driver can cost $3,792 each year

View Chart as Image

Insurance rates for a Mazda 2 also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $3,700 a year. View Rates by Age

Your home state plays a big part in determining prices for Mazda 2 insurance prices. A good driver about age 40 could pay as low as $660 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,240 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $190 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,100 to $1,600 additional every year, depending on your age. A high-risk auto insurance policy ranges from 42% to 133% more than the average policy. View High Risk Driver Rates

How to Find Cheaper Mazda 2 Insurance

Finding cheaper rates on insurance for a Mazda 2 takes avoiding accidents and claims, having a good credit history, not filing small claims, and consideration of higher deductibles. Invest the time to shop around every year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a condensed summary of the coverage data illustrated above.

• You may be able to save around $100 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $200 each year
• Drivers under the age of 20 are the costliest to insure, as much as $316 each month including comprehensive and collision insurance
• Drivers considered higher risk with multiple at-fault accidents pay on average $1,060 more per year to insure a Mazda 2