Mazda 2 Insurance Rates

The average insurance rates for a Mazda 2 are $972 a year for full coverage insurance. Comprehensive costs an estimated $150, collision costs $186, and liability coverage is estimated at $478. Buying just liability costs approximately $526 a year, with insurance for high-risk drivers costing around $2,092. Teen drivers cost the most to insure at $3,964 a year or more.

Average premium for full coverage: $972

Policy rates broken down by type of insurance:

Prices are based on $500 deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different 2 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

The examples above illustrate why anyone shopping for car insurance should get quotes for a targeted area and risk profile, rather than using price averages.

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

Additional Rate Details

The chart below illustrates estimated Mazda 2 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $593
• Choosing higher $1,000 deductibles can save approximately $76 each year
• The average rate for a good driver age 40 who has $500 deductibles is $972
• Choosing more expensive low deductibles for comp and collision coverage will increase the cost to $1,118
• Drivers with multiple violations and an at-fault accident could pay up to $2,092 or more
• Policy cost for full coverage for a teenage driver with full coverage can cost as much as $3,964 each year

View Chart as Image

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

An older driver with a clean driving record and high deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $3,900 a year. View Rates by Age

Your home state plays a big part in determining prices for Mazda 2 insurance rates. A good driver about age 40 could pay as low as $640 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,320 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $230 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $430 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,200 to $1,700 extra every year, depending on your age. High-risk driver insurance ranges around 43% to 137% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates and see how they stack up. Each auto insurer uses a different rate calculation, so the rates will be varied from one company to the next.

How to Find Affordable Mazda 2 Insurance

Finding cheaper rates on auto insurance takes not taking risks behind the wheel, maintaining good credit, being claim-free, and taking advantage of discounts. Set aside time to compare rates at least every other year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a brief review of the car insurance concepts covered above.

• Drivers with DUI or reckless driving convictions pay on average $1,120 more annually for 2 insurance
• It is possible to save approximately $110 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $225 each year
• Consumers who want higher liability limits will pay about $530 annually to raise limits from a 30/60 limit to 250/500 limits