Mazda 2 Insurance Rates

The average insurance rates for a Mazda 2 are $942 a year for full coverage. Comprehensive costs approximately $140, collision insurance costs $170, and liability is $474. Liability-only insurance costs around $522 a year, and high-risk driver insurance costs around $2,026. Teenage drivers cost the most to insure at up to $3,866 a year.

Average premium for full coverage: $942

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different 2 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations are shown to have lower incidents of accident claims than densely populated cities. The price range example below illustrates how your location can change auto insurance prices.

The examples above show why anyone shopping for car insurance should compare rates quotes using their specific location, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $578
• Raising to $1,000 deductibles will save $72 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $942
• Using more expensive low deductibles bumps up the cost to $1,076
• At-risk drivers who are prone to accidents and violations could pay around $2,026
• Policy cost that insures a teen driver with full coverage can cost $3,866

View Chart as Image

Auto insurance rates for a Mazda 2 also range considerably based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,100 to $1,600 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 41% to 130% more than a normal policy. View High Risk Driver Rates

An older driver 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 $3,800 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 $620 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,350 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $210 every year, while increasing your policy's liability limits will push rates upward. Going 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 Cheaper Mazda 2 Insurance

Finding cheaper rates on car insurance consists of being a good driver, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Compare prices every other policy renewal by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The following list is a condensed summary of the ideas that were illustrated above.

• Drivers age 16 to 20 have the highest car insurance rates, costing up to $322 each month if the policy includes full coverage
• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,080 more per year than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $200 each year
• Drivers can save around $100 per year just by shopping early and online