Mazda 2 Insurance Rates

Estimated insurance prices for a Mazda 2 are $972 every 12 months with full coverage. Comprehensive costs an estimated $150 each year, collision insurance costs $186, and liability is estimated at $478. Liability-only insurance costs approximately $526 a year, and high-risk driver insurance costs around $2,092. Teen drivers pay the most at up to $3,964 a year.

Average premium for full coverage: $972

Premium estimates broken down by type of coverage:

These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and 2 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on insurance prices.

These rate differences demonstrate why all drivers should get quotes for a targeted area and their own driving history, instead of making a decision based on price averages.

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

Additional Rate Details

The chart below details average Mazda 2 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $593
• Choosing higher $1,000 deductibles can save approximately $76 annually
• The average price for a 40-year-old good driver who has $500 deductibles is $972
• Choosing low deductibles for comp and collision coverage increases the price to $1,118
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,092
• An auto insurance policy to insure a 16-year-old driver can cost as much as $3,964 each year

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Insurance prices for a Mazda 2 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.

Choosing high deductibles can save as much as $230 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $430 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay at least $3,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,200 to $1,700 additional annually, depending on your age. Insurance for high-risk drivers ranges from 43% to 137% more than average. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Mazda 2 insurance prices. A good driver about age 40 could pay as low as $700 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,320 on average in New York, Michigan, and Florida.

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How to Shop for Cheap Mazda 2 Insurance

Finding better rates on insurance for a Mazda 2 takes avoiding accidents and violations, having above-average credit, being claim-free, and possibly raising deductibles. Set aside time to compare rates every couple of years by getting quotes from direct companies, and also from your local independent and exclusive agents.

The list below is a brief summary of the material that was covered above.

• Insureds who want higher liability limits will pay about $530 every year to raise limits from 30/60 bodily injury limits to a 250/500 level
• Teenagers are expensive to insure, possibly costing $330 per month if full coverage is included
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,120 more annually for car insurance
• Increasing policy deductibles could save as much as $225 each year