Mazda 2 Insurance Rates

Average auto insurance rates for a Mazda 2 are $942 annually including full coverage. Comprehensive insurance costs on average $140, collision insurance costs $170, and liability costs around $474. A liability-only policy costs as low as $522 a year, and high-risk insurance costs $2,026 or more. Teens receive the highest rates at up to $3,866 a year.

Average premium for full coverage: $942

Rate estimates by individual coverage type:

These estimates include $500 deductible amounts, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all 2 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how where you live affects car insurance rates.

These examples highlight why everyone should compare prices based on a specific location and their own personal driving habits, instead of using averaged prices.

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

Detailed Rate Analysis

The chart below breaks down average Mazda 2 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $578
• Using higher $1,000 deductibles will save around $72 every year
• The estimated rate for a 40-year-old driver with $500 deductibles is $942
• Selecting pricier low deductibles for physical damage coverage costs an additional $134 every year
• Drivers with serious driving violations could pay upwards of $2,026
• The cost with full coverage for a teen driver for full coverage may cost $3,866 or more

View Chart as Image

Insurance rates for a Mazda 2 can also vary considerably based on the trim level of your 2, your driving characteristics, and policy deductibles and limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $900 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay upwards of $3,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,100 to $1,600 extra per year, depending on your age. Mazda 2 insurance for high-risk drivers can be as much as 41% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $210 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Mazda 2 insurance prices. A driver around age 40 might see rates as low as $720 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,350 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Buy Cheap Mazda 2 Insurance

Saving money on car insurance requires having a good driving record, having a good credit history, not filing small claims, and determing if full coverage is necessary. Take the time to comparison shop every year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The next list is a brief summary of the coverage data touched on in the above illustrations.

• You may be able to save as much as $100 per year just by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $200 each year
• Drivers age 20 and younger pay the highest rates, as much as $322 per month including comprehensive and collision insurance
• Higher risk drivers that tend to have accidents or serious violations pay on average $1,080 more each year to buy Mazda 2 insurance