Mazda 2 Insurance Rates

U.S. average insurance prices for a Mazda 2 are $972 every 12 months for full coverage. Comprehensive costs on average $150, collision insurance costs $186, and liability coverage is $478. Liability-only insurance costs around $526 a year, and high-risk driver insurance costs around $2,092. Teen drivers pay the highest rates at up to $3,964 a year.

Average premium for full coverage: $972

Price estimates by individual coverage:

Rate estimates include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for different 2 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas have more infrequent accident claims than larger metro areas. The price range example below illustrates how your location can change car insurance rates.

The ranges above show why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, rather than using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $593
• Raising to $1,000 deductibles will save around $76 a year
• The average price for the average middle-age driver with $500 deductibles is $972
• Choosing more expensive low deductibles increases the price to $1,118
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,092
• The price to insure a teenage driver with full coverage may cost $3,964

View Chart as Image

Car insurance prices for a Mazda 2 are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your 2.

Choosing high deductibles can reduce prices by up to $230 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $430 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may only pay around $900 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged upwards of $3,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,200 to $1,700 extra each year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 137% more than average. View High Risk Driver Rates

The state you live in also has a big influence on Mazda 2 insurance rates. A middle-age driver might find prices as low as $640 a year in states like Idaho, Maine, and Iowa, or as much as $1,390 on average in Michigan, Louisiana, and New York.

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How to Shop for the Best Mazda 2 Insurance

Getting lower rates on auto insurance consists of avoiding accidents and claims, maintaining a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Invest the time to shop around every couple of years by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The points below are a brief recap of the material that was illustrated above.

• Consumers who require increased liability limits will pay about $530 each year to raise from a low limit to a 250/500 level
• Drivers under the age of 20 are expensive to insure, with premiums as much as $330 a month if the policy includes full coverage
• Drivers who tend to receive serious violations pay an average of $1,120 more each year to insure a Mazda 2
• Increasing physical damage deductibles could save as much as $225 each year