Mazda Tribute Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Mazda Tribute costs less than most other SUVs to insure.
• Full coverage for a Tribute normally tends to be around $128 a month, while liability only auto insurance rates tend to be about $79.
• The most affordable car insurance carrier for a Tribute is Aspire, who offers prices as low as $35 monthly.

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Tribute Overview

The Mazda Tribute is a great budget-friendly SUV for drivers of all types, with 2011 models starting at $20,555. There are two different trim levels currently offered, so you'll drive off the dealership lot in style.

We analyzed thousands of auto insurance quotes on Compare.com, and we've found that Mazda Tribute insurance premiums average out to around $102 per month. But how does that compare to other SUVs on the market?

How Much is Car Insurance for a Mazda Tribute?

If you look at the table above, you'll find that Mazda Tribute insurance rates are more affordable than average. Tribute drivers can expect to pay about $128 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $79 a month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference between these types of insurance).

Compared to other models, the Tribute is cheaper, with prices more than 10% lower than Mazda's other vehicle offerings. Compared to SUV offerings from other brands, auto insurance for a Tribute is also more affordable, with full coverage insurance premiums coming in around 15% less and 1% less for liability only insurance.

When compared to all vehicles, regardless of make, body style, or model, the Tribute follows a similar pattern of having below average car insurance prices.

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Who has the Cheapest Car Insurance for a Mazda Tribute?

Are you searching for an auto insurance policy for your Mazda Tribute? You may be most interested in which company offers the cheapest premiums. Even though there will never be one carrier that offers the lowest rates for everyone, the lowest average rates for liability only insurance are sometimes just $32 a month from Foremost. The runner up for cheapest rates is Oasis, with insurance policies starting as cheap as $33 per month.

Workmens, Aspire, and TwentyFirstCentury round out the end of the top 5 list. However, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Mazda Tribute.

After all, auto insurance carriers look at a whole range of different variables when calculating premiums, so your results might be different. By pulling quotes from many insurance companies at once, you can guarantee you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Mazda Tribute?

There are numerous factors that car insurance carriers consider to calculate how much they charge for insurance -- and every company uses a different formula, so there's not one carrier that's the most affordable for each driver.

The following sections show a whole range of factors car insurance companies use to calculate rates:

Vehicle Age

The Mazda Tribute has been around for a while -- that means vehicle age can play a role in what you end up paying for auto insurance. Normally, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and Tributes continue to depreciate, insurance costs will gradually go lower.

A new Mazda Tribute model hasn't been added to the market for over 5 years, so the Tribute won't really fit this trend. However, as you can see in the table above, the most expensive Mazda Tributes to insure are those that are 15 years old or more, while the cheapest models are Tributes that are 2 to 3 years old, on average.

Your Age

Age plays a significant role in how much you pay for car insurance. Based on the information in the table above, those with more experience pay less than teenage Tribute drivers. Mazda Tribute drivers under 18 actually pay $41 more than those 25 or older.

Auto insurance prices continue to decrease as you get older, with drivers aged 65 years and older making up the cheapest age group for the Tribute.

Your Gender

Because women are less likely to get into collisions and get speeding tickets, they have a lower chance of filing a claim with insurance. So, insurance carriers will often charge women less than men. Surprisingly, when it comes to Tribute drivers specifically, women pay about the same rates a month as men for auto insurance.

Where You Live

You may think it's obvious that things such as what vehicle you drive and how old you are play a role in your insurance rates, but you may not realize that where you live can have just as much as an impact. Because car insurance is regulated on the state level and not nationally, premiums fluctuate quite a bit from state to state.

For example, the average Mazda Tribute owner from New York pays around $139 monthly for liability coverage, while on average, the same Californian driver will pay less than 50% of that price. The table referenced above shows average rates for the top 10 most populous states, just to give you a good idea of how much prices can change depending on where you live.

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Mazda Tribute Car Insurance Discounts

Regardless of where you live, how old you are, or what car you drive, it's always in your best interest to take advantage of as many auto insurance discounts as possible when shopping around for a policy.

Even though all insurance companies offer their own unique discounts, there are a few that you'll find with most insurers. These include discounts like:

• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like air bags or anti-lock brakes)
• Defensive driving discounts for drivers who take a defensive driving class through a certified school or institution
• Multi-policy discounts for bundling your home and auto policies with the same insurance company
• Pay-in-full discounts for drivers who choose to pay their entire policy price up front, rather than in monthly installments

These are just a few of the discounts car insurance carriers offer, and sometimes the best way to save is just by having a profile that looks good to insurance companies.

Although you can't control every single aspect of your auto insurance profile (like some of the attributes we mentioned above), there is quite a bit that you do have control over. Below are just a few of the ones you can use to your advantage when it comes to saving some cash:

Your Driving Record

You've probably observed ads from car insurance carriers posting hefty discounts for responsible drivers. And you probably wouldn't be surprised that your auto insurance premiums will go higher if you get tickets or get into a collision. But you still might be left wondering exactly how much these infractions will cost you.

If you look at the table above, you'll see that accidents will usually cost Tribute drivers more than tickets, but both will result in above average rates. Mazda Tribute drivers with one accident on their record pay about $98 each month (up $19 from the $79/mo. overall average), while drivers with a single ticket will pay an average of $90 per month. The rates only increase the more collisions you have or tickets you get.

How Much You Drive

Another variable that plays a big role in your insurance prices is how much you drive. Drivers who are on the roads less have fewer opportunities to get into an accident, so they'll typically end up paying less for car insurance. Based on the table above, you can see that Mazda Tribute owners who drive 10,000 miles or more pay $79 for insurance, while those who drive fewer than 2,500 miles per year pay an average of $74 monthly.

But if you drive a limited amount, you might consider choosing a usage-based or pay-per-mile auto insurance policy. With these policies, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Mazda Tributes Compare to Other Vehicles?

If you're considering purchasing a new vehicle and a Mazda Tribute is on your shortlist, it might be helpful to do your research. Insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth thinking about carefully.

Take a look at the table below to see how the Mazda Tribute stacks up:

With an MSRP that's a third less than the going rate for a new vehicle, the Mazda Tribute is a fantastic value for any budget. The Tribute goes for $20,555, which is quite a bit lower than the national average vehicle price of $35,020. And since there hasn't been a new Tribute model on the market in the last few years, used prices will be even more affordable.

Likewise, insurance rates run below average when compared to other vehicles on the market. Full coverage insurance for a Mazda Tribute is about $51 a month cheaper than average, while liability only coverage is $15 cheaper a month.

When it comes to usage, Mazda Tribute owners drive fewer miles annually than the national average, with 10,615 miles a year compared to 11,617 for all vehicles.

Mazda Tribute Car Insurance Costs by Model Year

We've walked through many of the factors that can affect how much you might pay for auto insurance. If you're considering buying a new Tribute, having a good idea of exactly what you'll pay can be extremely helpful as you weigh your options and compare it to other vehicles on your shortlist.

Choose Your Model

2011 Mazda Tribute Car Insurance 2010 Mazda Tribute Car Insurance 2009 Mazda Tribute Car Insurance 2008 Mazda Tribute Car Insurance 2006 Mazda Tribute Car Insurance 2005 Mazda Tribute Car Insurance 2004 Mazda Tribute Car Insurance 2003 Mazda Tribute Car Insurance 2002 Mazda Tribute Car Insurance 2001 Mazda Tribute Car Insurance

2011 Mazda Tribute Car Insurance

The average cost to insure a 2011 Tribute with liability only coverage is $66 monthly, while full coverage runs around $118 a month.

Liberty Mutual offered the most affordable policy we found, with rates as cheap as just $22 per month.

Want something more accurate than national averages? Just enter your ZIP code below to get multiple free personalized quotes.

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2010 Mazda Tribute Car Insurance

You can expect full coverage for a 2010 Mazda Tribute to run about $133 a month, while liability only coverage will average around $62 monthly.

We found AnswerFinancial offered the cheapest policy, with rates as low as just $28 per month.

If you're looking for a more exact figure on what you should pay for auto insurance for a 2010 Mazda Tribute, you can get free quotes in minutes by just entering your ZIP code below.

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2009 Mazda Tribute Car Insurance

On average, drivers who own a 2009 Tribute can expect to pay $65 to $117 monthly for liability only and full coverage insurance, respectively.

Arrowhead has rates as little as $19 per month for the 2009 Mazda Tribute.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2008 Mazda Tribute Car Insurance

It costs about $89 a month for liability or $131 for a full coverage policy for the 2008 Mazda Tribute.

With premiums sometimes as low as $23 per month, Elephant offered the lowest policy we found.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

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2006 Mazda Tribute Car Insurance

2006 Tribute drivers can expect to pay an average of $77 a month for liability or $122 for full coverage.

Looking for the cheapest policy? Mercury offered liability only coverage for sometimes as little as $19 monthly.

Want to figure out exactly what you'll be asked to pay? Just enter your ZIP code below to get lots of customized quotes for free.

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2005 Mazda Tribute Car Insurance

You can expect full coverage for a 2005 Mazda Tribute to run around $121 a month, while liability only coverage will average about $81 per month.

With rates sometimes as cheap as $19 monthly, Commonwealth Casualty offered the lowest policy we found for the 2005 Mazda Tribute.

While these are good estimates of what the average driver might pay to insure a 2005 Mazda Tribute, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2004 Mazda Tribute Car Insurance

2004 Tribute drivers can expect to pay an average of $77 a month for liability or $125 for full coverage.

If you're looking for the cheapest possible 2004 Mazda Tribute insurance policy, Jupiter offered the most affordable policy we found, with rates as little as just $24 monthly.

If you want to find the best premiums for car insurance for a 2004 Mazda Tribute, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2003 Mazda Tribute Car Insurance

It costs around $84 per month for liability or $141 for a full coverage policy for the 2003 Mazda Tribute.

We found MetroMile offered the lowest policy, with rates as cheap as $17 monthly.

If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.

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2002 Mazda Tribute Car Insurance

On average, drivers who own a 2002 Tribute can expect to pay $77 to $134 per month for liability only and full coverage insurance, respectively.

Workmens offered the cheapest policy we found, with rates sometimes as low as $21 a month.

Interested in what your car insurance rate could look like? Get several personalized quotes for free by just entering your ZIP code below.

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2001 Mazda Tribute Car Insurance

The average cost to insure a 2001 Mazda Tribute with liability only coverage is $75 per month, while full coverage runs about $126 a month.

If you're looking for the lowest possible 2001 Mazda Tribute insurance policy, Sun Coast offered the most affordable policy we found, with rates as low as $19 monthly.

If you want to know exactly how much you can expect to pay for your Tribute, just enter your ZIP code below and get several free quotes in minutes.

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Mazda Tribute Insurance FAQs

Is a Mazda Tribute expensive to insure?

Liability insurance runs an average of $79 per month, while full coverage will cost you around $128. It costs less to insure a Mazda Tribute when compared to the average vehicle.

How can I get the best price on car insurance for my Mazda Tribute?

There's only one way to guarantee you're getting the lowest rates -- regularly shopping around and getting quotes. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a bunch of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Mazda Tribute affect my insurance premiums?

You might have heard the old adage that red cars cost more to insure, but that's simply not true. There are quite a few things auto insurance carriers examine when they calculate how much your policy will be, but the color of your vehicle is not factored into that decision.

Do I need to have insurance before I buy a Mazda Tribute?

You'll need to have a valid car insurance policy before you can legally drive your new (or new to you) car off the dealership lot. Some dealerships may offer you a car insurance policy as part of the car-buying process, but it's best to let your auto insurance carrier know beforehand.

What car insurance discounts can I get for my Mazda Tribute?

There are a variety of discounts out there for insurance. Many of them (like "pay-in-full discounts" and "safe driver discounts") are based less on your Mazda Tribute and more on you, but if your Tribute has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may be eligible for certain discounts. The only way to find out is to reach out to your insurance company and ask about their discounts.