Mazda 2 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 20, 2024
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The average insurance rates for a Mazda 2 are $918 a year including full coverage. Comprehensive insurance costs approximately $132, collision insurance costs $154, and liability costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs $1,974 or more. Teenage drivers cost the most to insure at up to $3,792 a year.
Average premium for full coverage: $918
Policy rates by type of insurance:
Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all 2 models.
Price Range Variability
For the normal driver, Mazda 2 insurance rates range from as low as $522 for liability-only coverage to the much higher price of $1,974 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live can make a big difference on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The example below illustrates how geographic area affects auto insurance prices.
The examples above highlight why everyone should compare prices using their specific location and risk profile, instead of making a decision based on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below breaks down average Mazda 2 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $565
- Using higher $1,000 deductibles will save $66 every year
- The average rate for a good driver age 40 who chooses $500 deductibles is $918
- Using pricier low deductibles for physical damage coverage will cost an extra $124 annually
- High-risk insureds who are prone to accidents and violations could pay around $1,974
- Policy cost for full coverage for a 16-year-old driver for full coverage can cost $3,792 or more
Insurance rates for a Mazda 2 also range considerably based on your risk profile, the model of your 2, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $3,700 a year. View Rates by Age
Your home state has a huge impact on Mazda 2 insurance prices. A driver around age 40 might see rates as low as $710 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,310 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $832 | -$86 | -9.4% |
| Alaska | $704 | -$214 | -23.3% |
| Arizona | $762 | -$156 | -17.0% |
| Arkansas | $918 | -$0 | 0.0% |
| California | $1,046 | $128 | 13.9% |
| Colorado | $878 | -$40 | -4.4% |
| Connecticut | $944 | $26 | 2.8% |
| Delaware | $1,040 | $122 | 13.3% |
| Florida | $1,152 | $234 | 25.5% |
| Georgia | $846 | -$72 | -7.8% |
| Hawaii | $662 | -$256 | -27.9% |
| Idaho | $620 | -$298 | -32.5% |
| Illinois | $684 | -$234 | -25.5% |
| Indiana | $690 | -$228 | -24.8% |
| Iowa | $620 | -$298 | -32.5% |
| Kansas | $874 | -$44 | -4.8% |
| Kentucky | $1,252 | $334 | 36.4% |
| Louisiana | $1,358 | $440 | 47.9% |
| Maine | $568 | -$350 | -38.1% |
| Maryland | $758 | -$160 | -17.4% |
| Massachusetts | $736 | -$182 | -19.8% |
| Michigan | $1,596 | $678 | 73.9% |
| Minnesota | $768 | -$150 | -16.3% |
| Mississippi | $1,100 | $182 | 19.8% |
| Missouri | $816 | -$102 | -11.1% |
| Montana | $986 | $68 | 7.4% |
| Nebraska | $724 | -$194 | -21.1% |
| Nevada | $1,102 | $184 | 20.0% |
| New Hampshire | $662 | -$256 | -27.9% |
| New Jersey | $1,026 | $108 | 11.8% |
| New Mexico | $814 | -$104 | -11.3% |
| New York | $968 | $50 | 5.4% |
| North Carolina | $528 | -$390 | -42.5% |
| North Dakota | $752 | -$166 | -18.1% |
| Ohio | $634 | -$284 | -30.9% |
| Oklahoma | $944 | $26 | 2.8% |
| Oregon | $842 | -$76 | -8.3% |
| Pennsylvania | $878 | -$40 | -4.4% |
| Rhode Island | $1,224 | $306 | 33.3% |
| South Carolina | $832 | -$86 | -9.4% |
| South Dakota | $776 | -$142 | -15.5% |
| Tennessee | $806 | -$112 | -12.2% |
| Texas | $1,108 | $190 | 20.7% |
| Utah | $680 | -$238 | -25.9% |
| Vermont | $630 | -$288 | -31.4% |
| Virginia | $550 | -$368 | -40.1% |
| Washington | $712 | -$206 | -22.4% |
| West Virginia | $842 | -$76 | -8.3% |
| Wisconsin | $638 | -$280 | -30.5% |
| Wyoming | $820 | -$98 | -10.7% |
Using high physical damage deductibles could cut rates by as much as $190 annually, whereas buying more liability protection will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,100 to $1,600 additional every year, depending on your age. Mazda 2 insurance for high-risk drivers can be from 42% to 133% more than a normal policy. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2014 Mazda 2 | $156 | $206 | $474 | $994 |
| 2013 Mazda 2 | $150 | $186 | $478 | $972 |
| 2012 Mazda 2 | $140 | $170 | $474 | $942 |
| 2011 Mazda 2 | $132 | $154 | $474 | $918 |
Rates are averaged for all Mazda 2 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Cheap Mazda 2 Insurance
Finding cheaper rates on insurance for a Mazda 2 requires being safe and accident-free, having a good credit history, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest the time to compare rates at least once a year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
Below you'll find a quick review of the primary concepts that were presented in the illustrations above.
- You may be able to save around $100 per year just by quoting online well ahead of the renewal date
- Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,060 more per year than a low-risk driver
- Increasing comprehensive and collision deductibles can save around $200 each year
- Youthful drivers are the costliest to insure, with premiums being up to $316 each month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,792 |
| 20 | $2,100 |
| 30 | $928 |
| 40 | $918 |
| 50 | $844 |
| 60 | $826 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,042 |
| $250 | $986 |
| $500 | $918 |
| $1,000 | $852 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $918 |
| 50/100 | $1,013 |
| 100/300 | $1,131 |
| 250/500 | $1,439 |
| 100 CSL | $1,060 |
| 300 CSL | $1,321 |
| 500 CSL | $1,511 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,320 |
| 20 | $3,348 |
| 30 | $1,982 |
| 40 | $1,974 |
| 50 | $1,890 |
| 60 | $1,870 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $46 |
| Multi-vehicle | $50 |
| Homeowner | $17 |
| 5-yr Accident Free | $52 |
| 5-yr Claim Free | $57 |
| Paid in Full/EFT | $31 |
| Advance Quote | $39 |
| Online Quote | $61 |
| Total Discounts | $353 |
Discounts are estimated and may not be available from every company or in every state.
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