Mazda 2 Insurance Rates

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UPDATED: May 20, 2024

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Average insurance prices for a Mazda 2 are $942 every 12 months for full coverage. Comprehensive costs around $140 a year, collision costs $170, and liability insurance costs $474. A policy with just liability insurance costs as little as $522 a year, with coverage for high-risk drivers costing around $2,026. Teen drivers receive the highest rates at $3,866 a year or more.

Average premium for full coverage: $942

Rate estimates for individual coverage type:

Comprehensive $140
Collision $170
Liability $474

Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and 2 trim levels.

Price Range by Coverage and Risk

For the average driver, prices range go from the cheapest price of $522 for minimum levels of liability insurance to a high of $2,026 for high-risk insurance.

Liability Only $522
Full Coverage $942
High Risk $2,026

Price Range by Location

Your location has a significant impact on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than larger metro areas.

The diagram below illustrates how location impacts auto insurance rates.

Rural Areas $707
Small Cities $989
Large Cities $1,272

These examples show why it is important to compare rates for a specific zip code and their own driving history, rather than relying on price averages.

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 Rate Details

The chart below shows estimated Mazda 2 insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $578
  • Drivers who choose higher $1,000 deductibles will pay about $870 a year
  • The average price for a 40-year-old driver using $500 deductibles is $942
  • Choosing low $100 deductibles for comprehensive and collision insurance increases the price to $1,076
  • High risk drivers with multiple violations and an at-fault accident could pay at least $2,026 or more
  • The cost to insure a teen driver can be $3,866 a year

View Chart as Image

Mazda 2 insurance cost comparison chart
Column chart showing full coverage Mazda 2 insurance rates range from $578 to $3,866

Insurance rates for a Mazda 2 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.

Choosing high deductibles could save up to $210 each year, while buying higher liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles could pay as little as $900 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay as much as $3,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at least $1,100 to $1,600 additional per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 41% to 130% more than average. View High Risk Driver Rates

Where you live makes a big difference in Mazda 2 insurance rates. A 40-year-old driver could pay as low as $620 a year in states like Idaho, Maine, and Iowa, or as much as $1,350 on average in Michigan, Louisiana, and New York.

Mazda 2 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $854 -$88 -9.3%
Alaska $722 -$220 -23.4%
Arizona $782 -$160 -17.0%
Arkansas $942 -$0 0.0%
California $1,074 $132 14.0%
Colorado $900 -$42 -4.5%
Connecticut $970 $28 3.0%
Delaware $1,068 $126 13.4%
Florida $1,180 $238 25.3%
Georgia $870 -$72 -7.6%
Hawaii $676 -$266 -28.2%
Idaho $638 -$304 -32.3%
Illinois $700 -$242 -25.7%
Indiana $708 -$234 -24.8%
Iowa $636 -$306 -32.5%
Kansas $898 -$44 -4.7%
Kentucky $1,286 $344 36.5%
Louisiana $1,394 $452 48.0%
Maine $582 -$360 -38.2%
Maryland $776 -$166 -17.6%
Massachusetts $754 -$188 -20.0%
Michigan $1,638 $696 73.9%
Minnesota $788 -$154 -16.3%
Mississippi $1,128 $186 19.7%
Missouri $836 -$106 -11.3%
Montana $1,014 $72 7.6%
Nebraska $742 -$200 -21.2%
Nevada $1,130 $188 20.0%
New Hampshire $678 -$264 -28.0%
New Jersey $1,054 $112 11.9%
New Mexico $834 -$108 -11.5%
New York $994 $52 5.5%
North Carolina $542 -$400 -42.5%
North Dakota $774 -$168 -17.8%
Ohio $652 -$290 -30.8%
Oklahoma $968 $26 2.8%
Oregon $862 -$80 -8.5%
Pennsylvania $900 -$42 -4.5%
Rhode Island $1,258 $316 33.5%
South Carolina $854 -$88 -9.3%
South Dakota $796 -$146 -15.5%
Tennessee $828 -$114 -12.1%
Texas $1,138 $196 20.8%
Utah $698 -$244 -25.9%
Vermont $646 -$296 -31.4%
Virginia $564 -$378 -40.1%
Washington $730 -$212 -22.5%
West Virginia $862 -$80 -8.5%
Wisconsin $654 -$288 -30.6%
Wyoming $842 -$100 -10.6%

View Chart as Image

Mazda 2 insurance rates by U.S. city

With so much variability in rates, the only way to know your exact price is to get quotes from as many companies as possible. Every company uses a different rate calculation, and rates can be significantly different.

Mazda 2 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2014 Mazda 2 $168 $220 $474 $1,020
2013 Mazda 2 $156 $206 $474 $994
2012 Mazda 2 $150 $186 $478 $972
2011 Mazda 2 $140 $170 $474 $942

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 Shop for Affordable Mazda 2 Insurance

Saving money on Mazda 2 insurance not only requires being a low-risk driver, but also having above-average credit, eliminating unneeded coverage, and taking advantage of discounts. Spend time shopping around every couple of years by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a brief review of the material that was touched on above.

  • Drivers who may need more liability coverage will pay about $520 each year to go from a minimum limit to a 250/500 level
  • Teen drivers are charged the highest rates, costing as high as $322 per month if full coverage is included
  • High-risk drivers with DUI or reckless driving convictions may pay on average $1,080 more every year to insure their 2
  • Increasing deductibles could save as much as $200 each year

Rates by Driver Age

Mazda 2 Insurance Rates by Driver Age
Driver Age Premium
16 $3,866
20 $2,154
30 $954
40 $942
50 $866
60 $848

Full coverage, $500 deductibles

Rates by Deductible

Mazda 2 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,076
$250 $1,016
$500 $942
$1,000 $870

Full coverage, driver age 40

Rates by Liability Limit

Mazda 2 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $942
50/100 $1,037
100/300 $1,155
250/500 $1,463
100 CSL $1,084
300 CSL $1,345
500 CSL $1,535

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda 2 Insurance Rates for High Risk Drivers
Age Premium
16 $5,430
20 $3,436
30 $2,038
40 $2,026
50 $1,940
60 $1,918

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.

SR-22 Surcharge $125

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $47
Multi-vehicle $51
Homeowner $17
5-yr Accident Free $55
5-yr Claim Free $59
Paid in Full/EFT $32
Advance Quote $40
Online Quote $63
Total Discounts $364
Rate after discounts $578

Discounts are estimated and may not be available from every company or in every state.

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