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 auto insurance rates for a Mazda 2 are $918 annually for full coverage insurance. Comprehensive insurance costs around $132 each year, collision costs $154, and liability insurance costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance costing $1,974 or more. Teens cost the most to insure at $3,792 a year or more.
Average premium for full coverage: $918
Policy rates for type of insurance:
Estimates include $500 deductible amounts, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and 2 models.
Price Range Variability
Using a middle-aged driver as an example, Mazda 2 insurance rates go from as cheap as $522 for just liability coverage to a high rate of $1,974 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than cities with more traffic congestion.
The graphic below illustrates how where you live affects auto insurance rates.
The examples above illustrate why all drivers should compare prices for a specific zip code and their own personal driving habits, rather than relying on averaged prices.
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.
Detailed Rate Analysis
The chart below illustrates estimated Mazda 2 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $565
- Using higher $1,000 deductibles will save about $66 each year
- The estimated rate for a good driver age 40 using $500 deductibles is $918
- Selecting low deductibles for physical damage coverage costs an additional $124 a year
- Drivers with serious driving violations could pay at least $1,974 or more
- Policy cost with full coverage for a teen driver can be $3,792 or more
Car insurance rates for a Mazda 2 also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.
More mature drivers with no driving violations and high physical damage deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $3,700 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,100 to $1,600 extra every year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $190 each year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Mazda 2 insurance rates. A driver around age 40 might see rates as low as $600 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,240 on average in Michigan, New York, and Florida.
| 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% |
Because rates have so much variability, the only way to figure out your exact price is to do a rate comparison from as many companies as possible. Each insurance company calculates rates differently, so rate quotes will be varied between companies.
| 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 Buy Low Cost Mazda 2 Insurance
Finding cheaper rates on Mazda 2 insurance requires having a good driving record, having a good credit score, being claim-free, and qualifying for all possible discounts. Take the time to comparison shop at every policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a review of the data touched on in the above illustrations.
- Drivers who may need increased levels of liability coverage will pay approximately $520 annually to increase from a 30/60 limit to higher 250/500 limits
- It is possible to save up to $100 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $200 each year
- Drivers age 20 and younger are the costliest to insure, possibly costing $316 each month if comprehensive and collision insurance is included
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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