Mazda 2 Insurance Rates

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UPDATED: May 20, 2024

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U.S. average insurance rates for a Mazda 2 are $918 a year for full coverage. Comprehensive costs an estimated $132, collision costs $154, and liability insurance costs around $474. Buying just liability costs as low as $522 a year, with insurance for high-risk drivers costing around $1,974. 16-year-old drivers pay the highest rates at $3,792 a year or more.

Average premium for full coverage: $918

Price estimates broken down by individual coverage:

Comprehensive $132
Collision $154
Liability $474

Prices are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for all 2 models.

Price Range from Low to High

For a driver around age 40, Mazda 2 insurance prices go from as low as $522 for your basic liability-only policy to the much higher price of $1,974 for a driver who requires high-risk insurance.

Liability Only $522
Full Coverage $918
High Risk $1,974

Geographic Price Range

Where you live has a significant impact on insurance rates. More rural locations have a lower frequency of accident claims than congested cities.

The example below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $689
Small Cities $964
Large Cities $1,239

The ranges above show why everyone should compare prices for a targeted area and risk profile, rather than relying on rate 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.

More Rate Information

The chart below shows estimated Mazda 2 insurance rates for other coverage scenarios.

  • The best full coverage rate is $565
  • Using higher $1,000 deductibles will save approximately $66 a year
  • The average rate for the average middle-age driver who has $500 deductibles is $918
  • Buying pricier low deductibles for physical damage coverage will increase the cost to $1,042
  • Drivers with multiple tickets or accidents could pay up to $1,974 or more
  • The price for full coverage for a teen driver for full coverage can cost as much as $3,792 or more

View Chart as Image

Mazda 2 insurance cost comparison chart
Column chart showing full coverage Mazda 2 insurance rates range from $565 to $3,792

Insurance prices for a Mazda 2 are also quite variable based on your driving record, the trim level of your 2, and liability limits and deductibles.

A more mature driver with no violations or accidents and high deductibles could pay as little as $900 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay at least $3,700 a year. View Rates by Age

The state you live in has a huge impact on Mazda 2 insurance rates. A driver around age 40 might see prices as low as $610 a year in states like Iowa, Maine, and Idaho, or at least $1,310 on average in New York, Louisiana, and Michigan.

Mazda 2 Insurance Rates by State
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%

View Chart as Image

Mazda 2 insurance rates by U.S. city

Opting for high physical damage deductibles could cut prices by as much as $190 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying $1,100 to $1,600 additional each year, depending on your age. Mazda 2 insurance for high-risk drivers can be anywhere from 42% to 133% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to know which car insurance is cheapest is to regularly compare prices from as many companies as possible. Each insurance company utilizes a different rate formula, and prices may be quite different from one company to the next.

Mazda 2 Insurance Rates by Model Year
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 Affordable Mazda 2 Insurance

Getting lower rates on Mazda 2 insurance requires having a decent driving record, having a good credit history, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at every other renewal by requesting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The following items are a brief review of the concepts that were covered above.

  • High-risk drivers with DUI or reckless driving convictions pay an average of $1,060 more annually than a driver with a clean driving record
  • 16 to 18-year-old drivers are expensive to insure, with premiums as much as $316 a month including comprehensive and collision insurance
  • Drivers can save approximately $100 per year simply by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles can save around $200 each year
  • Drivers can save approximately $100 per year simply by quoting online well ahead of the renewal date

Rates by Driver Age

Mazda 2 Insurance 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

Mazda 2 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,042
$250 $986
$500 $918
$1,000 $852

Full coverage, driver age 40

Rates by Liability Limit

Mazda 2 Insurance Rates with Different Liability Limits
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

Mazda 2 Insurance 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.

SR-22 Surcharge $122

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
Rate after discounts $565

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

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