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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Average insurance rates for a Mazda 2 are $918 a year for full coverage insurance. Comprehensive insurance costs on average $132, collision costs $154, and liability insurance costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing $1,974 or more. Teens receive the highest rates at $3,792 a year or more.
Average premium for full coverage: $918
Rate estimates by individual coverage type:
Includes $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for all 2 models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as low as $522 for liability-only coverage to the much higher price of $1,974 for a driver who has had serious violations or accidents.
Price Range by Location
Your location has a significant impact on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than cities with more traffic congestion.
The example below illustrates how your location can change car insurance rates.
These examples illustrate why everyone should compare rates based on a specific location and risk profile, 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.
Additional Charts and Tables
The chart below illustrates estimated Mazda 2 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $565
- Drivers who choose higher $1,000 deductibles will pay around $66 each year
- The average rate for a 40-year-old driver with $500 deductibles is $918
- Selecting pricier low deductibles for comprehensive and collision insurance will cost an extra $124 a year
- High risk drivers with serious driving violations could pay upwards of $1,974 or more
- The cost for full coverage for a teen driver for full coverage may cost $3,792 a year
Auto insurance rates for a Mazda 2 can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.
A more mature driver with a good driving record and high deductibles could pay as little as $900 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay upwards of $3,700 a year. View Rates by Age
Where you live makes a big difference in Mazda 2 insurance rates. A 40-year-old driver could pay 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $190 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,100 to $1,600 in extra premium per year, depending on your age. Mazda 2 insurance for high-risk drivers can cost anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates
With so much variability in rates, the only way to figure out exactly what you will pay is to regularly compare rates from as many companies as possible. Every company calculates rates differently, and quoted rates can be significantly different from one company to the next.
| 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 Cheapest Mazda 2 Insurance
Saving money on Mazda 2 insurance not only requires having a good driving record, but also having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to shop around every other policy renewal by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.
The next list is a recap of the ideas that were illustrated above.
- Drivers age 20 and younger are charged the highest rates, costing up to $316 per month if they have full coverage
- High-risk drivers that have major violations or accidents pay an average of $1,060 more each year to buy Mazda 2 insurance
- Increasing deductibles can save around $200 each year
- It is possible to save as much as $100 per year simply by quoting online well ahead of the renewal date
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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