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 insurance. Comprehensive costs on average $132 each year, collision costs $154, and liability insurance costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance costing around $1,974. Teenage drivers pay the highest rates at $3,792 a year or more.

Average premium for full coverage: $918

Price estimates by individual coverage:

Comprehensive $132
Collision $154
Liability $474

Price estimates include $500 deductible amounts, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and 2 models.

Price Range from Low to High

For the normal driver, Mazda 2 insurance prices go from the low end price of $522 for just the minimum liability insurance to a high rate of $1,974 for 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. Rural areas have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates how geographic area affects car insurance rates.

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

The ranges above illustrate why all drivers should compare prices based on a specific location, rather than relying 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 Rate Analysis

The chart below illustrates estimated Mazda 2 insurance rates for different risk profiles and scenarios.

  • The best discount rate is $565
  • Using higher $1,000 deductibles will save around $66 each year
  • The estimated price for the average middle-age driver with $500 deductibles is $918
  • Using low deductibles for physical damage coverage bumps up the cost to $1,042
  • Drivers who are prone to accidents and violations could pay upwards of $1,974 or more
  • The price that insures a teen driver may cost $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

Car insurance prices for a Mazda 2 are also quite variable based on the trim level and model year, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,100 to $1,600 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $900 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged upwards of $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 $600 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,240 on average in Michigan, New York, and Florida.

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

Using high physical damage deductibles could cut prices by as much as $190 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different.

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 Cheaper Mazda 2 Insurance

Getting lower rates on Mazda 2 insurance requires having a good driving record, having a positive credit history, not filing small claims, and maximizing policy discounts. Compare prices every couple of years by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The next list is a condensed summary of the material that was presented in the illustrations above.

  • Drivers who require increased levels of liability coverage will pay an extra $520 annually to increase from a low limit to the 250/500 level
  • Drivers age 20 and younger are expensive to insure, as much as $316 a month if full coverage is purchased
  • High-risk drivers with multiple at-fault accidents may pay on average $1,060 more each year to buy Mazda 2 insurance
  • Increasing physical damage deductibles can save approximately $200 each year

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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