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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U.S. average insurance prices for a Mazda 2 are $918 every 12 months with full coverage. Comprehensive costs an estimated $132 each year, collision costs $154, and liability coverage is $474. A policy with just liability insurance costs around $522 a year, with coverage for high-risk drivers costing around $1,974. Teen 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:
Rate estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and 2 models.
Price Range from Low to High
For an average driver, Mazda 2 insurance prices go from the cheapest price of $522 for the bare minimum liability coverage to a high rate of $1,974 for a driver that may need high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a large influence on car insurance rates. More rural locations have more infrequent collision claims than larger metro areas.
The graphic below illustrates the effect of geographic area on insurance prices.
The ranges above demonstrate why all drivers should compare rates quotes for a targeted area and their own driving history, rather than using 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 Information
The chart below details estimated Mazda 2 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $565
- Raising to $1,000 deductibles will save approximately $66 annually
- The average price for the average middle-age driver who has $500 deductibles is $918
- Choosing low deductibles increases the price to $1,042
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $1,974 or more
- The price to insure a teenage driver can cost as much as $3,792
Insurance prices for a Mazda 2 are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.
Choosing high deductibles can reduce prices by up to $190 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may only pay around $900 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay at least $3,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out $1,100 to $1,600 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 133% more than average. View High Risk Driver Rates
The state you live in also has a big influence on Mazda 2 insurance rates. A middle-age driver might find prices as low as $660 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,240 on average in New York, Michigan, 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% |
Since prices can be so different, the best way to find out which car insurance is cheapest is to do a rate comparison and see how they stack up. Every auto insurance company uses a different rate calculation, so the prices may be quite different.
| 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 Shop for the Best Mazda 2 Insurance
Getting lower rates on auto insurance consists of having a decent driving record, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to compare rates once a year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following items are a brief recap of the data that was covered in the above illustrations.
- You may be able to save approximately $100 per year simply by quoting online in advance
- Consumers who want additional liability coverage will pay about $520 every year to raise from a low limit to a 250/500 level
- 16 to 18-year-old drivers are charged the highest prices, costing up to $316 a month if they have full coverage
- Drivers who tend to receive serious violations may pay on average $1,060 more annually than a driver with a clean driving record
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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