Mazda 2 Insurance Rates
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UPDATED: May 20, 2024
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Estimated auto insurance rates for a Mazda 2 are $942 annually for full coverage. Comprehensive insurance costs approximately $140 each year, collision costs $170, and liability costs $474. A policy with only liability insurance costs as little as $522 a year, with a high-risk policy costing $2,026 or more. Teens pay the most at $3,866 a year or more.
Average premium for full coverage: $942
Premium estimates by type of coverage:
Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and 2 models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Mazda 2 go from as cheap as $522 for minimum levels of liability insurance to a high rate of $2,026 for high-risk insurance.
Insurance Price Range by Location
Your location can make a big difference on car insurance rates. Rural locations are statistically proven to have fewer accident claims than cities with more traffic congestion.
The graphic below illustrates how location impacts auto insurance prices.
These rate differences show why all drivers should compare rates using their specific location and their own personal driving habits, instead of making a decision based 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 Rate Details
The chart below shows estimated Mazda 2 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $578
- Drivers who choose higher $1,000 deductibles will pay $72 a year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $942
- Selecting low deductibles for comprehensive and collision insurance costs an additional $134 annually
- Drivers with serious driving violations could pay around $2,026 or more
- An auto insurance policy with full coverage for a 16-year-old driver can cost $3,866 a year
Car insurance prices for a Mazda 2 also have a wide range based on the model of your 2, your driver profile, and physical damage deductibles and liability limits.
More mature drivers with no driving violations and high physical damage deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $3,800 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying anywhere from $1,100 to $1,600 extra annually, depending on your age. Insurance for high-risk drivers can cost from 41% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $210 annually, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Mazda 2 insurance prices. A 40-year-old driver could pay as low as $620 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,350 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $854 | -$88 | -9.3% |
| Alaska | $722 | -$220 | -23.4% |
| Arizona | $782 | -$160 | -17.0% |
| Arkansas | $942 | -$0 | 0.0% |
| California | $1,074 | $132 | 14.0% |
| Colorado | $900 | -$42 | -4.5% |
| Connecticut | $970 | $28 | 3.0% |
| Delaware | $1,068 | $126 | 13.4% |
| Florida | $1,180 | $238 | 25.3% |
| Georgia | $870 | -$72 | -7.6% |
| Hawaii | $676 | -$266 | -28.2% |
| Idaho | $638 | -$304 | -32.3% |
| Illinois | $700 | -$242 | -25.7% |
| Indiana | $708 | -$234 | -24.8% |
| Iowa | $636 | -$306 | -32.5% |
| Kansas | $898 | -$44 | -4.7% |
| Kentucky | $1,286 | $344 | 36.5% |
| Louisiana | $1,394 | $452 | 48.0% |
| Maine | $582 | -$360 | -38.2% |
| Maryland | $776 | -$166 | -17.6% |
| Massachusetts | $754 | -$188 | -20.0% |
| Michigan | $1,638 | $696 | 73.9% |
| Minnesota | $788 | -$154 | -16.3% |
| Mississippi | $1,128 | $186 | 19.7% |
| Missouri | $836 | -$106 | -11.3% |
| Montana | $1,014 | $72 | 7.6% |
| Nebraska | $742 | -$200 | -21.2% |
| Nevada | $1,130 | $188 | 20.0% |
| New Hampshire | $678 | -$264 | -28.0% |
| New Jersey | $1,054 | $112 | 11.9% |
| New Mexico | $834 | -$108 | -11.5% |
| New York | $994 | $52 | 5.5% |
| North Carolina | $542 | -$400 | -42.5% |
| North Dakota | $774 | -$168 | -17.8% |
| Ohio | $652 | -$290 | -30.8% |
| Oklahoma | $968 | $26 | 2.8% |
| Oregon | $862 | -$80 | -8.5% |
| Pennsylvania | $900 | -$42 | -4.5% |
| Rhode Island | $1,258 | $316 | 33.5% |
| South Carolina | $854 | -$88 | -9.3% |
| South Dakota | $796 | -$146 | -15.5% |
| Tennessee | $828 | -$114 | -12.1% |
| Texas | $1,138 | $196 | 20.8% |
| Utah | $698 | -$244 | -25.9% |
| Vermont | $646 | -$296 | -31.4% |
| Virginia | $564 | -$378 | -40.1% |
| Washington | $730 | -$212 | -22.5% |
| West Virginia | $862 | -$80 | -8.5% |
| Wisconsin | $654 | -$288 | -30.6% |
| Wyoming | $842 | -$100 | -10.6% |
With such a large range in prices, the only way to know who has the cheapest car insurance prices is to do a rate comparison from multiple companies. Every company calculates prices differently, so rate quotes will be substantially different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2014 Mazda 2 | $168 | $220 | $474 | $1,020 |
| 2013 Mazda 2 | $156 | $206 | $474 | $994 |
| 2012 Mazda 2 | $150 | $186 | $478 | $972 |
| 2011 Mazda 2 | $140 | $170 | $474 | $942 |
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 better rates on insurance for a Mazda 2 not only requires avoiding accidents and violations, but also having a good credit score, not filing small claims, and avoiding coverage lapses. Spend time shopping around every couple of years by getting rate quotes from direct carriers, and also from several local insurance agents.
The list below is a review of the material that was touched on above.
- Insureds who purchase higher liability limits will pay approximately $520 each year to go from 30/60 bodily injury limits to higher 250/500 limits
- Teenagers pay the highest auto insurance prices, as much as $322 per month if comprehensive and collision insurance is included
- Drivers considered higher risk who have several accidents or serious violations pay on average $1,080 more per year for car insurance
- Increasing policy deductibles could save up to $200 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,866 |
| 20 | $2,154 |
| 30 | $954 |
| 40 | $942 |
| 50 | $866 |
| 60 | $848 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,076 |
| $250 | $1,016 |
| $500 | $942 |
| $1,000 | $870 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $942 |
| 50/100 | $1,037 |
| 100/300 | $1,155 |
| 250/500 | $1,463 |
| 100 CSL | $1,084 |
| 300 CSL | $1,345 |
| 500 CSL | $1,535 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,430 |
| 20 | $3,436 |
| 30 | $2,038 |
| 40 | $2,026 |
| 50 | $1,940 |
| 60 | $1,918 |
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 | $47 |
| Multi-vehicle | $51 |
| Homeowner | $17 |
| 5-yr Accident Free | $55 |
| 5-yr Claim Free | $59 |
| Paid in Full/EFT | $32 |
| Advance Quote | $40 |
| Online Quote | $63 |
| Total Discounts | $364 |
Discounts are estimated and may not be available from every company or in every state.
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