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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The average auto insurance rates for a Mazda 2 are $942 annually including full coverage. Comprehensive insurance costs on average $140 each year, collision costs $170, and liability coverage is $474. A liability-only policy costs around $522 a year, with high-risk insurance costing $2,026 or more. Teen drivers cost the most to insure at $3,866 a year or more.
Average premium for full coverage: $942
Policy rates by type of insurance:
Rate estimates include $500 deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and 2 models.
Price Range Variability
For a driver around age 40, Mazda 2 insurance rates go from as cheap as $522 for a discount liability-only rate to a high rate of $2,026 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than larger metro areas.
The graphic below illustrates the difference between rural and urban areas on car insurance rates.
The examples above highlight why all drivers should compare rates quotes based on a specific location and their own personal driving habits, 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.
Rates by State, City, and Model
The chart below breaks down estimated Mazda 2 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $578
- Raising to $1,000 deductibles will save around $72 every year
- The estimated rate for a good driver age 40 with $500 deductibles is $942
- Choosing low deductibles costs an additional $134 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,026 or more
- Policy cost with full coverage for a teenage driver may cost $3,866
Car insurance rates for a Mazda 2 also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.
More mature drivers with no driving violations and high physical damage deductibles may only pay around $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $3,800 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,100 to $1,600 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 41% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $210 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Mazda 2 insurance rates. A middle-age driver might find rates as low as $720 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,350 on average in Michigan, New York, and Louisiana.
| 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% |
Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Every auto insurance company uses a different rate calculation, so rate quotes will be varied 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 the Best Mazda 2 Insurance
Finding cheaper rates on auto insurance consists of not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates every year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following is a brief recap of the coverage data covered above.
- You may be able to save as much as $100 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $200 each year
- Teens are expensive to insure, with premiums being up to $322 each month if comprehensive and collision insurance is included
- Drivers who tend to receive serious violations pay on average $1,080 more each year for 2 insurance
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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