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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Estimated insurance rates for a Mazda 2 are $918 a year for full coverage. Comprehensive costs an estimated $132, collision costs $154, and liability costs $474. A policy with only liability insurance costs as little as $522 a year, with a high-risk policy costing around $1,974. 16-year-old drivers pay the most at $3,792 a year or more.
Average premium for full coverage: $918
Premium estimates broken down by type of coverage:
Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all states and for all 2 models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Mazda 2 go from the low end price of $522 for just liability insurance to the much higher price of $1,974 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Your location can have significant affects on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than congested cities.
The example below illustrates the effect of geographic area on insurance prices.
These rate differences show why everyone should compare rates for a targeted area, instead of using rate 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.
More Rate Details
The chart below shows estimated Mazda 2 insurance rates for other coverage scenarios.
- The best full coverage rate is $565
- Drivers who choose higher $1,000 deductibles will pay approximately $66 a year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $918
- Buying pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,042
- Higher-risk drivers with multiple tickets or accidents could pay up to $1,974 or more
- An auto insurance policy that insures a teen driver for full coverage can cost as much as $3,792 a year
Car insurance prices for a Mazda 2 also have a wide range based on the model of your 2, how you drive, and liability limits and deductibles.
If you have a few violations or you caused an accident, you could be paying $1,100 to $1,600 extra annually, depending on your age. Mazda 2 insurance for high-risk drivers can cost as much as 42% to 133% more than the average rate. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged at least $3,700 a year. View Rates by Age
Where you choose to live makes a big difference in Mazda 2 insurance prices. A 40-year-old driver could pay as low as $610 a year in states like Iowa, Maine, and Idaho, or at least $1,310 on average in New York, Louisiana, and Michigan.
| 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% |
Opting for high physical damage deductibles could save up to $190 every year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to know which insurance company is cheapest is to regularly compare prices and see which company has the best price. Every company utilizes a different rate formula, so rate quotes will be substantially 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 Find the Best Cheap Mazda 2 Insurance
Finding better rates on car insurance not only requires avoiding accidents and violations, but also having a positive credit history, not filing small claims, and not having any coverage lapses. Comparison shop once a year by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.
The list below is a quick review of the data that was covered in the above illustrations.
- Drivers can save approximately $100 per year simply by quoting online well ahead of the renewal date
- Policyholders who want higher liability limits will pay around $520 each year to go from 30/60 bodily injury limits to the 250/500 level
- Teenagers have the highest car insurance prices, as much as $316 per month if full coverage is purchased
- Higher risk drivers with a DUI or reckless driving violation may pay on average $1,060 more annually for car insurance
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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