Mazda 2 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Sep 2, 2022

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U.S. average auto insurance rates for a Mazda 2 are $994 annually with full coverage. Comprehensive insurance costs an estimated $156 each year, collision insurance costs $206, and liability costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs $2,136 or more. Teenage drivers pay the highest rates at up to $4,024 a year.

Average premium for full coverage: $994

Price estimates broken down by individual coverage:

Comprehensive $156
Collision $206
Liability $474

Price estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and 2 models.

Price Range from Low to High

For the average driver, Mazda 2 insurance prices range from as cheap as $522 for liability-only coverage to a high rate of $2,136 for a high-risk insurance policy.

Liability Only $522
Full Coverage $994
High Risk $2,136

Geographic Price Range

Your location can have significant affects on car insurance rates. More rural locations have fewer collision claims than densely populated cities. The graphic below illustrates how location impacts insurance prices.

Rural Areas $746
Small Cities $1,044
Large Cities $1,342

The ranges above demonstrate why all drivers should compare rates for a targeted area and their own personal driving habits, instead of using 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 Charts and Tables

The chart below details average Mazda 2 insurance rates for other coverage scenarios.

  • The best discount rate is $605
  • Drivers who choose higher $1,000 deductibles will pay approximately $84 annually
  • The estimated rate for the average middle-age driver who has $500 deductibles is $994
  • Using low deductibles for comprehensive and collision insurance costs an additional $154 every year
  • Higher-risk drivers who are prone to accidents and violations could pay up to $2,136
  • The price with full coverage for a teen driver can cost as much as $4,024 a year

View Chart as Image

Mazda 2 insurance cost comparison chart
Column chart showing Mazda 2 insurance prices range from $605 to $4,024 for full coverage

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

More mature drivers with a good driving record and high physical damage deductibles may pay as little as $900 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay at least $4,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,200 to $1,700 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $240 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Mazda 2 insurance prices. A 40-year-old driver could pay as low as $720 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,340 on average in New York, Michigan, and Florida.

Mazda 2 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $898 -$96 -9.7%
Alaska $760 -$234 -23.5%
Arizona $822 -$172 -17.3%
Arkansas $994 -$0 0.0%
California $1,130 $136 13.7%
Colorado $948 -$46 -4.6%
Connecticut $1,020 $26 2.6%
Delaware $1,124 $130 13.1%
Florida $1,242 $248 24.9%
Georgia $916 -$78 -7.8%
Hawaii $714 -$280 -28.2%
Idaho $670 -$324 -32.6%
Illinois $738 -$256 -25.8%
Indiana $744 -$250 -25.2%
Iowa $668 -$326 -32.8%
Kansas $944 -$50 -5.0%
Kentucky $1,354 $360 36.2%
Louisiana $1,468 $474 47.7%
Maine $612 -$382 -38.4%
Maryland $818 -$176 -17.7%
Massachusetts $794 -$200 -20.1%
Michigan $1,724 $730 73.4%
Minnesota $830 -$164 -16.5%
Mississippi $1,188 $194 19.5%
Missouri $880 -$114 -11.5%
Montana $1,064 $70 7.0%
Nebraska $782 -$212 -21.3%
Nevada $1,190 $196 19.7%
New Hampshire $714 -$280 -28.2%
New Jersey $1,110 $116 11.7%
New Mexico $880 -$114 -11.5%
New York $1,046 $52 5.2%
North Carolina $572 -$422 -42.5%
North Dakota $812 -$182 -18.3%
Ohio $686 -$308 -31.0%
Oklahoma $1,020 $26 2.6%
Oregon $908 -$86 -8.7%
Pennsylvania $948 -$46 -4.6%
Rhode Island $1,322 $328 33.0%
South Carolina $898 -$96 -9.7%
South Dakota $838 -$156 -15.7%
Tennessee $870 -$124 -12.5%
Texas $1,196 $202 20.3%
Utah $734 -$260 -26.2%
Vermont $680 -$314 -31.6%
Virginia $594 -$400 -40.2%
Washington $768 -$226 -22.7%
West Virginia $908 -$86 -8.7%
Wisconsin $688 -$306 -30.8%
Wyoming $884 -$110 -11.1%

View Chart as Image

Mazda 2 insurance rates by U.S. city
Mazda 2 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2013 Mazda 2 $172 $236 $464 $1,030
2012 Mazda 2 $168 $220 $474 $1,020
2011 Mazda 2 $156 $206 $474 $994

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 Cheaper Mazda 2 Insurance

Getting lower rates on car insurance not only requires being a safe and courteous driver, but also having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Spend time shopping around at least every other year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a condensed summary of the car insurance concepts touched on above.

  • Higher risk drivers with multiple at-fault accidents pay on average $1,140 more annually for auto insurance
  • You may be able to save approximately $110 per year just by quoting online in advance
  • Increasing physical damage deductibles could save up to $250 each year
  • Policyholders who want higher levels of liability will pay an extra $520 every year to go from a low limit to higher 250/500 limits

Rates by Driver Age

Mazda 2 Insurance Rates by Driver Age
Driver Age Premium
16 $4,024
20 $2,270
30 $1,006
40 $994
50 $910
60 $892

Full coverage, $500 deductibles

Rates by Deductible

Mazda 2 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,148
$250 $1,076
$500 $994
$1,000 $910

Full coverage, driver age 40

Rates by Liability Limit

Mazda 2 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $994
50/100 $1,089
100/300 $1,207
250/500 $1,515
100 CSL $1,136
300 CSL $1,397
500 CSL $1,587

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda 2 Insurance Rates for High Risk Drivers
Age Premium
16 $5,662
20 $3,620
30 $2,150
40 $2,136
50 $2,044
60 $2,022

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 $133

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $50
Multi-vehicle $54
Homeowner $18
5-yr Accident Free $60
5-yr Claim Free $62
Paid in Full/EFT $35
Advance Quote $43
Online Quote $67
Total Discounts $389
Rate after discounts $605

Discounts are estimated and may not be available from every company or in every state.

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