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: Jun 4, 2023

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The average insurance rates for a Mazda 2 are $972 a year for full coverage insurance. Comprehensive costs an estimated $150, collision costs $186, and liability coverage is estimated at $478. Buying just liability costs approximately $526 a year, with insurance for high-risk drivers costing around $2,092. Teen drivers cost the most to insure at $3,964 a year or more.

Average premium for full coverage: $972

Policy rates broken down by type of insurance:

Comprehensive $150
Collision $186
Liability $478

Prices are based on $500 deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different 2 trim levels.

Price Range Variability

For a driver around age 40, Mazda 2 insurance rates go from as low as $526 for minimum levels of liability insurance to a much higher rate of $2,092 for a high-risk insurance policy.

Liability Only $526
Full Coverage $972
High Risk $2,092

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $729
Small Cities $1,021
Large Cities $1,312

The examples above illustrate why anyone shopping for car insurance should get quotes for a targeted area and risk profile, 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 Details

The chart below illustrates estimated Mazda 2 insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $593
  • Choosing higher $1,000 deductibles can save approximately $76 each year
  • The average rate for a good driver age 40 who has $500 deductibles is $972
  • Choosing more expensive low deductibles for comp and collision coverage will increase the cost to $1,118
  • Drivers with multiple violations and an at-fault accident could pay up to $2,092 or more
  • Policy cost for full coverage for a teenage driver with full coverage can cost as much as $3,964 each year

View Chart as Image

Mazda 2 insurance cost comparison chart
Column chart showing full coverage Mazda 2 insurance rates range from $593 to $3,964

Insurance rates for a Mazda 2 also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.

An older driver with a clean driving record and high deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $3,900 a year. View Rates by Age

Your home state plays a big part in determining prices for Mazda 2 insurance rates. A good driver about age 40 could pay as low as $640 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,320 on average in Florida, New York, and Michigan.

Mazda 2 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $880 -$92 -9.5%
Alaska $746 -$226 -23.3%
Arizona $808 -$164 -16.9%
Arkansas $972 -$0 0.0%
California $1,108 $136 14.0%
Colorado $930 -$42 -4.3%
Connecticut $1,002 $30 3.1%
Delaware $1,100 $128 13.2%
Florida $1,216 $244 25.1%
Georgia $898 -$74 -7.6%
Hawaii $698 -$274 -28.2%
Idaho $658 -$314 -32.3%
Illinois $724 -$248 -25.5%
Indiana $732 -$240 -24.7%
Iowa $656 -$316 -32.5%
Kansas $926 -$46 -4.7%
Kentucky $1,328 $356 36.6%
Louisiana $1,440 $468 48.1%
Maine $600 -$372 -38.3%
Maryland $802 -$170 -17.5%
Massachusetts $778 -$194 -20.0%
Michigan $1,692 $720 74.1%
Minnesota $814 -$158 -16.3%
Mississippi $1,164 $192 19.8%
Missouri $864 -$108 -11.1%
Montana $1,046 $74 7.6%
Nebraska $766 -$206 -21.2%
Nevada $1,168 $196 20.2%
New Hampshire $700 -$272 -28.0%
New Jersey $1,088 $116 11.9%
New Mexico $860 -$112 -11.5%
New York $1,024 $52 5.3%
North Carolina $560 -$412 -42.4%
North Dakota $796 -$176 -18.1%
Ohio $672 -$300 -30.9%
Oklahoma $1,000 $28 2.9%
Oregon $890 -$82 -8.4%
Pennsylvania $930 -$42 -4.3%
Rhode Island $1,298 $326 33.5%
South Carolina $880 -$92 -9.5%
South Dakota $822 -$150 -15.4%
Tennessee $852 -$120 -12.3%
Texas $1,174 $202 20.8%
Utah $722 -$250 -25.7%
Vermont $668 -$304 -31.3%
Virginia $582 -$390 -40.1%
Washington $752 -$220 -22.6%
West Virginia $890 -$82 -8.4%
Wisconsin $672 -$300 -30.9%
Wyoming $868 -$104 -10.7%

View Chart as Image

Mazda 2 insurance rates by U.S. city

Choosing high deductibles can save as much as $230 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $430 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,200 to $1,700 extra every year, depending on your age. High-risk driver insurance ranges around 43% to 137% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates and see how they stack up. Each auto insurer uses a different rate calculation, so the rates will be varied from one company to the next.

Mazda 2 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2013 Mazda 2 $168 $220 $474 $1,020
2012 Mazda 2 $156 $206 $474 $994
2011 Mazda 2 $150 $186 $478 $972

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 Affordable Mazda 2 Insurance

Finding cheaper rates on auto insurance takes not taking risks behind the wheel, maintaining good credit, being claim-free, and taking advantage of discounts. Set aside time to compare rates at least every other year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a brief review of the car insurance concepts covered above.

  • Drivers with DUI or reckless driving convictions pay on average $1,120 more annually for 2 insurance
  • It is possible to save approximately $110 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles can save around $225 each year
  • Consumers who want higher liability limits will pay about $530 annually to raise limits from a 30/60 limit to 250/500 limits

Rates by Driver Age

Mazda 2 Insurance Rates by Driver Age
Driver Age Premium
16 $3,964
20 $2,222
30 $986
40 $972
50 $896
60 $874

Full coverage, $500 deductibles

Rates by Deductible

Mazda 2 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,118
$250 $1,052
$500 $972
$1,000 $896

Full coverage, driver age 40

Rates by Liability Limit

Mazda 2 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $972
50/100 $1,068
100/300 $1,187
250/500 $1,498
100 CSL $1,115
300 CSL $1,378
500 CSL $1,570

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda 2 Insurance Rates for High Risk Drivers
Age Premium
16 $5,574
20 $3,544
30 $2,106
40 $2,092
50 $2,004
60 $1,982

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 $130

Potential Rate Discounts

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

Discount Savings
Multi-policy $49
Multi-vehicle $53
Homeowner $18
5-yr Accident Free $57
5-yr Claim Free $61
Paid in Full/EFT $34
Advance Quote $42
Online Quote $65
Total Discounts $379
Rate after discounts $593

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

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