Mazda 2 Insurance Rates

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UPDATED: May 20, 2024

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The average insurance prices for a Mazda 2 are $942 every 12 months for full coverage. Comprehensive insurance costs an estimated $140, collision costs $170, and liability insurance costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing $2,026 or more. Teens cost the most to insure at $3,866 a year or more.

Average premium for full coverage: $942

Policy rates broken down by type of insurance:

Comprehensive $140
Collision $170
Liability $474

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different 2 trim levels.

Price Range Variability

For a driver around age 40, Mazda 2 insurance rates go from the cheapest price of $522 for the bare minimum liability coverage to a much higher rate of $2,026 for a driver that may need high-risk insurance.

Liability Only $522
Full Coverage $942
High Risk $2,026

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. More rural locations are shown to have more infrequent accident claims than cities with more traffic congestion.

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

Rural Areas $707
Small Cities $989
Large Cities $1,272

The examples above show why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, rather than relying 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 Information

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

  • The cheapest rate after discounts is $578
  • Drivers who choose higher $1,000 deductibles will pay approximately $72 a year
  • The average price for a good driver age 40 who has $500 deductibles is $942
  • Selecting more expensive low deductibles for comprehensive and collision insurance costs an extra $134 a year
  • High risk drivers with serious driving violations could pay up to $2,026 or more
  • Policy cost to insure a teen driver with full coverage can cost as much as $3,866 a year

View Chart as Image

Mazda 2 insurance cost comparison chart
Column chart showing full coverage Mazda 2 insurance prices range from $578 to $3,866

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

Choosing higher comprehensive and collision insurance deductibles could save up to $210 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles could pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $3,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,100 to $1,600 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 41% to 130% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Mazda 2 insurance rates. 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.

Mazda 2 Insurance Rates by State
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%

View Chart as Image

Mazda 2 insurance rates by U.S. city

Because rates have so much variability, the only way to know which auto insurance is cheapest is to compare rates from as many companies as possible. Every company calculates rates differently, so the rates will be varied.

Mazda 2 Insurance Rates by Model Year
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 Shop for Cheaper Mazda 2 Insurance

Finding cheaper rates on Mazda 2 insurance not only requires being safe and accident-free, but also having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates once a year by getting quotes from direct carriers, and also from several local insurance agents.

Below you'll find a condensed summary of the data that was covered above.

  • Drivers can save approximately $100 per year simply by shopping early and online
  • Drivers who want more liability protection will pay approximately $520 each year to go from a 30/60 limit to a 250/500 level
  • Youthful drivers are charged the highest rates, costing up to $322 each month if they have full coverage
  • High-risk drivers with multiple at-fault accidents pay on average $1,080 more annually than a low-risk driver

Rates by Driver Age

Mazda 2 Insurance 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

Mazda 2 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,076
$250 $1,016
$500 $942
$1,000 $870

Full coverage, driver age 40

Rates by Liability Limit

Mazda 2 Insurance Rates with Different Liability Limits
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

Mazda 2 Insurance 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.

SR-22 Surcharge $125

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
Rate after discounts $578

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

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