Mazda 2 Insurance Rates
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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:
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.
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.
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
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.
|State||Premium||Compared to U.S. Avg||Percent Difference|
|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
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$60|
|5-yr Claim Free||$62|
|Paid in Full/EFT||$35|
Discounts are estimated and may not be available from every company or in every state.