Mazda 2 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: May 20, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
The average insurance prices for a Mazda 2 are $972 every 12 months for full coverage. Comprehensive insurance costs on average $150, collision costs $186, and liability coverage is estimated at $478. Liability-only coverage costs approximately $526 a year, with high-risk coverage costing $2,092 or more. 16-year-old drivers cost the most to insure at $3,964 a year or more.
Average premium for full coverage: $972
Policy rates by type of insurance:
Estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for different 2 trim levels.
Price Range Variability
For the average 40-year-old driver, Mazda 2 insurance rates go from the cheapest price of $526 for minimum levels of liability insurance to a much higher rate of $2,092 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a large influence on car insurance rates. Rural areas are shown to have more infrequent accident claims than congested cities.
The price range example below illustrates the difference location can make on car insurance rates.
The examples above show why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, rather than 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.
Additional Rate Details
The chart below shows estimated Mazda 2 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $593
- Choosing higher $1,000 deductibles can save around $76 a year
- The average price for a good driver age 40 with $500 deductibles is $972
- Buying more expensive low deductibles for comp and collision coverage costs an extra $146 each year
- Drivers with multiple tickets or accidents could pay upwards of $2,092 or more
- Policy cost to insure a teenage driver with full coverage may cost $3,964 each year
Insurance rates for a Mazda 2 also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your 2.
Opting for high physical damage deductibles can save as much as $230 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $430 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $3,900 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 at a minimum $1,200 to $1,700 additional every year, depending on your age. High-risk driver insurance ranges around 43% to 137% more than the average rate. View High Risk Driver Rates
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 Idaho, Maine, and Iowa, or at least $1,390 on average in Michigan, Louisiana, and New York.
| 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% |
Because rates have so much variability, the only way to know exactly what you will pay is to compare rates and see how they stack up. Each auto insurer utilizes a different rate formula, and rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2014 Mazda 2 | $172 | $236 | $464 | $1,030 |
| 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 Shop for Low Cost Mazda 2 Insurance
Finding cheaper rates on auto insurance takes being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates every couple of years by requesting rates from direct carriers, and also from local independent and exclusive agents.
The items below are a review of the material that was touched on in this article.
- Consumers who require more liability coverage will pay around $530 each year to raise limits from a 30/60 limit to a 250/500 level
- Teen drivers pay higher rates, costing up to $330 each month if full coverage is included
- Drivers who have several accidents or serious violations pay an average of $1,120 more each year to insure their 2
- Increasing comprehensive and collision deductibles could save as much as $225 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,118 |
| $250 | $1,052 |
| $500 | $972 |
| $1,000 | $896 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
