Mazda 2 Insurance Rates

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UPDATED: May 20, 2024

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Estimated insurance rates for a Mazda 2 are $942 a year including full coverage. Comprehensive costs around $140, collision insurance costs $170, and liability costs $474. Liability-only insurance costs as little as $522 a year, and high-risk driver insurance costs around $2,026. Teens pay the most at up to $3,866 a year.

Average premium for full coverage: $942

Premium estimates for type of coverage:

Comprehensive $140
Collision $170
Liability $474

These estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for all 2 models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Mazda 2 range from as low as $522 for a discount liability-only rate to the much higher price of $2,026 for a driver who has had serious violations or accidents.

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

Insurance Price Range by Location

Your location can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how your location can change auto insurance rates.

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

These rate differences highlight why everyone should compare rates for a specific zip code and risk profile, instead of using 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.

Rates by State, City, and Model

The chart below breaks down average Mazda 2 insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $578
  • Drivers who choose higher $1,000 deductibles will pay about $72 every year
  • The average rate for a 40-year-old good driver using $500 deductibles is $942
  • Selecting pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,076
  • Higher-risk drivers with serious driving violations could pay at least $2,026
  • An auto insurance policy for full coverage for a teen driver for full coverage can be $3,866 a year

View Chart as Image

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

Insurance prices for a Mazda 2 also have a wide range based on your driving characteristics, the model of your 2, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay as much as $3,800 a year. View Rates by Age

Where you choose to live 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 Missouri, New Hampshire, and Vermont, or have to pay at least $1,350 on average in Michigan, New York, and Louisiana.

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

Choosing higher comprehensive and collision insurance deductibles could save up to $210 every year, whereas buying more liability protection will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at least $1,100 to $1,600 additional annually, depending on your age. Mazda 2 insurance for high-risk drivers can cost as much as 41% to 130% more than the average policy. View High Risk Driver Rates

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 Find Cheap Mazda 2 Insurance

Finding better rates on car insurance not only requires not taking risks behind the wheel, but also having a good credit history, refrain from filing small claims, and deciding if full coverage is necessary. Invest the time to shop around every other policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a brief summary of the ideas that were illustrated above.

  • Teens are charged the highest prices, with the cost nearing $322 per month including comprehensive and collision insurance
  • Higher risk drivers that tend to have accidents or serious violations pay on average $1,080 more every year for 2 insurance
  • Increasing policy deductibles can save around $200 each year
  • You may be able to save up to $100 per year just by quoting online well ahead of the renewal date

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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