Mazda 2 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 20, 2024
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Average insurance prices for a Mazda 2 are $942 every 12 months for full coverage insurance. Comprehensive costs approximately $140 a year, collision costs $170, and liability coverage is $474. A policy with just liability insurance costs around $522 a year, with coverage for high-risk drivers costing around $2,026. 16-year-old drivers receive the highest rates at $3,866 a year or more.
Average premium for full coverage: $942
Rate estimates by individual coverage type:
Includes $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and 2 trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the cheapest price of $522 for minimum levels of liability insurance to a high of $2,026 for coverage for higher-risk drivers.
Price Range by Location
Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than congested cities.
The diagram below illustrates how your location can change auto insurance prices.
These examples illustrate why it is important to compare rates quotes using their 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 illustrates estimated Mazda 2 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $578
- Raising to $1,000 deductibles will save $870 each year
- The average price for a 40-year-old driver who chooses $500 deductibles is $942
- Buying low $100 deductibles increases the price to $1,076
- Unlucky drivers with multiple tickets or accidents could pay around $2,026 or more
- The cost to insure a teenage driver can cost $3,866
Insurance rates for a Mazda 2 can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your 2.
Opting for high physical damage deductibles can reduce rates by up to $210 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may only pay around $900 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $3,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,100 to $1,600 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 41% to 130% more than the average rate. View High Risk Driver Rates
Where you live also has a big influence on Mazda 2 insurance rates. A middle-age driver might find rates as low as $620 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,280 on average in Florida, New York, and Michigan.
| 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% |
With so much variability in rates, the only way to figure out who has the best car insurance rates is to get quotes and see how they stack up. Every auto insurance company utilizes a different rate formula, and rates can be significantly different.
| 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 the Cheapest Mazda 2 Insurance
Saving money on auto insurance consists of being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest the time to shop around at least once a year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The items below are a recap of the primary concepts that were illustrated above.
- It is possible to save around $100 per year simply by quoting early and online
- Drivers that have major violations or accidents may have to pay on average $1,080 more per year to insure their 2
- Increasing deductibles could save as much as $200 each year
- Teen drivers are the costliest to insure, costing up to $322 per month if full coverage is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,076 |
| $250 | $1,016 |
| $500 | $942 |
| $1,000 | $870 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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