Mazda 2 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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
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.
U.S. average auto insurance rates for a Mazda 2 are $918 annually with full coverage. Comprehensive costs an estimated $132 each year, collision costs $154, and liability insurance costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance costing around $1,974. Teen drivers pay the highest rates at $3,792 a year or more.
Average premium for full coverage: $918
Price estimates broken down by individual coverage:
Full coverage includes $500 deductible amounts, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and 2 models.
Price Range from Low to High
For a driver around age 40, Mazda 2 insurance prices go from as cheap as $522 for your basic liability-only policy to a high rate of $1,974 for high-risk insurance.
Geographic Price Range
Where you live has a significant impact on car insurance rates. More rural locations have fewer collision claims than larger metro areas.
The graphic below illustrates the difference between rural and urban areas on insurance prices.
The ranges above demonstrate why all drivers should compare prices for a targeted area and their own personal driving habits, rather than relying on price 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.
More Rate Information
The chart below details estimated Mazda 2 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $565
- Using higher $1,000 deductibles will save approximately $66 annually
- The estimated rate for the average middle-age driver who has $500 deductibles is $918
- Choosing low deductibles for physical damage coverage will cost $1,042
- Drivers with multiple violations and an at-fault accident could pay up to $1,974 or more
- The price with full coverage for a teen driver can cost as much as $3,792 or more
Car 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 no driving violations and high physical damage deductibles could pay as little as $900 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged at least $3,700 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out $1,100 to $1,600 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $190 each 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 12 months. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Mazda 2 insurance rates. A driver around age 40 might see prices as low as $660 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,240 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $832 | -$86 | -9.4% |
| Alaska | $704 | -$214 | -23.3% |
| Arizona | $762 | -$156 | -17.0% |
| Arkansas | $918 | -$0 | 0.0% |
| California | $1,046 | $128 | 13.9% |
| Colorado | $878 | -$40 | -4.4% |
| Connecticut | $944 | $26 | 2.8% |
| Delaware | $1,040 | $122 | 13.3% |
| Florida | $1,152 | $234 | 25.5% |
| Georgia | $846 | -$72 | -7.8% |
| Hawaii | $662 | -$256 | -27.9% |
| Idaho | $620 | -$298 | -32.5% |
| Illinois | $684 | -$234 | -25.5% |
| Indiana | $690 | -$228 | -24.8% |
| Iowa | $620 | -$298 | -32.5% |
| Kansas | $874 | -$44 | -4.8% |
| Kentucky | $1,252 | $334 | 36.4% |
| Louisiana | $1,358 | $440 | 47.9% |
| Maine | $568 | -$350 | -38.1% |
| Maryland | $758 | -$160 | -17.4% |
| Massachusetts | $736 | -$182 | -19.8% |
| Michigan | $1,596 | $678 | 73.9% |
| Minnesota | $768 | -$150 | -16.3% |
| Mississippi | $1,100 | $182 | 19.8% |
| Missouri | $816 | -$102 | -11.1% |
| Montana | $986 | $68 | 7.4% |
| Nebraska | $724 | -$194 | -21.1% |
| Nevada | $1,102 | $184 | 20.0% |
| New Hampshire | $662 | -$256 | -27.9% |
| New Jersey | $1,026 | $108 | 11.8% |
| New Mexico | $814 | -$104 | -11.3% |
| New York | $968 | $50 | 5.4% |
| North Carolina | $528 | -$390 | -42.5% |
| North Dakota | $752 | -$166 | -18.1% |
| Ohio | $634 | -$284 | -30.9% |
| Oklahoma | $944 | $26 | 2.8% |
| Oregon | $842 | -$76 | -8.3% |
| Pennsylvania | $878 | -$40 | -4.4% |
| Rhode Island | $1,224 | $306 | 33.3% |
| South Carolina | $832 | -$86 | -9.4% |
| South Dakota | $776 | -$142 | -15.5% |
| Tennessee | $806 | -$112 | -12.2% |
| Texas | $1,108 | $190 | 20.7% |
| Utah | $680 | -$238 | -25.9% |
| Vermont | $630 | -$288 | -31.4% |
| Virginia | $550 | -$368 | -40.1% |
| Washington | $712 | -$206 | -22.4% |
| West Virginia | $842 | -$76 | -8.3% |
| Wisconsin | $638 | -$280 | -30.5% |
| Wyoming | $820 | -$98 | -10.7% |
Since prices can be so different, the best way to find out which car insurance is cheapest is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes may be quite different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2014 Mazda 2 | $156 | $206 | $474 | $994 |
| 2013 Mazda 2 | $150 | $186 | $478 | $972 |
| 2012 Mazda 2 | $140 | $170 | $474 | $942 |
| 2011 Mazda 2 | $132 | $154 | $474 | $918 |
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 More Affordable Mazda 2 Insurance
Getting lower rates on Mazda 2 insurance requires having a good driving record, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates every couple of years by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The next list is a summary of the material that was covered above.
- Drivers who want increased levels of liability coverage will pay about $520 every year to increase from a low limit to higher 250/500 limits
- Drivers age 20 and younger have the highest car insurance prices, costing up to $316 a month if comprehensive and collision insurance is included
- High-risk drivers who have multiple accidents or major violations pay on average $1,060 more annually to buy Mazda 2 insurance
- Increasing physical damage deductibles could save up to $200 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,792 |
| 20 | $2,100 |
| 30 | $928 |
| 40 | $918 |
| 50 | $844 |
| 60 | $826 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,042 |
| $250 | $986 |
| $500 | $918 |
| $1,000 | $852 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $918 |
| 50/100 | $1,013 |
| 100/300 | $1,131 |
| 250/500 | $1,439 |
| 100 CSL | $1,060 |
| 300 CSL | $1,321 |
| 500 CSL | $1,511 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,320 |
| 20 | $3,348 |
| 30 | $1,982 |
| 40 | $1,974 |
| 50 | $1,890 |
| 60 | $1,870 |
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 | $46 |
| Multi-vehicle | $50 |
| Homeowner | $17 |
| 5-yr Accident Free | $52 |
| 5-yr Claim Free | $57 |
| Paid in Full/EFT | $31 |
| Advance Quote | $39 |
| Online Quote | $61 |
| Total Discounts | $353 |
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
