Mazda 2 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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Estimated auto insurance rates for a Mazda 2 are $972 annually for full coverage insurance. Comprehensive insurance costs approximately $150, collision insurance costs $186, and liability insurance is estimated at $478. A policy with only liability insurance costs approximately $526 a year, and a high-risk policy costs $2,092 or more. Teenage drivers pay the most at up to $3,964 a year.

Average premium for full coverage: $972

Premium estimates by type of coverage:

Comprehensive $150
Collision $186
Liability $478

Prices are based on $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for different 2 trim levels.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Mazda 2 range from as cheap as $526 for your basic liability-only policy to a much higher rate of $2,092 for a driver who requires high-risk insurance.

Liability Only $526
Full Coverage $972
High Risk $2,092

Insurance Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than densely populated cities. The price range example below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $729
Small Cities $1,021
Large Cities $1,312

These rate differences illustrate why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than relying on 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.

More Rate Information

The chart below illustrates average Mazda 2 insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $593
  • Choosing higher $1,000 deductibles can save $76 each year
  • The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $972
  • Using more expensive low deductibles for comp and collision coverage costs an additional $146 a year
  • High-risk insureds who are prone to accidents and violations could pay around $2,092
  • An auto insurance policy with full coverage for a teen driver with full coverage can cost $3,964 each year

View Chart as Image

Mazda 2 insurance cost comparison chart
Column chart showing Mazda 2 insurance prices range from $593 to $3,964 for full coverage

Car insurance prices for a Mazda 2 also have a wide range based on the model of your 2, your risk profile, and physical damage deductibles and liability limits.

An older driver with no driving violations and high physical damage deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $3,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,200 to $1,700 extra annually, depending on your age. High-risk driver insurance ranges anywhere from 43% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $230 each year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $430 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live 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 North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,320 on average in Florida, New York, and Michigan.

Mazda 2 Insurance Rates by State
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%

View Chart as Image

Mazda 2 insurance rates by U.S. city
Mazda 2 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
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 Buy Affordable Mazda 2 Insurance

Finding better rates on Mazda 2 insurance takes not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and attention to physical damage deductibles. Set aside time to shop around at every other renewal by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The following is a brief review of the concepts that were raised in the charts and tables above.

  • High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,120 more per year for 2 insurance
  • Teens pay the highest auto insurance prices, with premiums being up to $330 per month if comprehensive and collision insurance is included
  • It is possible to save around $110 per year just by shopping early and online
  • Increasing policy deductibles could save up to $225 each year
  • It is possible to save around $110 per year just by shopping early and online

Rates by Driver Age

Mazda 2 Insurance 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

Mazda 2 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,118
$250 $1,052
$500 $972
$1,000 $896

Full coverage, driver age 40

Rates by Liability Limit

Mazda 2 Insurance Rates with Different Liability Limits
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

Mazda 2 Insurance 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.

SR-22 Surcharge $130

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
Rate after discounts $593

Discounts are estimated and may not be available from every company or in every state.

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