Mazda 2 Insurance Rates
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UPDATED: May 20, 2024
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U.S. average auto insurance rates for a Mazda 2 are $942 annually for full coverage insurance. Comprehensive insurance costs on average $140 each year, collision insurance costs $170, and liability costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs $2,026 or more. Teen drivers pay the highest rates at up to $3,866 a year.
Average premium for full coverage: $942
Price estimates by individual coverage:
Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and 2 models.
Price Range from Low to High
For a driver around age 40, Mazda 2 insurance prices range from as cheap as $522 for basic liability insurance to a high rate of $2,026 for a driver who requires high-risk insurance.
Geographic Price Range
Your location can have significant affects on insurance rates. Rural areas have fewer physical damage claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on car insurance rates.
The ranges above illustrate why all drivers should compare rates based on a specific location and their own personal driving habits, instead of using 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.
Rate Comparisons
The chart below illustrates average Mazda 2 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $578
- Drivers who choose higher $1,000 deductibles will pay around $72 each year
- The estimated rate for the average middle-age driver with $500 deductibles is $942
- Choosing low deductibles for comprehensive and collision insurance costs an additional $134 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,026
- The price with full coverage for a teen driver may cost $3,866 a year
Auto insurance prices for a Mazda 2 are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.
More mature drivers with a good driving record and high physical damage deductibles may pay as little as $900 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay upwards of $3,800 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,100 to $1,600 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost as much as 41% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $210 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Mazda 2 insurance prices. A 40-year-old driver could pay as low as $620 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,280 on average in Michigan, New York, and Florida.
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% |
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 Buy More Affordable Mazda 2 Insurance
Getting lower rates on car insurance not only requires being a good driver, but also having above-average credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to compare rates at every other renewal by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following list is a summary of the concepts that were covered above.
- Higher risk drivers who have multiple accidents or major violations may pay on average $1,080 more each year than a safer driver
- Drivers age 16 to 20 are charged the highest prices, as much as $322 a month if full coverage is included
- It is possible to save as much as $100 per year just by quoting online in advance
- Increasing physical damage deductibles could save up to $200 each year
- It is possible to save as much as $100 per year just by quoting online in advance
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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