Mazda 2 Insurance Rates
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UPDATED: May 20, 2024
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Average auto insurance rates for a Mazda 2 are $972 annually for full coverage. Comprehensive insurance costs an estimated $150 a year, collision costs $186, and liability coverage costs around $478. Liability-only coverage costs as low as $526 a year, with high-risk coverage costing $2,092 or more. 16-year-old drivers receive the highest rates at $3,964 a year or more.
Average premium for full coverage: $972
Rate estimates broken down by individual coverage type:
Rates are based on $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and 2 trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from as cheap as $526 for the bare minimum liability coverage to a high of $2,092 for high-risk insurance.
Price Range by Location
Where you live has a large influence on insurance rates. More rural locations tend to have fewer accident claims than congested cities.
The diagram below illustrates how geographic area affects insurance prices.
These examples show why it is important to compare prices for a targeted area and their own personal driving habits, 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 Information
The chart below shows estimated Mazda 2 insurance rates for other coverage scenarios.
- The best full coverage rate is $593
- Using higher $1,000 deductibles will save approximately $896 a year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $972
- Buying low $100 deductibles for physical damage coverage costs an additional $146 each year
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,092 or more
- The cost with full coverage for a teenage driver can cost as much as $3,964 or more
Car insurance rates for a Mazda 2 can also vary considerably based on the trim level of your 2, your driver profile, and liability limits and deductibles.
Older drivers with no driving violations and high physical damage deductibles may only pay around $900 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged at least $3,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying $1,200 to $1,700 extra per year, depending on your age. A high-risk auto insurance policy can be around 43% to 137% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $230 a year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $430 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Mazda 2 insurance rates. A driver around age 40 might see rates as low as $640 a year in states like Iowa, Maine, and Idaho, or at least $1,390 on average in New York, Louisiana, and Michigan.
| 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% |
With so much variability in rates, the only way to know which company is cheapest is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2014 Mazda 2 | $172 | $236 | $464 | $1,030 |
| 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 the Best Cheap Mazda 2 Insurance
Saving money on auto insurance requires being safe and accident-free, having a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Invest the time to compare rates every couple of years by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
Below you'll find a quick review of the material that was presented in the illustrations above.
- Consumers who want more liability protection will pay around $530 each year to increase from a minimum limit to higher 250/500 limits
- Youthful drivers have the highest car insurance rates, costing as high as $330 per month if comprehensive and collision insurance is included
- Drivers with a DUI or reckless driving violation may pay on average $1,120 more annually than a low-risk driver
- Increasing deductibles could save up to $225 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,118 |
| $250 | $1,052 |
| $500 | $972 |
| $1,000 | $896 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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