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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The average insurance rates for a Mazda 2 are $942 a year for full coverage. Comprehensive costs approximately $140, collision insurance costs $170, and liability is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs around $2,026. Teenage drivers cost the most to insure at up to $3,866 a year.
Average premium for full coverage: $942
Policy rates by type of insurance:
Price estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for all 2 models.
Price Range Variability
For the average 40-year-old driver, Mazda 2 insurance rates range from the low end price of $522 for basic liability insurance to the much higher price of $2,026 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are shown to have lower incidents of accident claims than densely populated cities. The example below illustrates the difference location can make on auto insurance prices.
The examples above show why everyone should compare rates quotes using their specific location, instead of making a decision based 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.
Rate Comparisons
The chart below shows average Mazda 2 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $578
- Raising to $1,000 deductibles will save $72 a year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $942
- Using pricier low deductibles bumps up the cost to $1,076
- Drivers who are prone to accidents and violations could pay around $2,026
- Policy cost that insures a 16-year-old driver for full coverage can cost $3,866
Insurance rates for a Mazda 2 also range considerably based on the model of your 2, how you drive, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,100 to $1,600 additional every year, depending on your age. Mazda 2 insurance for high-risk drivers is expensive and can cost from 41% to 130% more than a normal policy. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $3,800 a year. View Rates by Age
Your home state also has a big influence on Mazda 2 insurance prices. A middle-age driver might find rates as low as $620 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,350 on average in New York, Louisiana, 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% |
Using high physical damage deductibles can reduce rates by up to $210 annually, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit
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 Find Cheaper Mazda 2 Insurance
Finding cheaper rates on insurance for a Mazda 2 consists of being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Compare prices once a year by getting rate quotes from direct carriers, and also from insurance agencies where you live.
Below you'll find a condensed summary of the data that was touched on in this article.
- Drivers can save around $100 per year just by quoting online well ahead of the renewal date
- Insureds who purchase more liability protection will pay an extra $520 each year to raise from a 30/60 limit to the 250/500 level
- Youthful drivers are the costliest to insure, costing up to $322 each month if comprehensive and collision insurance is included
- Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,080 more per year than a low-risk driver
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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