Mazda 2 Insurance Rates
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UPDATED: Jun 4, 2023
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The average insurance prices for a Mazda 2 are $972 every 12 months for full coverage insurance. Comprehensive costs around $150 a year, collision insurance costs $186, and liability is estimated at $478. Liability-only coverage costs approximately $526 a year, and high-risk coverage costs around $2,092. Teens cost the most to insure at up to $3,964 a year.
Average premium for full coverage: $972
Policy rates for type of insurance:
Prices are based on $500 deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and 2 trim levels.
Price Range Variability
For an average driver, Mazda 2 insurance rates range from the cheapest price of $526 for just liability insurance to a high of $2,092 for a high-risk insurance policy.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on auto insurance rates.
The examples above illustrate why it is important to get quotes for a specific zip code and their own driving history, instead of using averaged prices.
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 Details
The chart below illustrates average Mazda 2 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $593
- Choosing higher $1,000 deductibles can save about $896 each year
- The average price for a good driver age 40 using $500 deductibles is $972
- Selecting low $100 deductibles for comp and collision coverage increases the price to $1,118
- Unlucky drivers with serious driving violations could pay at least $2,092
- Policy cost to insure a teen driver can be $3,964 each year
Insurance rates for a Mazda 2 also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can save as much as $230 every year, while buying higher liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $430 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $3,900 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,200 to $1,700 additional every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 137% more than the average policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for Mazda 2 insurance prices. A good driver about age 40 could pay as low as $640 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,320 on average in Michigan, New York, and Florida.
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% |
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 Shop for Affordable Mazda 2 Insurance
Finding cheaper rates on car insurance takes not taking risks behind the wheel, having above-average credit, being claim-free, and deciding if full coverage is necessary. Take the time to compare rates at least every other year by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.
The following is a brief review of the car insurance concepts covered in the above illustrations.
- Higher risk drivers with DUI or reckless driving convictions may pay on average $1,120 more every year for 2 insurance
- It is possible to save up to $110 per year just by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $225 each year
- Policyholders who may need higher liability limits will pay approximately $530 annually to raise limits from a 30/60 limit to a 250/500 level
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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