Mazda 2 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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: May 20, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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:

Comprehensive $140
Collision $170
Liability $474

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.

Liability Only $522
Full Coverage $942
High Risk $2,026

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.

Rural Areas $707
Small Cities $989
Large Cities $1,272

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

View Chart as Image

Mazda 2 insurance cost comparison chart
Column chart showing Mazda 2 insurance prices range from $578 to $3,866 for full coverage

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.

Mazda 2 Insurance Rates by State
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%

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
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

Rates by Driver Age

Mazda 2 Insurance 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

Mazda 2 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,076
$250 $1,016
$500 $942
$1,000 $870

Full coverage, driver age 40

Rates by Liability Limit

Mazda 2 Insurance Rates with Different Liability Limits
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

Mazda 2 Insurance 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.

SR-22 Surcharge $125

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
Rate after discounts $578

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles