Mazda 2 Insurance Rates
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UPDATED: Jun 4, 2023
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The average insurance rates for a Mazda 2 are $994 a year with full coverage. Comprehensive costs on average $156, collision costs $206, and liability is $474. A liability-only policy costs around $522 a year, with high-risk insurance costing around $2,136. Teen drivers cost the most to insure at $4,024 a year or more.
Average premium for full coverage: $994
Policy rates by type of insurance:
Prices are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for different 2 trim levels.
Price Range Variability
For a driver in their 40's, Mazda 2 insurance rates go from as low as $522 for your basic liability-only policy to a much higher rate of $2,136 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than larger metro areas.
The price range example below illustrates how location helps determine car insurance rates.
The examples above demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, instead of making a decision based on 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.
More Rate Information
The chart below details estimated Mazda 2 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $605
- Raising to $1,000 deductibles will save around $84 annually
- The average rate for a good driver age 40 with $500 deductibles is $994
- Choosing more expensive low deductibles will increase the cost to $1,148
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,136 or more
- Policy cost for full coverage for a 16-year-old driver with full coverage may cost $4,024
Car insurance rates for a Mazda 2 also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.
An older driver with no driving violations and high deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged upwards of $4,000 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 $720 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,340 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $898 | -$96 | -9.7% |
| Alaska | $760 | -$234 | -23.5% |
| Arizona | $822 | -$172 | -17.3% |
| Arkansas | $994 | -$0 | 0.0% |
| California | $1,130 | $136 | 13.7% |
| Colorado | $948 | -$46 | -4.6% |
| Connecticut | $1,020 | $26 | 2.6% |
| Delaware | $1,124 | $130 | 13.1% |
| Florida | $1,242 | $248 | 24.9% |
| Georgia | $916 | -$78 | -7.8% |
| Hawaii | $714 | -$280 | -28.2% |
| Idaho | $670 | -$324 | -32.6% |
| Illinois | $738 | -$256 | -25.8% |
| Indiana | $744 | -$250 | -25.2% |
| Iowa | $668 | -$326 | -32.8% |
| Kansas | $944 | -$50 | -5.0% |
| Kentucky | $1,354 | $360 | 36.2% |
| Louisiana | $1,468 | $474 | 47.7% |
| Maine | $612 | -$382 | -38.4% |
| Maryland | $818 | -$176 | -17.7% |
| Massachusetts | $794 | -$200 | -20.1% |
| Michigan | $1,724 | $730 | 73.4% |
| Minnesota | $830 | -$164 | -16.5% |
| Mississippi | $1,188 | $194 | 19.5% |
| Missouri | $880 | -$114 | -11.5% |
| Montana | $1,064 | $70 | 7.0% |
| Nebraska | $782 | -$212 | -21.3% |
| Nevada | $1,190 | $196 | 19.7% |
| New Hampshire | $714 | -$280 | -28.2% |
| New Jersey | $1,110 | $116 | 11.7% |
| New Mexico | $880 | -$114 | -11.5% |
| New York | $1,046 | $52 | 5.2% |
| North Carolina | $572 | -$422 | -42.5% |
| North Dakota | $812 | -$182 | -18.3% |
| Ohio | $686 | -$308 | -31.0% |
| Oklahoma | $1,020 | $26 | 2.6% |
| Oregon | $908 | -$86 | -8.7% |
| Pennsylvania | $948 | -$46 | -4.6% |
| Rhode Island | $1,322 | $328 | 33.0% |
| South Carolina | $898 | -$96 | -9.7% |
| South Dakota | $838 | -$156 | -15.7% |
| Tennessee | $870 | -$124 | -12.5% |
| Texas | $1,196 | $202 | 20.3% |
| Utah | $734 | -$260 | -26.2% |
| Vermont | $680 | -$314 | -31.6% |
| Virginia | $594 | -$400 | -40.2% |
| Washington | $768 | -$226 | -22.7% |
| West Virginia | $908 | -$86 | -8.7% |
| Wisconsin | $688 | -$306 | -30.8% |
| Wyoming | $884 | -$110 | -11.1% |
Choosing high deductibles can reduce rates by up to $240 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,200 to $1,700 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 135% more than average. View High Risk Driver Rates
Because rates have so much variability, the best way to find out exactly what you will pay is to compare rates from multiple companies. Every auto insurance company uses a different rate calculation, so rate quotes will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2013 Mazda 2 | $172 | $236 | $464 | $1,030 |
| 2012 Mazda 2 | $168 | $220 | $474 | $1,020 |
| 2011 Mazda 2 | $156 | $206 | $474 | $994 |
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 Affordable Mazda 2 Insurance
Finding cheaper rates on insurance for a Mazda 2 consists of having a good driving record, having above-average credit, not filing small claims, and maximizing policy discounts. Invest time comparing rates every other policy renewal by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.
The next list is a brief review of the ideas that were covered in the charts and tables above.
- Drivers age 20 and younger are expensive to insure, as much as $335 each month if full coverage is included
- Drivers considered higher risk with DUI or reckless driving convictions may be required to pay an average of $1,140 more each year to buy Mazda 2 insurance
- Increasing comprehensive and collision deductibles can save around $250 each year
- You may be able to save as much as $110 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,024 |
| 20 | $2,270 |
| 30 | $1,006 |
| 40 | $994 |
| 50 | $910 |
| 60 | $892 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,148 |
| $250 | $1,076 |
| $500 | $994 |
| $1,000 | $910 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $994 |
| 50/100 | $1,089 |
| 100/300 | $1,207 |
| 250/500 | $1,515 |
| 100 CSL | $1,136 |
| 300 CSL | $1,397 |
| 500 CSL | $1,587 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,662 |
| 20 | $3,620 |
| 30 | $2,150 |
| 40 | $2,136 |
| 50 | $2,044 |
| 60 | $2,022 |
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 | $50 |
| Multi-vehicle | $54 |
| Homeowner | $18 |
| 5-yr Accident Free | $60 |
| 5-yr Claim Free | $62 |
| Paid in Full/EFT | $35 |
| Advance Quote | $43 |
| Online Quote | $67 |
| Total Discounts | $389 |
Discounts are estimated and may not be available from every company or in every state.
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