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 $918 a year for full coverage insurance. Comprehensive insurance costs around $132 a year, collision insurance costs $154, and liability insurance costs $474. A liability-only policy costs as little as $522 a year, and high-risk insurance costs $1,974 or more. Teenage drivers cost the most to insure at up to $3,792 a year.
Average premium for full coverage: $918
Policy rates for type of insurance:
Rate estimates include $500 deductible amounts, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and 2 trim levels.
Price Range Variability
For a driver in their 40's, Mazda 2 insurance rates range from the low end price of $522 for just liability coverage to a high of $1,974 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates how location helps determine auto insurance rates.
The examples above illustrate why it is important to compare rates for a specific zip code, rather than relying 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.
Detailed Rate Analysis
The chart below illustrates average Mazda 2 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $565
- Drivers who choose higher $1,000 deductibles will pay about $852 each year
- The estimated price for a good driver age 40 using $500 deductibles is $918
- Using low $100 deductibles for comprehensive and collision insurance will cost an additional $124 a year
- High risk drivers who are prone to accidents and violations could pay at least $1,974
- Policy cost that insures a teen driver can be $3,792 a year
Car insurance rates for a Mazda 2 also range considerably based on the trim level of your 2, your age and driving record, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,100 to $1,600 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $3,700 a year. View Rates by Age
Your home state makes a big difference in Mazda 2 insurance rates. A 40-year-old driver could pay as low as $600 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,240 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $832 | -$86 | -9.4% |
| Alaska | $704 | -$214 | -23.3% |
| Arizona | $762 | -$156 | -17.0% |
| Arkansas | $918 | -$0 | 0.0% |
| California | $1,046 | $128 | 13.9% |
| Colorado | $878 | -$40 | -4.4% |
| Connecticut | $944 | $26 | 2.8% |
| Delaware | $1,040 | $122 | 13.3% |
| Florida | $1,152 | $234 | 25.5% |
| Georgia | $846 | -$72 | -7.8% |
| Hawaii | $662 | -$256 | -27.9% |
| Idaho | $620 | -$298 | -32.5% |
| Illinois | $684 | -$234 | -25.5% |
| Indiana | $690 | -$228 | -24.8% |
| Iowa | $620 | -$298 | -32.5% |
| Kansas | $874 | -$44 | -4.8% |
| Kentucky | $1,252 | $334 | 36.4% |
| Louisiana | $1,358 | $440 | 47.9% |
| Maine | $568 | -$350 | -38.1% |
| Maryland | $758 | -$160 | -17.4% |
| Massachusetts | $736 | -$182 | -19.8% |
| Michigan | $1,596 | $678 | 73.9% |
| Minnesota | $768 | -$150 | -16.3% |
| Mississippi | $1,100 | $182 | 19.8% |
| Missouri | $816 | -$102 | -11.1% |
| Montana | $986 | $68 | 7.4% |
| Nebraska | $724 | -$194 | -21.1% |
| Nevada | $1,102 | $184 | 20.0% |
| New Hampshire | $662 | -$256 | -27.9% |
| New Jersey | $1,026 | $108 | 11.8% |
| New Mexico | $814 | -$104 | -11.3% |
| New York | $968 | $50 | 5.4% |
| North Carolina | $528 | -$390 | -42.5% |
| North Dakota | $752 | -$166 | -18.1% |
| Ohio | $634 | -$284 | -30.9% |
| Oklahoma | $944 | $26 | 2.8% |
| Oregon | $842 | -$76 | -8.3% |
| Pennsylvania | $878 | -$40 | -4.4% |
| Rhode Island | $1,224 | $306 | 33.3% |
| South Carolina | $832 | -$86 | -9.4% |
| South Dakota | $776 | -$142 | -15.5% |
| Tennessee | $806 | -$112 | -12.2% |
| Texas | $1,108 | $190 | 20.7% |
| Utah | $680 | -$238 | -25.9% |
| Vermont | $630 | -$288 | -31.4% |
| Virginia | $550 | -$368 | -40.1% |
| Washington | $712 | -$206 | -22.4% |
| West Virginia | $842 | -$76 | -8.3% |
| Wisconsin | $638 | -$280 | -30.5% |
| Wyoming | $820 | -$98 | -10.7% |
Using high physical damage deductibles could save up to $190 each year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2014 Mazda 2 | $156 | $206 | $474 | $994 |
| 2013 Mazda 2 | $150 | $186 | $478 | $972 |
| 2012 Mazda 2 | $140 | $170 | $474 | $942 |
| 2011 Mazda 2 | $132 | $154 | $474 | $918 |
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 the Best Mazda 2 Insurance
Finding cheaper rates on Mazda 2 insurance not only requires having a good driving record, but also having a positive credit history, being claim-free, and consideration of higher deductibles. Compare prices every time your policy renews by getting quotes from direct insurance companies, and also from insurance agencies where you live.
The next list is a brief recap of the information covered in the charts and tables above.
- It is possible to save up to $100 per year just by quoting early and online
- Drivers age 20 and younger are the costliest to insure, possibly costing $316 each month if full coverage is purchased
- Increasing comprehensive and collision deductibles can save approximately $200 each year
- High-risk drivers who tend to receive serious violations could be forced to pay on average $1,060 more every year to buy Mazda 2 insurance
- Drivers who may need increased levels of liability coverage will pay an extra $520 annually to go from a 30/60 limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,792 |
| 20 | $2,100 |
| 30 | $928 |
| 40 | $918 |
| 50 | $844 |
| 60 | $826 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,042 |
| $250 | $986 |
| $500 | $918 |
| $1,000 | $852 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $918 |
| 50/100 | $1,013 |
| 100/300 | $1,131 |
| 250/500 | $1,439 |
| 100 CSL | $1,060 |
| 300 CSL | $1,321 |
| 500 CSL | $1,511 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,320 |
| 20 | $3,348 |
| 30 | $1,982 |
| 40 | $1,974 |
| 50 | $1,890 |
| 60 | $1,870 |
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 | $46 |
| Multi-vehicle | $50 |
| Homeowner | $17 |
| 5-yr Accident Free | $52 |
| 5-yr Claim Free | $57 |
| Paid in Full/EFT | $31 |
| Advance Quote | $39 |
| Online Quote | $61 |
| Total Discounts | $353 |
Discounts are estimated and may not be available from every company or in every state.
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