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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Estimated insurance rates for a Mazda 2 are $942 a year for full coverage insurance. Comprehensive costs on average $140, collision costs $170, and liability insurance costs $474. A policy with only liability insurance costs as little as $522 a year, with a high-risk policy costing around $2,026. Teens pay the most at $3,866 a year or more.
Average premium for full coverage: $942
Premium estimates by type of coverage:
Price estimates include $500 deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and for different 2 trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Mazda 2 go from the low end price of $522 for basic liability insurance to a much higher rate of $2,026 for a high-risk driver policy.
Insurance Price Range by Location
Your location has a significant impact on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion.
The price range example below illustrates how rural and urban location affects car insurance rates.
These rate differences illustrate why anyone shopping for car insurance should compare rates based on a specific location, rather than relying on 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.
Rate Comparisons
The chart below illustrates estimated Mazda 2 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $578
- Drivers who choose higher $1,000 deductibles will pay around $72 each year
- The estimated price for a 40-year-old good driver with $500 deductibles is $942
- Selecting more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,076
- High risk drivers with serious driving violations could pay upwards of $2,026 or more
- An auto insurance policy that insures a teen driver with full coverage may cost $3,866 a year
Car insurance prices for a Mazda 2 also have a wide range based on the model year and trim level, your age and driving record, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are probably paying at a minimum $1,100 to $1,600 extra annually, depending on your age. High-risk driver insurance can cost anywhere from 41% to 130% more than the average policy. View High Risk Driver Rates
An older driver 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. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged upwards of $3,800 a year. View Rates by Age
Where you choose to live makes a big difference in Mazda 2 insurance rates. A 40-year-old driver could pay as low as $620 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,280 on average in Michigan, New York, and Florida.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $210 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out exactly what you will pay is to compare prices from as many companies as possible. Every company calculates prices differently, so rate quotes will be substantially different.
| 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 better rates on Mazda 2 insurance not only requires not taking risks behind the wheel, but also having a positive credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Compare rates every time your policy renews by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.
The following is a condensed summary of the information raised in the charts and tables above.
- It is possible to save as much as $100 per year simply by shopping early and online
- Teens are expensive to insure, with premiums being up to $322 per month if full coverage is purchased
- Increasing policy deductibles can save approximately $200 each year
- High-risk drivers with multiple at-fault accidents may pay on average $1,080 more each year for 2 insurance
- Drivers who require higher liability limits will pay approximately $520 annually to go from 30/60 bodily injury limits to the 250/500 level
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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