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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Average auto insurance rates for a Mazda 2 are $942 annually with full coverage. Comprehensive costs on average $140, collision insurance costs $170, and liability coverage is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs around $2,026. 16-year-old drivers receive the highest rates at up to $3,866 a year.
Average premium for full coverage: $942
Rate estimates by individual coverage type:
Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and for all 2 models.
Price Range by Coverage and Risk
For the normal driver, prices range range from as cheap as $522 for a discount liability-only rate to the much higher price of $2,026 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city has a large influence on auto insurance rates. Rural areas tend to have fewer collision claims than congested cities. The example below illustrates how geographic area affects car insurance rates.
These examples demonstrate why everyone should compare rates quotes based on a specific location and their own personal driving habits, rather than using rate 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.
Rates by State, City, and Model
The chart below details average Mazda 2 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $578
- Raising to $1,000 deductibles will save around $72 annually
- The estimated rate for a 40-year-old driver with $500 deductibles is $942
- Buying pricier low deductibles will cost $1,076
- Unlucky drivers with multiple tickets or accidents could pay upwards of $2,026
- The cost with full coverage for a teenage driver for full coverage may cost $3,866
Car insurance rates for a Mazda 2 can also vary considerably based on the trim level of your 2, your driving record, and policy deductibles and limits.
A more mature driver with no driving violations and high physical damage deductibles may only pay around $900 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged upwards of $3,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,100 to $1,600 extra per year, depending on your age. Mazda 2 insurance for high-risk drivers is expensive and can cost around 41% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $210 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Mazda 2 insurance rates. A middle-age driver might find rates as low as $680 a year in states like New Hampshire, Ohio, and Utah, or at least $1,280 on average in Florida, Michigan, and New York.
| 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% |
| 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 Low Cost Mazda 2 Insurance
Saving money on auto insurance consists of being safe and accident-free, having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Invest the time to compare rates every time your policy renews by requesting quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
Below you'll find a review of the information presented in the illustrations above.
- You may be able to save as much as $100 per year just by quoting online well ahead of the renewal date
- Youthful drivers are expensive to insure, with premiums as much as $322 per month if comprehensive and collision insurance is included
- Increasing deductibles could save up to $200 each year
- Drivers who have several accidents or serious violations pay an average of $1,080 more each year than a low-risk driver
- Consumers who require more liability protection will pay around $520 every year to raise from a minimum limit to higher 250/500 limits
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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