Mazda 2 Insurance Rates

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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: Jun 4, 2023

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The average insurance prices for a Mazda 2 are $972 every 12 months for full coverage insurance. Comprehensive costs around $150 a year, collision insurance costs $186, and liability is estimated at $478. Liability-only coverage costs approximately $526 a year, and high-risk coverage costs around $2,092. Teens cost the most to insure at up to $3,964 a year.

Average premium for full coverage: $972

Policy rates for type of insurance:

Comprehensive $150
Collision $186
Liability $478

Prices are based on $500 deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and 2 trim levels.

Price Range Variability

For an average driver, Mazda 2 insurance rates range from the cheapest price of $526 for just liability insurance to a high of $2,092 for a high-risk insurance policy.

Liability Only $526
Full Coverage $972
High Risk $2,092

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $729
Small Cities $1,021
Large Cities $1,312

The examples above illustrate why it is important to get quotes for a specific zip code and their own driving history, instead of using 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.

More Rate Details

The chart below illustrates average Mazda 2 insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $593
  • Choosing higher $1,000 deductibles can save about $896 each year
  • The average price for a good driver age 40 using $500 deductibles is $972
  • Selecting low $100 deductibles for comp and collision coverage increases the price to $1,118
  • Unlucky drivers with serious driving violations could pay at least $2,092
  • Policy cost to insure a teen driver can be $3,964 each year

View Chart as Image

Mazda 2 insurance cost comparison chart
Column chart showing Mazda 2 insurance rates range from $593 to $3,964 for full coverage

Insurance rates for a Mazda 2 also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $230 every year, while buying higher liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $430 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $3,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,200 to $1,700 additional every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 137% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Mazda 2 insurance prices. A good driver about age 40 could pay as low as $640 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,320 on average in Michigan, New York, and Florida.

Mazda 2 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $880 -$92 -9.5%
Alaska $746 -$226 -23.3%
Arizona $808 -$164 -16.9%
Arkansas $972 -$0 0.0%
California $1,108 $136 14.0%
Colorado $930 -$42 -4.3%
Connecticut $1,002 $30 3.1%
Delaware $1,100 $128 13.2%
Florida $1,216 $244 25.1%
Georgia $898 -$74 -7.6%
Hawaii $698 -$274 -28.2%
Idaho $658 -$314 -32.3%
Illinois $724 -$248 -25.5%
Indiana $732 -$240 -24.7%
Iowa $656 -$316 -32.5%
Kansas $926 -$46 -4.7%
Kentucky $1,328 $356 36.6%
Louisiana $1,440 $468 48.1%
Maine $600 -$372 -38.3%
Maryland $802 -$170 -17.5%
Massachusetts $778 -$194 -20.0%
Michigan $1,692 $720 74.1%
Minnesota $814 -$158 -16.3%
Mississippi $1,164 $192 19.8%
Missouri $864 -$108 -11.1%
Montana $1,046 $74 7.6%
Nebraska $766 -$206 -21.2%
Nevada $1,168 $196 20.2%
New Hampshire $700 -$272 -28.0%
New Jersey $1,088 $116 11.9%
New Mexico $860 -$112 -11.5%
New York $1,024 $52 5.3%
North Carolina $560 -$412 -42.4%
North Dakota $796 -$176 -18.1%
Ohio $672 -$300 -30.9%
Oklahoma $1,000 $28 2.9%
Oregon $890 -$82 -8.4%
Pennsylvania $930 -$42 -4.3%
Rhode Island $1,298 $326 33.5%
South Carolina $880 -$92 -9.5%
South Dakota $822 -$150 -15.4%
Tennessee $852 -$120 -12.3%
Texas $1,174 $202 20.8%
Utah $722 -$250 -25.7%
Vermont $668 -$304 -31.3%
Virginia $582 -$390 -40.1%
Washington $752 -$220 -22.6%
West Virginia $890 -$82 -8.4%
Wisconsin $672 -$300 -30.9%
Wyoming $868 -$104 -10.7%

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
2013 Mazda 2 $168 $220 $474 $1,020
2012 Mazda 2 $156 $206 $474 $994
2011 Mazda 2 $150 $186 $478 $972

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 Shop for Affordable Mazda 2 Insurance

Finding cheaper rates on car insurance takes not taking risks behind the wheel, having above-average credit, being claim-free, and deciding if full coverage is necessary. Take the time to compare rates at least every other year by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following is a brief review of the car insurance concepts covered in the above illustrations.

  • Higher risk drivers with DUI or reckless driving convictions may pay on average $1,120 more every year for 2 insurance
  • It is possible to save up to $110 per year just by quoting early and online
  • Increasing comprehensive and collision deductibles could save as much as $225 each year
  • Policyholders who may need higher liability limits will pay approximately $530 annually to raise limits from a 30/60 limit to a 250/500 level

Rates by Driver Age

Mazda 2 Insurance Rates by Driver Age
Driver Age Premium
16 $3,964
20 $2,222
30 $986
40 $972
50 $896
60 $874

Full coverage, $500 deductibles

Rates by Deductible

Mazda 2 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,118
$250 $1,052
$500 $972
$1,000 $896

Full coverage, driver age 40

Rates by Liability Limit

Mazda 2 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $972
50/100 $1,068
100/300 $1,187
250/500 $1,498
100 CSL $1,115
300 CSL $1,378
500 CSL $1,570

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda 2 Insurance Rates for High Risk Drivers
Age Premium
16 $5,574
20 $3,544
30 $2,106
40 $2,092
50 $2,004
60 $1,982

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 $130

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $49
Multi-vehicle $53
Homeowner $18
5-yr Accident Free $57
5-yr Claim Free $61
Paid in Full/EFT $34
Advance Quote $42
Online Quote $65
Total Discounts $379
Rate after discounts $593

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

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