Mazda 2 Insurance Rates

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UPDATED: May 20, 2024

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Estimated auto insurance rates for a Mazda 2 are $918 annually for full coverage. Comprehensive insurance costs around $132 a year, collision costs $154, and liability is $474. A liability-only policy costs around $522 a year, with high-risk insurance costing $1,974 or more. Teens pay the most at $3,792 a year or more.

Average premium for full coverage: $918

Premium estimates for type of coverage:

Comprehensive $132
Collision $154
Liability $474

Includes $500 physical damage deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all states and 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 as cheap as $522 for just liability coverage to a high of $1,974 for a driver required to buy high-risk insurance.

Liability Only $522
Full Coverage $918
High Risk $1,974

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $689
Small Cities $964
Large Cities $1,239

These rate differences show why it is important to compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based 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.

Detailed Rate Analysis

The chart below shows estimated Mazda 2 insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $565
  • Raising to $1,000 deductibles will save about $852 a year
  • The estimated rate for a 40-year-old good driver using $500 deductibles is $918
  • Selecting low $100 deductibles costs an additional $124 annually
  • Drivers with serious driving violations could pay at least $1,974 or more
  • An auto insurance policy with full coverage for a 16-year-old driver can be $3,792

View Chart as Image

Mazda 2 insurance cost comparison chart
Column chart showing full coverage Mazda 2 insurance prices range from $565 to $3,792

Auto insurance prices for a Mazda 2 also have a wide range based on the model of your 2, your driver profile, and deductibles and policy limits.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay as much as $3,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at least $1,100 to $1,600 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $190 annually, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Mazda 2 insurance prices. A middle-age driver might find prices as low as $610 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,310 on average in Michigan, Louisiana, and New York.

Mazda 2 Insurance Rates by State
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%

View Chart as Image

Mazda 2 insurance rates by U.S. city

With such a large range in prices, the only way to know your exact price is to get quotes from multiple companies. Every auto insurance company calculates prices differently, and quoted prices will be substantially different between companies.

Mazda 2 Insurance Rates by Model Year
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 Buy the Cheapest Mazda 2 Insurance

Finding better rates on insurance for a Mazda 2 consists of being a safe and courteous driver, having above-average credit, not filing small claims, and maximizing policy discounts. Set aside time to shop around at every policy renewal by requesting rates from direct carriers, and also from local independent and exclusive agents.

Below is a recap of the data raised in the charts and tables above.

  • Insureds who may need higher levels of liability will pay approximately $520 each year to raise from 30/60 bodily injury limits to higher 250/500 limits
  • Drivers can save up to $100 per year simply by quoting early and online
  • Increasing policy deductibles could save up to $200 each year
  • Teenage drivers are expensive to insure, as much as $316 per month if full coverage is included

Rates by Driver Age

Mazda 2 Insurance 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

Mazda 2 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,042
$250 $986
$500 $918
$1,000 $852

Full coverage, driver age 40

Rates by Liability Limit

Mazda 2 Insurance Rates with Different Liability Limits
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

Mazda 2 Insurance 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.

SR-22 Surcharge $122

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
Rate after discounts $565

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

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