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 with full coverage. Comprehensive insurance costs on average $132 each year, collision costs $154, and liability costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing $1,974 or more. Teens cost the most to insure at $3,792 a year or more.
Average premium for full coverage: $918
Policy rates by type of insurance:
Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and 2 models.
Price Range Variability
For an average driver, Mazda 2 insurance rates go from as low as $522 for the bare minimum liability coverage to a high rate of $1,974 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live can have significant affects on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than cities with more traffic congestion.
The graphic below illustrates the effect of geographic area on car insurance rates.
The examples above demonstrate why all drivers should compare prices based on a specific location and risk profile, 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.
Additional Rate Information
The chart below details estimated Mazda 2 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $565
- Using higher $1,000 deductibles will save around $66 annually
- The average rate for a good driver age 40 with $500 deductibles is $918
- Selecting low deductibles for physical damage coverage will cost an extra $124 every year
- Drivers with serious driving violations could pay upwards of $1,974 or more
- Policy cost for full coverage for a teen driver may cost $3,792 or more
Insurance rates for a Mazda 2 also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.
More mature drivers with no violations or accidents and high deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $3,700 a year. View Rates by Age
Your home state has a huge impact on Mazda 2 insurance prices. A driver around age 40 might see rates as low as $660 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,240 on average in Florida, Michigan, and New York.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $190 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,100 to $1,600 additional every year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 133% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison and see which company has the best rate. Each insurance company calculates rates differently, and rates will be varied from one company to the next.
| 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 Cheapest Mazda 2 Insurance
Finding cheaper rates on car insurance requires having a decent driving record, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Take the time to compare rates at least once a year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.
The following items are a recap of the primary concepts that were covered in the above illustrations.
- You may be able to save as much as $100 per year simply by quoting online in advance
- Higher risk drivers that have major violations or accidents may be required to pay an average of $1,060 more each year than a driver with a clean driving record
- Increasing comprehensive and collision deductibles can save around $200 each year
- 16 to 18-year-old drivers pay higher rates, as much as $316 each month including comprehensive and collision insurance
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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