Mazda 2 Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: May 20, 2024
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Estimated insurance rates for a Mazda 2 are $942 a year including full coverage. Comprehensive insurance costs an estimated $140, collision insurance costs $170, and liability is $474. A policy with only liability insurance costs around $522 a year, and a high-risk policy costs $2,026 or more. Teens pay the most at up to $3,866 a year.
Average premium for full coverage: $942
Premium estimates broken down by type of coverage:
Prices are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different 2 trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Mazda 2 range from as low as $522 for just liability coverage to a much higher rate of $2,026 for a high-risk driver policy.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how geographic area affects insurance prices.
These rate differences highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, 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 breaks down average Mazda 2 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $578
- Raising to $1,000 deductibles will save approximately $72 every year
- The average rate for a 40-year-old good driver who has $500 deductibles is $942
- Selecting more expensive low deductibles will cost an extra $134 annually
- Drivers with serious driving violations could pay up to $2,026
- An auto insurance policy for full coverage for a 16-year-old driver with full coverage can cost as much as $3,866
Car insurance prices for a Mazda 2 also have a wide range based on your driving characteristics, the model of your 2, and liability limits and deductibles.
An older driver with no driving violations and high 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 good drivers will be charged at least $3,800 a year. View Rates by Age
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 $720 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,350 on average in Louisiana, New York, and Michigan.
| 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 can reduce prices by up to $210 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying $1,100 to $1,600 extra annually, depending on your age. High-risk driver insurance is expensive and can cost from 41% to 130% more than the average policy. View High Risk Driver Rates
| 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 Affordable Mazda 2 Insurance
Finding better rates on insurance for a Mazda 2 consists of being a low-risk driver, having above-average credit, refrain from filing small claims, and possibly higher deductibles. Invest the time to compare rates every time your policy renews by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The items below are a brief review of the information presented in the illustrations above.
- You may be able to save approximately $100 per year just by shopping early and online
- Teen drivers have the highest car insurance prices, with the cost nearing $322 per month if full coverage is included
- Increasing policy deductibles can save around $200 each year
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,080 more annually to insure their 2
- Insureds who want more liability coverage will pay approximately $520 per year to raise from 30/60 bodily injury limits to 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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