Mazda 2 Insurance Rates
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Michelle Robbins
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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...
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UPDATED: May 20, 2024
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Average auto insurance rates for a Mazda 2 are $918 annually with full coverage. Comprehensive costs around $132 a year, collision insurance costs $154, and liability coverage is estimated at $474. Liability-only coverage costs approximately $522 a year, and high-risk coverage costs around $1,974. 16-year-old drivers receive the highest rates at up to $3,792 a year.
Average premium for full coverage: $918
Rate estimates for individual coverage type:
Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and 2 trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as cheap as $522 for just liability coverage to a high of $1,974 for a policy for a high-risk driver.
Price Range by Location
Living in a larger city has a large influence on insurance rates. Areas with sparse population tend to have fewer collision claims than congested cities. The diagram below illustrates the difference location can make on auto insurance rates.
These examples demonstrate why it is important to get quotes for a specific zip code 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.
Detailed Rate Analysis
The chart below details average Mazda 2 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $565
- Choosing higher $1,000 deductibles can save about $852 annually
- The estimated rate for a 40-year-old driver using $500 deductibles is $918
- Buying low $100 deductibles for comp and collision coverage will cost $1,042
- Drivers with multiple tickets or accidents could pay at least $1,974
- The cost with full coverage for a teenage driver can be $3,792 each year
Car insurance rates for a Mazda 2 can also vary considerably based on the trim level of your 2, your driving record, and deductibles and policy limits.
Older drivers with no driving violations and high physical damage deductibles may only pay around $900 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged as much as $3,700 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at least $1,100 to $1,600 extra per year, depending on your age. A high-risk auto insurance policy ranges around 42% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $190 a year, while buying higher liability limits will increase rates. 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 plays a big part in determining prices for Mazda 2 insurance rates. A good driver about age 40 could pay as low as $660 a year in states like New Hampshire, Ohio, and Utah, or 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% |
| 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 Affordable Mazda 2 Insurance
Saving money on auto insurance takes avoiding accidents and violations, having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Make time to compare rates every year by getting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
The list below is a brief review of the coverage data touched on in this article.
- You may be able to save up to $100 per year just by quoting early and online
- Increasing deductibles could save up to $200 each year
- Teenagers are the costliest to insure, with premiums as much as $316 per month if comprehensive and collision insurance is included
- Drivers with DUI or reckless driving convictions may pay on average $1,060 more every year for car 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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