Mazda 2 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 4, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average insurance rates for a Mazda 2 are $972 a year for full coverage insurance. Comprehensive costs an estimated $150, collision costs $186, and liability costs $478. Liability-only coverage costs as little as $526 a year, with high-risk coverage costing around $2,092. Teen drivers pay the highest rates at $3,964 a year or more.
Average premium for full coverage: $972
Price estimates broken down by individual coverage:
Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for all 2 models.
Price Range from Low to High
For an average driver, Mazda 2 insurance prices go from as low as $526 for the bare minimum liability coverage to the much higher price of $2,092 for a driver who requires high-risk insurance.
Geographic Price Range
Your location can make a big difference on the price of insurance. More rural locations have a lower frequency of physical damage claims than larger metro areas.
The example below illustrates the effect of geographic area on insurance prices.
The ranges above illustrate why everyone should compare rates for a targeted area and risk profile, instead of making a decision based on price 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.
Additional Rate Information
The chart below illustrates estimated Mazda 2 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $593
- Drivers who choose higher $1,000 deductibles will pay approximately $76 each year
- The average rate for the average middle-age driver who has $500 deductibles is $972
- Choosing pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,118
- Drivers with multiple violations and an at-fault accident could pay up to $2,092 or more
- The price for full coverage for a 16-year-old driver for full coverage can cost as much as $3,964 a year
Auto insurance prices for a Mazda 2 are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.
A more mature driver with a good driving record and high deductibles may pay as low as $900 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay at least $3,900 a year. View Rates by Age
The state you live in makes a big difference in Mazda 2 insurance prices. A 40-year-old driver could pay as low as $640 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,320 on average in Florida, New York, and Michigan.
| 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% |
Choosing high deductibles could save up to $230 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $430 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying $1,200 to $1,700 in extra premium each year, depending on your age. Mazda 2 insurance for high-risk drivers can cost from 43% to 137% more than average. View High Risk Driver Rates
Since prices can be so different, the only way to figure out which car insurance is cheapest is to regularly compare prices from multiple companies. Every company uses a different rate calculation, and quoted prices may be quite different from one company to the next.
| 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 Find the Right Mazda 2 Insurance
Getting lower rates on insurance for a Mazda 2 not only requires being a good driver, but also having good credit, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates at every other renewal by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
The following list is a quick rundown of the concepts that were covered in the above illustrations.
- Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,120 more annually than a safer driver
- Drivers age 16 to 20 are the costliest to insure, as much as $330 a month if they have full coverage
- It is possible to save approximately $110 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $225 each year
- It is possible to save approximately $110 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,118 |
| $250 | $1,052 |
| $500 | $972 |
| $1,000 | $896 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
