Mazda 2 Insurance Rates

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UPDATED: May 20, 2024

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Estimated insurance rates for a Mazda 2 are $942 a year with full coverage. Comprehensive insurance costs an estimated $140 a year, collision insurance costs $170, and liability costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs $2,026 or more. 16-year-old drivers pay the most at up to $3,866 a year.

Average premium for full coverage: $942

Premium estimates broken down by type of coverage:

Comprehensive $140
Collision $170
Liability $474

Rate estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and 2 trim levels.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Mazda 2 range from as low as $522 for just liability coverage to a high of $2,026 for a driver who requires high-risk insurance.

Liability Only $522
Full Coverage $942
High Risk $2,026

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than congested cities. The diagram below illustrates how your location can change insurance prices.

Rural Areas $707
Small Cities $989
Large Cities $1,272

These rate differences demonstrate why it is important to compare rates for a targeted area and risk profile, instead of 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 other coverage scenarios.

  • The best full coverage rate is $578
  • Drivers who choose higher $1,000 deductibles will pay approximately $870 annually
  • The average rate for a 40-year-old good driver who has $500 deductibles is $942
  • Buying low $100 deductibles for comprehensive and collision insurance will cost an extra $134 every year
  • Higher-risk drivers with multiple tickets or accidents could pay up to $2,026
  • An auto insurance policy for full coverage for a teen driver can cost as much as $3,866 a year

View Chart as Image

Mazda 2 insurance cost comparison chart
Column chart showing Mazda 2 insurance prices range from $578 to $3,866 for full coverage

Insurance prices for a Mazda 2 also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay at least $3,800 a year. View Rates by Age

Where you choose to live makes a big difference in Mazda 2 insurance prices. A 40-year-old driver could pay as low as $680 a year in states like Utah, Ohio, and New Hampshire, or at least $1,280 on average in New York, Michigan, and Florida.

Mazda 2 Insurance Rates by State
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%

View Chart as Image

Mazda 2 insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $210 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,100 to $1,600 extra annually, depending on your age. A high-risk auto insurance policy can cost as much as 41% to 130% more than the average rate. View High Risk Driver Rates

Mazda 2 Insurance Rates by Model Year
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 the Best Mazda 2 Insurance

Finding better rates on car insurance not only requires having a decent driving record, but also maintaining good credit, being claim-free, and deciding if full coverage is necessary. Invest the time to shop around at every other renewal by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following items are a brief recap of the concepts that were illustrated above.

  • Higher risk drivers who tend to receive serious violations may pay on average $1,080 more annually than a driver with a clean driving record
  • 16 to 18-year-old drivers are charged the highest prices, possibly costing $322 per month for full coverage
  • You may be able to save approximately $100 per year just by quoting early and online
  • Increasing policy deductibles can save around $200 each year
  • You may be able to save approximately $100 per year just by quoting early and online

Rates by Driver Age

Mazda 2 Insurance 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

Mazda 2 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,076
$250 $1,016
$500 $942
$1,000 $870

Full coverage, driver age 40

Rates by Liability Limit

Mazda 2 Insurance Rates with Different Liability Limits
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

Mazda 2 Insurance 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.

SR-22 Surcharge $125

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
Rate after discounts $578

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

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