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 prices for a Mazda 2 are $972 every 12 months for full coverage. Comprehensive insurance costs around $150, collision costs $186, and liability coverage is estimated at $478. Liability-only insurance costs approximately $526 a year, with high-risk driver insurance costing $2,092 or more. Teen drivers pay the highest rates at $3,964 a year or more.
Average premium for full coverage: $972
Price estimates for individual coverage:
Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for different 2 trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Mazda 2 insurance prices go from the cheapest price of $526 for a discount liability-only rate to a much higher rate of $2,092 for a driver required to buy high-risk insurance.
Geographic Price Range
Living in a larger city has a large influence on auto insurance rates. Areas with sparse population have more infrequent accident claims than larger metro areas.
The price range example below illustrates how rural and urban location affects auto insurance rates.
The ranges above show why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, rather than using 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.
Rates by State, City, and Model
The chart below shows estimated Mazda 2 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $593
- Choosing higher $1,000 deductibles can save about $76 a year
- The average price for the average middle-age driver using $500 deductibles is $972
- Choosing more expensive low deductibles for comp and collision coverage costs an extra $146 each year
- Drivers with multiple violations and an at-fault accident could pay at least $2,092 or more
- The price to insure a teenage driver with full coverage can be $3,964 each year
Car insurance prices for a Mazda 2 are also quite variable based on deductibles and policy limits, your driver profile, and the trim level and model year.
Choosing high deductibles can save as much as $230 a year, while increasing your policy's liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $430 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may only pay around $900 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged as much as $3,900 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at least $1,200 to $1,700 extra each year, depending on your age. High-risk driver insurance ranges around 43% to 137% more than average. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Mazda 2 insurance rates. A good driver about age 40 could pay as low as $640 a year in states like Idaho, Maine, and Iowa, or as much as $1,390 on average in Michigan, Louisiana, and New York.
| 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% |
Since prices can be so different, the only way to know your exact price is to compare prices and see how they stack up. Each auto insurer uses a different rate calculation, so rate quotes may be quite different.
| 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 Shop for the Best Cheap Mazda 2 Insurance
Getting lower rates on auto insurance takes avoiding accidents and violations, maintaining a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around at every policy renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The list below is a quick review of the data raised in the charts and tables above.
- Consumers who may need higher liability limits will pay about $530 each year to raise limits from a low limit to a 250/500 level
- Drivers can save up to $110 per year simply by shopping early and online
- Increasing physical damage deductibles could save as much as $225 each year
- Teenagers are the costliest to insure, with premiums as much as $330 a month if the policy includes full coverage
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
