Mazda 2 Insurance Rates
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UPDATED: May 20, 2024
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U.S. average insurance rates for a Mazda 2 are $942 a year for full coverage. Comprehensive costs around $140, collision costs $170, and liability is estimated at $474. A policy with just liability insurance costs approximately $522 a year, with coverage for high-risk drivers costing around $2,026. 16-year-old drivers pay the highest rates at $3,866 a year or more.
Average premium for full coverage: $942
Price estimates for individual coverage:
These estimates include $500 deductible amounts, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and for different 2 trim levels.
Price Range from Low to High
For an average driver, Mazda 2 insurance prices go from as low as $522 for liability-only coverage to a much higher rate of $2,026 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than congested cities.
The price range example below illustrates the effect of geographic area on auto insurance rates.
The ranges above show why anyone shopping for car insurance should get quotes for a specific zip code 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.
Additional Charts and Tables
The chart below shows estimated Mazda 2 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $578
- Choosing higher $1,000 deductibles can save about $72 a year
- The average rate for the average middle-age driver using $500 deductibles is $942
- Buying more expensive low deductibles for comp and collision coverage will increase the cost to $1,076
- Unlucky drivers with multiple tickets or accidents could pay at least $2,026 or more
- The price for full coverage for a teen driver with full coverage can be $3,866 each year
Insurance prices for a Mazda 2 are also quite variable based on your driving record, the trim level of your 2, and deductibles and policy limits.
An older driver with a clean driving record and high deductibles may pay as little as $900 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay as much as $3,800 a year. View Rates by Age
The state you live in plays a big part in determining prices for Mazda 2 insurance prices. A good driver about age 40 could pay as low as $620 a year in states like Idaho, Maine, and Iowa, or at least $1,350 on average in Michigan, Louisiana, and New York.
| 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% |
Opting for high physical damage deductibles can save as much as $210 every year, while increasing your policy's liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at least $1,100 to $1,600 extra each year, depending on your age. High-risk driver insurance ranges as much as 41% to 130% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the only way to know your exact price is to compare prices and see which company has the best price. Each auto insurer utilizes a different rate formula, so the prices may be quite different from one company to the next.
| 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 Cheap Mazda 2 Insurance
Getting lower rates on car insurance takes having a good driving record, maintaining good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Take the time to compare rates at least once a year by requesting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.
The next list is a brief summary of the primary concepts that were covered in the above illustrations.
- Drivers can save up to $100 per year simply by shopping early and online
- Higher risk drivers that tend to have accidents or serious violations may be required to pay an average of $1,080 more every year to buy Mazda 2 insurance
- Increasing physical damage deductibles can save around $200 each year
- Drivers age 20 and younger pay higher prices, with premiums as much as $322 a month for full coverage
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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