Mazda 2 Insurance Rates [Guide + Free Quotes]
Mazda 2 insurances rates are $95/mo for full coverage and $38/mo for liability-only policies. Take a look at the table below for a list of Mazda 2 insurance costs by age and compare rates by entering your zip code below to start saving money on your Mazda 2 insurance coverage.
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Written by
D. Gilson, PhD
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Reviewed by
Leslie Kasperowicz
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UPDATED: Jul 30, 2020
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Key takeaways:
- Full coverage costs around $1,142 a year or $95 each month
- A liability-only policy costs around $458 a year or $38 each month
- Highest rates are for teenage drivers at around $4,174 a year or $348 each month
- Good drivers can save as much as $471 a year by earning policy discounts
- Mazda 2 insurance costs around $377 less per year than the average vehicle
Mazda 2 insurance rates are considerably less than the average vehicle with full coverage costing about $1,142 a year or $95 a month. Liability-only coverage is about $458 a year or $38 a month, and teen drivers will pay the most at around $4,174 a year or $348 a month as high-risk drivers. Let’s look at Mazda 2 insurance rates, safety features, and more.
You can start comparing quotes for Mazda 2 car insurance rates from some of the best car insurance companies by using our free online tool now.
Table of Contents
Mazda 2 Insurance Cost
The average Mazda 2 car insurance rates are $1,142 a year or $95 a month.
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Are Mazda 2s Expensive to Insure?
The chart below details how Mazda 2 insurance rates compare to other subcompact hatchbacks like the Honda Fit, Ford Focus RS, and Mitsubishi Mirage.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Honda Fit | $268 | $512 | $258 | $1,148 |
| Ford Focus RS | $332 | $656 | $398 | $1,544 |
| Mitsubishi Mirage | $244 | $448 | $398 | $1,248 |
| Volkswagen Golf | $306 | $600 | $390 | $1,454 |
| Volkswagen Golf R | $372 | $660 | $390 | $1,580 |
| Volkswagen Beetle | $280 | $542 | $332 | $1,290 |
However, there are a few things you can do to find the cheapest Mazda insurance rates online.
What Impacts the Cost of Mazda 2 Insurance?
The Mazda 2 trim and model you choose can impact the total price you will pay for Mazda 2 insurance coverage.
Age of the Vehicle
Older Mazda 2 models generally cost less to insure. For example, auto insurance for a 2014 Mazda 2 costs $1,142, while 2011 Mazda 2 insurance costs are $1,048, a difference of $94.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2014 Mazda 2 | $206 | $326 | $452 | $1,142 |
| 2013 Mazda 2 | $198 | $306 | $456 | $1,118 |
| 2012 Mazda 2 | $190 | $274 | $460 | $1,082 |
| 2011 Mazda 2 | $178 | $252 | $460 | $1,048 |
Driver Age
Driver age can have a significant impact on Mazda 2 auto insurance rates. For instance, a 30-year-old driver may pay $50 more each year for Mazda 2 auto insurance than a 40-year-old driver.
Driver Location
Where you live can have a large impact on Mazda 2 insurance rates. For example, drivers in Los Angeles may pay $982 a year more than drivers in Indianapolis.
Your Driving Record
Your driving record can have an impact on your Mazda 2 car insurance rates. Teens and drivers in their 20’s see the highest jump in their Mazda 2 car insurance with violations on their driving record.
Mazda 2 Safety Ratings
Your Mazda 2 auto insurance rates are tied to the Mazda 2’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Marginal |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| Moderate overlap front | Good |
| Side | Acceptable |
| Roof strength | Good |
| Head restraints and seats | Acceptable |
| Source: Insurance Institute for Highway Safety | |
Mazda 2 Crash Test Ratings
Mazda 2 crash test ratings will affect your Mazda 2 car insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| Mazda 2 | 5 | 5 | 5 | 4 |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Mazda 2 Safety Features
The more safety features you have on your Mazda 2, the more likely it is that you can earn a discount. The Mazda 2’s safety features include:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- Front Disc/Rear Drum Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Traction Control
Mazda 2 Finance and Insurance Cost
If you are financing a Mazda 2, most lenders will require your carry higher Mazda 2 coverage options including comprehensive coverage, so be sure to shop around and compare Mazda 2 auto insurance quotes from the best auto insurance companies using our FREE tool below.
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Ways to Save on Mazda 2 Insurance
There are many ways that you can save on Mazda 2 car insurance. Below are five actions you can take to find cheap Mazda 2 auto insurance rates.
- Use a Service Like Turo to Rent Out Your Mazda 2
- Buy An Older Mazda 2
- Consider Using a Tracking Device on Your Mazda 2
- Take Advantage of Referral Fees
- Take a Defensive Driving Course or Any Driver’s Education Course
Top Mazda 2 Insurance Companies
Who is the top car insurance company for Mazda 2 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Mazda 2 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Mazda 2 offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | GEICO | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
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