Mazda 2 Car Insurance [Rates + Comparison Guide]

Mazda 2 insurance rates cost $95 per month ($1,142 per year). Shop around to find cheap Mazda 2 insurance rates. On average, Mazda 2 comprehensive insurance coverage costs $278, collision coverage costs $406, and liability coverage costs $322.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 24, 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 much cheaper than the average vehicle. Full coverage is barely $100 per month and liability-only coverage is $38 per month. Continue reading to learn more.

You can start comparing quotes for Mazda 2 insurance rates from some of the best auto insurance companies by using our free online tool now.

Mazda 2 Insurance Cost

The average Mazda 2 auto insurance costs 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 Volkswagen Golf, Ford Focus RS, and Volkswagen Golf R.

Vehicle Comprehensive Collision Liability Total
Volkswagen Golf $306 $600 $390 $1,454
Ford Focus RS $332 $656 $398 $1,544
Volkswagen Golf R $372 $660 $390 $1,580
Mitsubishi Mirage $244 $448 $398 $1,248
Honda Fit $268 $512 $258 $1,148
Volkswagen Beetle $280 $542 $332 $1,290
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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 auto 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
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Driver Age

Driver age can have a significant impact on the cost of Mazda 2 auto insurance. For example, 20-year-old drivers pay as much as $1,447 more each year for their Mazda 2 auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Mazda 2 insurance rates. For example, drivers in Los Angeles may pay $163 a year more than drivers in Houston.

Your Driving Record

Your driving record can have an impact on the cost of Mazda 2 auto insurance. Teens and drivers in their 20’s see the highest jump in their Mazda 2 auto insurance rates with violations on their driving record.

Mazda 2 Safety Ratings

Your Mazda 2 insurance rates are tied to the safety ratings of the Mazda 2. See the breakdown below:

Test Type Rating
Small overlap front: driver-side M
Small overlap front: passenger-side Not Tested
Moderate overlap front G
Side A
Roof strength G
Head restraints and seats A
Source: Insurance Institute for Highway Safety
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Mazda 2 Crash Test Ratings

Mazda 2 crash test ratings can impact the cost of your Mazda 2 auto insurance. See Mazda 2 crash test results below:

Vehicle Tested Overall Frontal Side Rollover
Mazda 2 N/R N/R N/R N/R
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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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:

  • Electronic Stability Control (ESC)
  • ABS And Driveline Traction Control
  • Side Impact Beams
  • Dual Stage Driver And Passenger Seat-Mounted Side Airbags
  • Low Tire Pressure Warning
  • Dual Stage Driver And Passenger Front Airbags
  • Curtain 1st And 2nd Row Airbags
  • Airbag Occupancy Sensor
  • Rear Child Safety Locks
  • Outboard Front Lap And Shoulder Safety Belts -inc: Rear Center 3 Point, Height Adjusters and Pretensioners

Mazda 2 Finance and Insurance Cost

When 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 insurance rates from the best companies using our FREE tool below.

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Ways to Save on Mazda 2 Insurance

You have more options at your disposal to save money on your Mazda 2 auto insurance costs. For example, try these five tips:

  • Ask About Mature Driver Discounts for Drivers Over 50
  • Choose a Mazda 2 with Cheaper Repair Costs
  • Understand that Insurance Companies Can’t Change Your Mazda 2 Auto Insurance Rate Mid-Term Based on Changes to Your Credit Score
  • Remove Young Drivers from Your Mazda 2 Insurance Plan
  • Move to the Countryside

Top Mazda 2 Insurance Companies

Who is the best auto 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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Save on your Mazda 2 insurance rates by taking advantage of our FREE comparison tool.

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