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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Written by
Mathew B. Sims
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Reviewed by
Daniel Walker
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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 |
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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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