Are Mazda 2s Expensive to Insure? [Everything You Need to Know]

Mazda 2 insurance rates cost $1,142 a year, or $95 a month on average. A liability-only policy costs around $458 a year or $38 each month. Mazda 2 insurance costs around $377 less per year than the average vehicle. Good drivers can save up to $471 a year on these costs by earning discounts on their policy.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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 insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 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 about $377 less per year than the average vehicle with full coverage costing around $1,142 a year or $95 a month. Drivers of an older Mazda 2 may decide to get liability coverage only which averages $458 a year or $38 a month.

Good drivers can save up to $471 a year in policy discounts by being safe out on the roads. 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.

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 Ford Focus RS, Honda Fit, and Volkswagen Beetle.

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

Age of the Vehicle

Older Mazda 2 models generally cost less to insure. For example, car 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 effect on the cost of Mazda 2 car insurance. For example, a 20-year-old driver could pay around $116 more each month for their Mazda 2 car insurance than a 30-year-old driver.

Driver Location

Where you live can have a large impact on Mazda 2 insurance rates. For example, drivers in New York may pay $297 a year more than drivers in Chicago.

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 car insurance rates are tied to the safety ratings of the Mazda 2. 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
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Mazda 2 Crash Test Ratings

If the Mazda 2 crash test ratings are good, you could have lower Mazda 2 car insurance rates. See Mazda 2 crash test results below:

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
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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:

  • Frontal airbags
  • Side-impact and side curtain airbags
  • Stability control
  • Traction control
  • Front disc brakes and rear drum brakes with ABS
  • Electronic brake-force distribution
  • Brake assist

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 to get the best value possible. Below are five scenarios you can explore to help keep your Mazda 2 car insurance rates low.

  • Ask About Farm and Ranch Vehicle Discounts
  • Ask About Discounts for People with Disabilities
  • Be Picky About Who Drives Your Mazda 2
  • Ask About Student Discounts
  • Make Sure You Use an Accredited Driver Safety Program

Top Mazda 2 Insurance Companies

The best auto insurance companies for Mazda 2 car insurance rates will offer competitive rates, discounts, and account for the Mazda 2’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

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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