Mazda Mazda2 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Mazda Mazda2 is more affordable to insure than the average car.
• Full coverage insurance for a Mazda2 tends to be about $156 a month, on average, while liability only insurance normally comes in at around $68 per month.
• Aspire offers the lowest average rates for a Mazda2 with liability only coverage offered for as low as $29 a month.

Mazda2 Overview

The Mazda Mazda2 is a great car for drivers on a budget, with 2014 models starting at $14,720. With two different trim levels currently offered, you'll be sure to find an option to fit your style.

After analyzing thousands of auto insurance quotes through Compare.com, we've found that Mazda Mazda2 car insurance rates are about $136 per month, on average. Where does that fall compared to the rest of the market?

How Much is Car Insurance for a Mazda Mazda2?

Looking at the table above, you'll find that when you compare the Mazda Mazda2 to other vehicles, insurance premiums are right around average. On average, Mazda2 drivers can expect to pay about $68 monthly for liability insurance, and around $156 a month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).

Compared to other Mazda models, the Mazda2's insurance rate is matches the rest of the manufacturer's vehicle offerings. Compared to offerings from other brands, insurance for a Mazda2 is also more affordable, with liability only insurance prices coming in about 18% less and 12% less for full coverage.

When compared to all vehicles of any body type, the Mazda2 has more affordable rates than average for both liability only and full coverage car insurance.

Who has the Cheapest Car Insurance for a Mazda Mazda2?

If you're in the market for an auto insurance policy for a Mazda Mazda2, you may be wondering which company offers the lowest rates. While there will never be one carrier that offers the most affordable rates for everyone, the lowest average rates for liability only insurance are sometimes just $29 a month from Aspire. With car insurance sometimes as low as $32 per month, Fiesta is the next cheapest insurance company.

Ohio Mutual, FirstChicago, and Shelter Mutual round out the end of the top 5 list. However, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Mazda Mazda2.

Auto insurance companies use a bunch of variables and complex formulas to calculate rates. By reviewing quotes from multiple auto insurance carriers at once, you can guarantee you're finding the lowest rate.

What Factors Affect Car Insurance Rates for a Mazda Mazda2?

As we mentioned above, there are a whole range of factors that insurance companies take into account to decide how much they charge for car insurance -- and each carrier weighs different pieces more heavily than others, so there's not a singular company that's the cheapest for everyone.

Below are just a few of the things auto insurance carriers look at and how each one affects your final rate:

Vehicle Age

Mazda has been making the Mazda2 for quite some time, so the car's age may play a big role in how much you'll pay for insurance. Typically, it costs more to insure newer cars because they're worth more, but as they get older, insurance costs will gradually go down.

A new Mazda Mazda2 model hasn't been added to the market for over 5 years, so there isn't data to analyze this trend. However, as you can see in the table above, the cheapest Mazda Mazda2s to insure are those that are 1 year old or less, while the most expensive models are Mazda2s that are 6 to 7 and 8 to 10 years old, on average.

Your Age

Age makes a significant difference in how much auto insurance companies will charge you for a policy. As you can see in the table above, young Mazda2 drivers have higher premiums than drivers who have more experience on the road. In this case, drivers between 18 and 24 pay $46 more than those 25 or older.

Insurance prices continue to get lower as you get older, with the cheapest age group being 65 years and older for Mazda2 drivers.

Your Gender

You may not know, but car insurance is typically cheaper for women than it is for men. This is because men are more likely to get into collisions and get speeding tickets, which raises the chances of an insurance claim. The Mazda Mazda2 follows this convention, and women pay around 1% less than men monthly for auto insurance.

Where You Live

You may already know that variables like how old you are and what vehicle you drive play a role in your car insurance prices, but you may not realize that where you live can matter just as much. Since insurance is regulated on the state level rather than nationally, rates can vary quite a bit from state to state.

For example, the average Mazda Mazda2 driver in New York pays about $116 a month for liability coverage, while on average, the same Californian owner will pay less than half of that price. The table referenced above shows average premiums for the 10 largest states by population, just to give you a good idea of how much prices can change between states.

Mazda Mazda2 Car Insurance Discounts

Whatever how old you are, where you live, or what car you drive, it's always in your best interest to take advantage of as many auto insurance discounts as possible.

Even though all car insurance carriers offer their own unique discounts, there are a few that you'll find with most insurers. These include things like:

• Multi-policy discounts for getting both your home and auto policies from the same carrier
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Pay-in-full discounts for agreeing to pay your entire policy premium at once, rather than in monthly installments
• Multi-vehicle discounts for having several cars on your auto policy

But these aren't the only discounts insurance companies offer to their customers. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like avoiding lapses in coverage, not having recent insurance claims, and driving safely.

Even though you may not be able to control every factor auto insurance carriers examine to calculate premiums (like some of the ones mentioned above), there are quite a few that you do have control over. Below are just a few of the ones you can use in your favor in order to save on insurance:

Your Driving Record

You've most likely observed ads from car insurance companies promoting large discounts for responsible drivers. It makes sense that if you get a speeding ticket or get into an accident, insurance prices will get higher. But exactly how much can it cost you for these infractions?

According to the table above, accidents will usually cost Mazda2 drivers more than tickets, but both will result in higher than normal rates. Mazda Mazda2 drivers with a single ticket will pay about $69 monthly, while drivers with one accident on their record pay an average of $102 a month (up $34 from the $68/mo. overall average). Those with multiple violations of either kind will end up paying even more.

How Much You Drive

Another variable you have control over is how much you drive each year. Drivers who are on the roads less are less likely to get into accidents, so they'll usually be offered lower rates. Above, you can see that Mazda Mazda2 owners who drive between 2,500 and 5,000 miles pay $72 for auto insurance, while those who drive between 5,000 and 7,500 miles every year pay an average of $61 per month.

But if you don't use your Mazda Mazda2 to travel or commute regularly, it may be worth learning about usage-based or pay-per-mile car insurance. With these kinds of coverage, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

How Do Mazda Mazda2s Compare to Other Vehicles?

If you're thinking about making a Mazda Mazda2 your next vehicle, you're probably wondering how it compares to other vehicles. Car insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth thinking about carefully.

Take a look at the table below to see how the Mazda Mazda2 compares:

With an MSRP that's less than half of the going rate for a new vehicle, the Mazda Mazda2 is a great value for any budget. While the national average vehicle MSRP is $39,832, the Mazda2 starts at just $14,720. And since it's been a few years since a new Mazda2 model has been on the market, used prices are going to be even cheaper.

Liability insurance for a Mazda Mazda2 is around $8 per month less than average, while full coverage is $2 more monthly.

When it comes to usage, Mazda Mazda2 owners drive fewer miles annually than the national average, with 10,523 miles each year compared to 11,617 for all vehicles.

Mazda Mazda2 Car Insurance Costs by Model Year

Thus far, you've seen how different things have an impact on what you'll pay for auto insurance. But if you're in the market for a new car, truck, or SUV and the Mazda2 is on your wishlist, knowing what you can expect to pay for the specific vehicle you're looking at can be extremely helpful as you weigh your choices and compare it to other vehicles on your shortlist.

2014 Mazda Mazda2 Car Insurance

You can expect full coverage for a 2014 Mazda Mazda2 to run about $171 a month, while liability only coverage will average around $73 per month.

With premiums sometimes as little as $18 a month, Elephant offered the lowest policy we found.

If you want to find the best rates for car insurance for a 2014 Mazda Mazda2, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

2013 Mazda Mazda2 Car Insurance

It costs about $64 monthly for liability or $149 for a full coverage policy for the 2013 Mazda2.

SafeAuto has prices as little as just $22 per month for the 2013 Mazda Mazda2.

What will your auto insurance rate be? Just enter your ZIP code below to get lots of free customized quotes.

2012 Mazda Mazda2 Car Insurance

On average, drivers who own a 2012 Mazda Mazda2 can expect to pay $66 to $147 a month for liability only and full coverage car insurance, respectively.

Looking for the cheapest policy? StateAuto offered liability only coverage for as cheap as $23 per month.

If you want to know exactly how much you can expect to pay for your Mazda2, just enter your ZIP code below and get free quotes in minutes.

2011 Mazda Mazda2 Car Insurance

The average cost to insure a 2011 Mazda2 with liability only coverage is $71 monthly, while full coverage runs around $147 a month.

If you're looking for the lowest possible 2011 Mazda Mazda2 insurance policy, Liberty Mutual offered the most affordable policy we found, with rates as little as $19 per month.

Interested in just how much you'll pay? Enter your ZIP code below to get multiple customized quotes for free.

Mazda Mazda2 Insurance FAQs

Is a Mazda Mazda2 expensive to insure?

The Mazda Mazda2 is less expensive to insure compared to the average vehicle. Liability insurance runs an average of $68 monthly, while full coverage will cost you around $156.

How can I get the best price on car insurance for my Mazda Mazda2?

The only way to confirm you're getting the lowest price on insurance is to check prices regularly and compare quotes from a whole bunch of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from numerous companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Mazda Mazda2 affect my insurance premiums?

Have you heard the old adage that red cars cost more to insure before? Well, that's actually a myth. There are a wide array of factors auto insurance carriers use when they decide how much to charge you for car insurance, but the color of your Mazda2 is not one of them.

Do I need to have insurance before I buy a Mazda Mazda2?

You'll need to have valid insurance for your vehicle before you can legally drive your it off the dealership lot. Some dealerships may offer you an auto insurance policy as part of the car-buying process, but it's best to let your auto insurance company know before you buy.

What car insurance discounts can I get for my Mazda Mazda2?

There are multiple different discounts out there when it comes to car insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are more based on you than the Mazda Mazda2 you drive, but if your Mazda2 has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may qualify for certain discounts. The only way to find out is to talk with your insurance agent and ask about their list of discounts, since they differ quite a bit from carrier to carrier.