How much does a Mazda cost to insure?
Mazda is a bit of an ‘under the radar’ brand. On the insurance front, this could work in its favour. That’s partly because the brand often attracts slightly older drivers.
Car insurance companies base their prices on claims data and risk. So, Mazda models generally might score well due to the Japanese brand’s good reputation for safety. Mazda pioneered ‘active’ safety tech back in 2012 – a range of innovations that dealt with the risk of a collision.
So much of this good work could mean reasonable premiums. Even the evergreen, open-top MX-5 can attracts low cover costs for some drivers, according to our data. Average prices for some variants of the MX-5 could fall under £200*.
Insurance costs for Mazda’s city car, the Mazda2, tend to be competitive. Higher spec or sporty models might attract higher prices across the range due to their size and power.
Fully comprehensive premiums are on average £325* for a Mazda 2 SE-L NAV+ 90. As always, the cost of your car insurance depends on many factors – where you live, your age and job, amongst others. Some quotes may be lower or higher.
Getting cover for the Mazda3, the company’s Golf rival, looks reasonable too. Average comprehensive premiums for the Mazda3 SE-L sit at around £500* for some, depending on the usual insurance risk factors. So it’s always worth shopping around.
Mazda’s RX-8 tends to be rather more expensive to insure. This high-tech coupe ended production in 2012, and its exotic rotary engine made it expensive to maintain and repair.
As with other models, average insurance premiums for the Mazda CX-5 vary. As an example though, the popular CX-5 Sport Nav comes in on average at £376* for a year of comprehensive cover. But as ever, the price you pay is highly dependent on your circumstances.
Other Mazdas that might be pricey to insure include the discontinued MX-3, a small coupe, and the Demio supermini, also discontinued.
*These prices are an average based on the model, and all our customer quotes from 14/01/21 – 14/06/21. This includes different locations, driving background and other factors. Your own quote could be cheaper or more expensive depending on your personal circumstances.
All information on this page was last reviewed on 29/07/2021, see T&C.
Mazda history and facts
While Mazda is mostly known for its iconic MX-5 roadster, its roots stretch back to 1931.
Mazda’s first road-going vehicle was a single seat three-wheeler – the Mazda-Go. This powered rickshaw was highly tax-friendly and got Japan’s working classes moving.
It wasn’t until 1960 that Mazda produced its first car. The R360 was a delicate small coupe, powered by a tiny 356cc V-twin engine.
Unconventional yet attractive, it marked Mazda out as an engineering-led company that paid close attention to weight and handling. These priorities remain deep in Mazda’s design DNA today.
Aesthetics is another priority. From the budget Mazda2 to the larger SUVs, most Mazdas look sharp. There’s a well-earned reputation for reliability and an emphasis on good driver ergonomics.
We mention this as there’s a drift from car makers towards touch screen controls for radio, heating and ventilation. This means taking your eyes off the road too often.
Mazda sticks to good old-fashioned rotary knobs, which could be a safer option. It reduces the risk of being distracted when driving.
Despite some initial scepticism, Mazda is turning towards electric power with more conviction. Its all-electric MX-30 is rakish and innovative but remains held back by limited range.
Electric vehicles are also getting cheaper to insure as they get more mainstream. Most Mazda insurance group ratings look reasonable. Generally, the mid-range models tend to be the best compromise for value, comfort and quality.
Whatever Mazda you pick, make sure you get the right level of car insurance for your needs.
The Mazda3 is the Japanese company’s answer to the VW Golf. The 3 is better looking, though it’s a touch smaller inside than the VW.
Launched in 2019, most 3 models should prove economical to run long-term. There’s no diesel but the biggish petrol engines are frugal and smooth.
The base SE-L and better equipped SE-L Lux sit in insurance group 15. Versions further up the range might see their insurance group rise to 23. Most versions sit in the (2021) CO2 £155 tax band after the first year.
Inside the 3 it’s all clean minimalism and good ergonomics. The easy-to-use rotary dials for heating and ventilation work well here. No distracting, touch-screen faff here.
The interior quality is properly premium and the understated design should appeal to many.
Watch for the less-than-great rear visibility. If you carry regular long-legged passengers in the rear regularly, the Skoda Octavia might be a better bet.
All 3 models have excellent crash-safety avoidance tech, but front parking sensors aren’t standard on the base SE-L model. As with many cars, the low-to mid-price variants look the best overall value, pound-for-pound.
First, the world’s best-selling roadster might be relatively cheap to insure. But Mazda’s responsible customer profile keeps premiums held down for many owners.
Our data shows average premiums at around £200* for the Mazda MX-5, depending on the model. Special edition variants generally cost more to cover. Remember, premiums tend to be highly dependent on factors like where you live, your no-claims bonus and driving history.
While the fourth generation MX-5, launched in 2015, is a hoot to drive, it’s also safe. Mazda’s range of Skyactiv safety systems, some of which is optional – help keep you out of trouble.
Mazda’s Smart City Brake Support (SCBS) system helps MX-5 drivers avoid front collisions at lower speeds. It’s standard on every model apart from the base SE-L. Most MX-5s get Traffic Sign Recognition and Lane Departure Warning tech also.
If you want to keep your car insurance costs down, consider the standard 1.5 model over the 2.0 litre. The smaller engine capacity has enough zing for most and is more frugal. Most owners should see mid-forties mpg with little problem.
We know good safety equipment could help keep your costs down – and this lightweight sports car doesn’t skimp. But a reversing camera is only standard kit on the higher priced Sport Tech and GT Sport Tech models.
Overall, the MX-5 is absolutely cracking but watch that first year £555 tax charge on the 2.0 litre models.
If you’re after a good-looking SUV, the five-seater Mazda CX-5 should be on your list. While some SUVs can look a bit over-chunky, the CX-5 may hit the goldilocks ‘just right’ mark for you.
Bigger than a Seat Ateca but smaller than a Volvo XC40, the CX-5 cuts a dash too. There’s excellent ergonomics and high-quality interior materials abound. There are few gimmicks yet there’s a definite ‘feel good’ factor inside. All very soothing.
A base model CX-5 SE-L sits in insurance group 15. Some models rise to insurance group 24 in certain high-trim versions but mid-trim levels generally hover between groups 16-17. Some models can cost between £895 to £1,345 to tax in the first year.
Though beautifully finished inside and out, check the CX-5’s over-the-shoulder rear visibility. There’s a bit of a tradeoff here from this SUV’s rakish looks.
Unfortunately, there’s no hybrid version of the CX-5. A four-wheel drive option is available on higher trim versions.