How much is Mazda car insurance?
As always, the cost of your car insurance depends on many factors including:
- Where you live
- Your age
- Your job
For a deeper dive into exactly how car insurance is calculated, see our guide.
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 insurance costs.
Even the evergreen, open-top MX-5 can attract low cover costs for some drivers, according to our data. Average prices to insure some variants of the MX-5 are just £147*.
Getting cover for the Mazda3, the company’s Volkwagen Golf rival, looks reasonable too. Average comprehensive premiums for the Mazda3 SE-L Nav 120 sit at around £280.38* for some, depending on the usual insurance risk factors.
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. The average premium to insure an RX-8 230 Coupe is £1,512* according to our data.
As with other models, average insurance prices for the Mazda CX-5 vary. As an example though, the popular CX-5 Sport Nav+ comes in on average at £324* for a year of comprehensive insurance.
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, with an average top insurance price of £800.12*. The discontinued Demio supermini can be costly too, and has an average insurance cost of £1,074*.
Insurance costs for Mazda’s city car, the Mazda 2, tend to be competitive too. Fully comprehensive premiums average £251.74* for the Mazda 2 Red Edition 90, for instance.
*These prices are an average based on the model, and all our customer quotes from 12/07/22 – 12/10/22. This includes different locations, driving background and other factors. Your own quote could be cheaper or more expensive depending on your personal circumstances.
Who is Mazda?
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 3-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 deeply embedded in Mazda’s design DNA today.
Aesthetics is another priority for Mazda. From the budget Mazda2 to the larger SUVs, most Mazdas look sharp. And this doesn’t come at the cost of usability either, with Mazda enjoying a well-earned reputation for reliability and good driver ergonomics to boot.
A quick look at its interiors explains why: Mazda sticks to good old-fashioned rotary knobs over fancy but all-too-often unreliable touch screens. A choice made with usability in mind, maybe, but one that cuts down on distraction too, shoring up its reputation for driver safety.
It’s worth noting that small-yet-significant choices like this don’t hinder Mazda’s eye of innovation, either. Despite some initial scepticism, Mazda is turning towards electric power with more conviction. Its all-electric MX-30 is rakish and innovative, despite being held back somewhat by a limited range.
Electric car insurance is also getting cheaper as EVs become more mainstream, and most Mazda car insurance group ratings, even those its electric cars fall into, look reasonable. Generally, the mid-range models tend to be the best compromise for value, comfort and quality.
The Mazda3 is the Japanese company’s answer to the Volkswagen 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.
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 come equipped with 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 costs held down for many owners.
Our data shows average prices of around £223* for the Mazda MX-5 Kendo Roadster coupe, although special edition variants generally cost more to cover.
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 are 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-40s 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 tax charge on the 2.0 litre models.
If you’re after a good-looking SUV, the 5-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 are excellent ergonomics and high-quality interior materials abound. There are few gimmicks yet there’s a definite ‘feel good’ factor inside.
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.
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 4-wheel drive option is available on higher trim versions.
Car insurance guides
Car insurance statistics: 2023
With the UK car insurance industry increasing in size each year, we share all you need to know about the competitive car insurance providers and policies
Road closures for King Charles III's coronation: What you need to know
King Charles III's coronation is happening over the 6 May bank holiday weekend. People could be having street parties to celebrate, which mean road closures. Here's how to find out which roads are closed near you.
Cheapest cars to insure
We've looked at thousands of quotes to find the 10 cheapest cars to insure as well as the cheapest models to insure for young and new drivers.
Driving licence numbers explained
You can find your driving licence number on the front of your photocard driving licence. Having this number could reduce your car insurance costs too.
How to make a pothole claim
If your car has been damaged by a pothole, you may be able to claim compensation.