Mazda car insurance

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1Correct as of March 2024

How much does a Mazda cost to insure?

The cost of your car insurance will depend on different risk factors, including your age, location and driving history. The Mazda model you drive will also have an impact.

Here's the average cost of comprehensive car insurance for some popular models:

Model Average price*
Mazda 2 Tamura
£908
Mazda 2 TS
£1,227
Mazda CX-5
£522
Mazda 3 TS
£1,220
Mazda 2 Sport
£1,150

1Based on Confused.com data September - February 2024.

What affects the price of car insurance?

Insurers base their prices on several risk factors, such as:

Your age and driving experience: Generally, the younger you are, the less experience you have on the road. This means that you're statistically more likely to be involved in road accidents. As a result, you'll see higher insurance costs than drivers with more experience.

Your car: Insurers categorise cars into insurance groups from 1-50. The higher the group, the more insurance will cost. This is because cars in higher groups tend to be more costly to repair or replace. Mazda models fall in groups 12-39. Modifications will also increase your insurance cost.

Where you live: Living in a built-up area with high vehicle crime rates will result in higher insurance costs compared to quiet, rural areas that have lower risk.

Your no-claims bonus (NCB): Each year you're insured without making a claim, you get a year added to your NCB. The larger your NCB, the bigger the discount you could get on your car insurance.

How can I save on my Mazda car insurance?

  • Estimate your mileage accurately. The more miles you drive per year, the more you'll pay for car insurance. Accurately estimating your mileage will mean you're not paying for miles you don't drive. On average, our customers drive 6,621 miles per year3. A pay-as-you-go policy may be beneficial if you don't drive many miles.
  • Avoid auto-renewal and shop around. You don't have to accept the renewal price your insurer offers. Shopping around may mean you get a better deal. Comparing quotes is the easiest way to see if you're getting the best price for your cover.
  • Add a named driver with a good driving history. This can be useful for young drivers who face higher prices due to lack of experience. However, you should be truthful about who the main driver is. If you mislead your insurance company, this is known as 'fronting', which is illegal.
  • Increase your voluntary excess. The higher you set your excess, the less your insurance could cost. However, you should set it at a level you can afford. The most popular excess amount with our customers is £2503.
  • Pay annually rather than monthly and you could save 16% on your insurance3. This is because insurance companies add interest when you pay monthly, increasing your overall price.
  • Increase your car's security. Check that your car has an immobiliser installed. If it was manufactured after 1997, it should. Other ways to reduce the risk of your car being stolen are by using trackers, steering wheel locks and parking in a secure garage.

3Based on Confused.com data December 2022 - May 2023

What types of insurance can I get for my Mazda?

Third-party

Third-party insurance covers you if you damage someone else's car or injure them in a road accident. It won't cover you or your car. This is the minimum level of insurance required in the UK.

Third-party, fire and theft

Third-party, fire and theft provides cover for everything included with third-party insurance, plus cover for your Mazda if it's stolen or damaged by fire.

Comprehensive

Comprehensive insurance offers everything included with third-party, fire and theft, plus repairs your car and cover for injuries you receive following an accident. This is the highest level of cover you can get in the UK.

What optional add-ons can I get with my Mazda insurance?

You can add certain extras to your policy for a cost. Which ones you choose will depend on the cover you need.

  • Courtesy car cover provides a temporary replacement for your Mazda while it's in for repairs following an accident.
  • Breakdown cover means you're covered if you breakdown on the road. It is usually offered at different levels. These can range from roadside assistance, to national recovery or European cover.
  • Windscreen cover will cover the cost of replacing your windscreen or side windows after an accident.
  • Personal accident cover pays out if you suffer a serious injury due to a road accident. The amount paid out typically depends on the injury.
  • Motor legal protection covers any legal expenses following an accident. This can include the cost of hiring a solicitor, any travel or accommodation costs, as well as medical treatments.
  • No-claims bonus protection means you can make a certain number of claims in a year without losing your no-claims discount. It could be worth considering this add-on if you've got a few years NCB built up.

The history of 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, safety and good driver ergonomics.

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.

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.

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Page last reviewed: 07/03/2024

Reviewed by: Louise Thomas