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Mazda Car Insurance

Compare 50+ quotes and find the cheapest auto insurance for your Mazda.

Compare Mazda car insurance costs from top providers in Canada

CAA
Onlia
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Economical
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Image of Joel Kranc

Written By Joel Kranc

Contributing writer

Updated

About Mazda Car Insurance

What started out as a cork machine company in the 1920s evolved into a three-wheel pick up and truck company by 1931. That company is the forerunner to today’s modern Mazda brand.

In 1968, Mazda set up shop in Canada, and today the global company exports vehicles to more than 151 countries. From the hybrid and plug-in CX-90 models to the compact SUV CX-50 and other sedans and crossovers, Mazda is extremely popular brand with choices that fit many budgets and lifestyles.

Mazda has also been an innovation leader. The Mazda Wankel engines are a family of rotary combustion car engines produced by Mazda.

Wankel engines were invented in 1950s by Felix Wankel, a German engineer. They were not so known for fuel efficiency and were discontinued for a while but have since come back. One change made to the engine is that fuel is now directly injected into the combustion chamber, which helps to keep the fuel in the main area of the chamber and improve atomization.

Another of Mazda’s innovations is Skyactiv Technology. Skyactiv technology features in many different areas of new Mazda car design including the engine, transmission, and chassis. The Skyactiv chassis is extremely lightweight and robust. This combination makes the Skyactiv chassis strong against any type of collusion and is high performance.

Recent Mazda car insurance quotes

Recent Auto Insurance Quote from BELLE RIVER, ONTARIO
Male, Age 26
2023 MAZDA MAZDA3 GS 4DR
July 19, 2024
Cheapest Quote
$ 177 / month
$2,125 / year
Average Quote
$ 221 / month
$2,650 / year
Savings
$ 44 / month
$525 / year
or
19.81 %
Recent Auto Insurance Quote from SCARBOROUGH, ONTARIO
Male, Age 27
2010 MAZDA MAZDA3 GX 4DR
July 19, 2024
Cheapest Quote
$ 452 / month
$5,420 / year
Average Quote
$ 836 / month
$10,033 / year
Savings
$ 384 / month
$4,613 / year
or
45.98 %
Recent Auto Insurance Quote from ST ALBERT, ALBERTA
Male, Age 35
2015 MAZDA CX-5 GT 4DR AWD
July 19, 2024
Cheapest Quote
$ 75 / month
$896 / year
Average Quote
$ 94 / month
$1,133 / year
Savings
$ 20 / month
$237 / year
or
20.92 %
Auto insurance quotes are compared from CAA, Coachman Insurance Company, Echelon Insurance, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

Popular Mazda model

Within its lineup of products some of the most popular Mazdas include the Mazda3, CX-5 and CX-3.

CX-50s and CX-30s have also been added to the line up but only really vary from the CX-5 and CX-3, respectively, by cargo space, a slight increase in length and width. The CX-50 is geared towards an older demographic, while the CX-5 is for younger drivers. In overall size, the CX-50 is slightly larger than the CX-5, measuring 4,720 mm long and 1,920 mm wide. The same is true in the CX-3 and CX-30 categories, with a slightly lower price point for both the CX-5 and CX-3. Also, the CX-30 is available in four different trims—or packages in Mazda speak: Sport, Select, Preferred, and Premium.

The 2023 Mazda3 has a reliability score of 77 out of 100. A J.D. Power predicted reliability score of 91-100 is considered the Best, 81-90 is Great, 70-80 is Average. The car, while compact, has a new 191 horsepower base engine, increased fuel economy estimates and is available in All Wheel Drive.

US News and World Report ranks in no. 2 out of 10 in the compact car category is well priced and gets an 8.6 out of 10 overall.

Average car insurance costs for Mazda Mazda3

The assumptions used here to calculate car insurance costs for the Mazda3 are based on a male driver living in Toronto, Ontario who has basic car insurance and a clean driving record. He also happens to drive 10,000 km per year. The exact vehicle is 2023 Mazda3 GS 4DR.

Mazda Mazda3 car insurance by age

AGE ANNUAL PREMIUM
18$4,626
19$3,971
20$3,171
21$2,401
22$2,352
23$2,225
24$2,142
25$1,918
26$1,911
27$1,841
28$1,777
29$1,754
30$1,717
40$1,201
50$968
60$910

For better or for worse, but in this case worse, Mazda3 is one of the most expensive Mazda cars to insure. Why? Despite getting great fuel economy, the car is considered a sports car, which can lead to higher theft and repairs upon collision.

If you look at the latest data from the Insurance Bureau of Canada (IBC), you’ll discover that new Mazda3 models score relatively high when it comes to claims filed for them.

The ratings across various coverages for 2020 Mazda3 GS 4DR – the latest model for which there is data – are as follows:

Note: 100 is the average rating in each category, and the higher the number, the less favourable the rating.

Mazda3 Car Insurance by Model Year

Our model year data is based on an 18-year-old male driver in Toronto, Ontario, who has basic car insurance coverage and a clean driving record. He also happens to drive 10,000 km per year. The exact vehicle is Mazda3 GS 4DR.

Rates for the Mazda3 GS 4DR have started high and have stayed high over the past six years. This has a lot to do with their sports car persona, its appeal to younger drivers (who have higher rates) and possible attraction to thieves.

Mazda3 GS 4DR Car Insurance by Model Year

MODEL YEAR ANNUAL PREMIUM
2016$3,613
2017$3,649
2018$3,553
2019$5,357
2020$3,449
2021$3,498
2022$3,618
2023$3,477

Average car insurance cost for Mazda CX-5

Our model year data is based on an 18-year-old male driver in Toronto, Ontario, who has basic car insurance coverage and a clean driving record. He also happens to drive 10,000 km per year. The exact vehicle is Mazda CX-5 GS 4DR AWD.

Mazda CX-5 Car Insurance by age

AGE ANNUAL PREMIUM
18$3,250
19$3,015
20$2,229
21$1,674
22$1,639
23$1,539
24$1,506
25$1,474
26$1,354
27$1,351
28$1,273
29$1,278
30$1,283
40$884
50$710
60$673

The Mazda CX-5 GS AWD, not unlike its Mazda3 cousin, is built for speed and also has a “sports car” persona among insurance companies. Of course, rates depend on you age, where you live, your driving record and so on, but as can be seen in the table rates start out at $3,250 per year for the least experienced driver.

Information from the Insurance Bureau of Canada (IBC), points to high collision, theft and DCPD numbers, which contribute to the higher insurance rates of this particular car.

The ratings across various coverages for 2020 Mazda CX-5 GS 4DR AWD – the latest model for which there is data – are as follows:

Note: 100 is the average rating in each category, and the higher the number, the less favourable the rating.

Mazda Car Insurance by Model Year

Our model year data is based on an 18-year-old male driver in Toronto, Ontario, who has basic car insurance coverage and a clean driving record. He also happens to drive 10,000 km per year. The exact vehicle is Mazda CX-5 GS 4DR AWD.

Although not as high as the Mazda3, rates for the Mazda CX-5 GS 4DR AWD are also relatively high compared to other vehicles. Again, this car is built for speed and is often considered to be sportier than other vehicles by insurance companies. have started high and have stayed high over the past six years.

Mazda CX-5 GS 4DR AWD Car Insurance by Model Year

MODEL YEAR ANNUAL PREMIUM
2016$3,048
2017$3,099
2018$3,115
2019$3,210
2020$3,160
2021$3,160
2022$3,381
2023$3,250

Average car insurance costs for Mazda CX-3

Our model year data is based on an 18-year-old male driver in Toronto, Ontario, who has basic car insurance coverage and a clean driving record. He also happens to drive 10,000 km per year. The exact vehicle is Mazda CX-3 GS 4DR 2WD.

Mazda CX-3 car insurance by age

AGE ANNUAL PREMIUM
18$3,078
19$2,857
20$2,141
21$1,629
22$1,591
23$1,492
24$1,456
25$1,417
26$1,301
27$1,297
28$1,229
29$1,235
30$1,241
40$832
50$668
60$634

The Mazda CX-3 GS 2WD, is a great starter car and less sporty than other Mazda models. This has helped lessen insurance costs comparatively speaking starting with a high insurance rate for 18-year-olds at $3,078 (still cheaper than other models) to a low of $634 for 60-year-olds.

Information from the Insurance Bureau of Canada (IBC), points to lower scores for collision, theft and DCPD numbers, which contribute to the lower insurance rates of this model.

The ratings across various coverages for 2019 Mazda CX-3 GS 4DR 2WD – the latest model for which there is data – are as follows:

Note: 100 is the average rating in each category, and the higher the number, the less favourable the rating.

Mazda CX-3 Car Insurance by Model Year

Our model year data is based on an 18-year-old male driver in Toronto, Ontario, who has basic car insurance coverage and a clean driving record. He also happens to drive 10,000 km per year. The exact vehicle is Mazda CX-3 GS 4DR 2WD.

New drivers looking to save some money on their insurance might consider the CX-3 as their first vehicle. Rates trend lower than other Mazdas and are considered less sporty, and thus less expensive to insure.

Mazda CX-3 GS 4DR 2WD Car Insurance by Model Year

MODEL YEAR ANNUAL PREMIUM
2016$3,058
2017$3,046
2018$2,933
2019$2,970
2020$2,955
2021$3,036
2022$3,078

Average car insurance costs for Mazda CX-50

Our model year data is based on an 18-year-old male driver in Toronto, Ontario, who has basic car insurance coverage and a clean driving record. He also happens to drive 10,000 km per year. The exact vehicle is Mazda CX-50 GSL 4DR AWD.

Mazda CX-50 car insurance by age

AGE ANNUAL PREMIUM
18$3,329
19$3,089
20$2,286
21$1,718
22$1,684
23$1,582
24$1,547
25$1,514
26$1,392
27$1,389
28$1,308
29$1,313
30$1,319
40$901
50$724
60$684

Information from the Insurance Bureau of Canada (IBC), points to lower scores for collision, theft and DCPD numbers, which contribute to the lower insurance rates of this model.

The ratings across various coverages for 2021 Mazda CX-50 GSL 4DR AWD – the latest model for which there is data – are as follows:

Note: 100 is the average rating in each category, and the higher the number, the less favourable the rating.

The crossover SUV is a slightly larger cargo model designed for an older demographic. While not the most expensive Mazda to insure, it ranks up there, possibly because of its new feature. Also, while not all drivers agree, Mazda considers this car a luxury SUV.

Find the cheapest car insurance quotes for your Mazda

Car insurance rates have been on the rise, not least of all because of higher theft and crime rates. A report on theft says vehicle theft was up by 50 per cent in Quebec year over year, by 48.3 per cent in Ontario, by 34.5 per cent in Atlantic Canada and by 18.3 per cent in Alberta.

But despite higher rates and insurance companies pricing in the risk of theft, there are still as many ways to save on insurance as there are cars to choose from. Much of it depends on you, your driving record and where you live. But here are the most impactful moves you can make to lower your rate:

  1. Keep a clean driving and insurance record — This is part of the long-game. Rates decrease as you mature and keep your record clean. The longer you drive and gain experience, the lower your rates will be. Insurance providers will discriminate based on age or inexperience, so stay safe and the savings will come.
  2. Take a pass on optional coverages — Over time your car’s value will depreciate to the point where it makes little sense to have extra coverage for collision and comprehensive insurance. Vehicles five years old or more typically don't need collision or comprehensive insurance.
  3. Increase your deductible — The deductible is how much you agree to pay out of pocket for damages before your insurance company pays out your benefit. Agreeing to pay more up front reduces your risk factor in the eyes of your insurance provider. Lower risk equals better rates.
  4. Try usage-based insurance — If you drive 12,000 kilometres a year or less, consider getting a usage-based insurance policy. When you apply for a car insurance policy, insurance companies ask you to predict the number of kilometres you expect to log over the coming year. This leads some people to inflate the number to stay on the safe side. A usage-based policy offers more flexibility than a traditional policy. After you use up your base number of kilometres, you pay for every extra 1,000 kilometres you drive. Essentially, you can err on the side of being a low-mileage driver, reap a cheaper premium, and pay the difference on the off chance you do go over your allotment of kilometres.
  5. Sign up for telematicsTelematics refers to insurance technology that monitors your driving habits. Insurance companies give you a compact sensor you install in your car and pair with an app.
    Together, the devices can monitor your speed, how hard you brake, and the distance travelled. If you prove to have good habits and a safe record you could see up to 20% in some cases. Some insurance companies offer an initial discount for enrolling in the program.
    Telematics programs are available in Ontario, Nova Scotia, New Brunswick, Quebec, and Alberta. Unfortunately,  insurance companies can use the information to raise your rates in Ontario.
  6. Compare rates — Be sure to compare rates. Car insurance companies in provinces with private insurance markets don't charge the same for coverage. The price of your car insurance depends on the insurer you choose. In 2022, RATESDOTCA drivers saved an average of $800 annually in Ontario. Both the Auto Insurance Rate Board of Alberta and the Financial Services Regulatory Authority of Ontario recommend shopping around as a strategy to find a lower rate.

Comparing rates is also a good way to leverage your current provider if you want to stay with them but also want to negotiate.

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Joel Kranc ,
Writer

Joel Kranc is a freelance writer and content provider who has worked with RATESDOTCA since 2019. He holds an MA in political science from the University of Toronto and a film certificate from New York University.

He has been published in and worked for such companies as CNN, Rogers Media, Institutional Investor Magazine, The Globe and Mail, Infrastructure Investor, BenefitsPRO Magazine, Global Finance Magazine, With Intelligence, the CPP Investment Board, Hospitals of Ontario Pension Plan, and many more financial services and industry publications.

He is the author of "Retirement Planning in 8 Easy Steps," which, when released in 2015, was No. 11 on the Publisher's Weekly US Bestseller List for Business and Finance, beating out Mark Cuban's "How to Win at the Sport of Business."

Education
  • Master's of Political Science, University of Toronto
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