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Mazda car insurance: what you need to know.

Remember those advertisements with the little kid whispering “zoom zoom”? That was for Mazda and that tagline was one of the longest-lasting and most memorable advertisements in automotive history. It also cemented Mazda’s image as a car that’s easy to handle with a quality feel — it’s no wonder why it’s one of the most popular car brands in Canada.

Are you in the market for an insurance policy for a Mazda? Car insurance prices in Canada vary depending on which insurer you choose. You’re more likely to secure the cheap Mazda car insurance by comparing quotes for policies. Arming yourself with a bit of knowledge about what influences car insurance prices helps a lot, too.

You see, there are a lot of aspects of a vehicle that insurers take into account when they set prices — everything from the year the car was made to the model’s safety record.

To learn more, keep scrolling. We’ll review all the things that might have an impact on your insurance premiums if you buy a Mazda, as well as the different types of coverage (mandatory and optional) offered by insurance companies.

Ready to compare quotes and find the best car insurance rates for your Mazda? Just enter your postal code and click ‘Get Started’. We’ll show you results from 50+ of Canada’s leading insurance providers and connect you with the right insurance company or broker for your Mazda.

Compare Mazda insurance quotes in under three minutes with LowestRates.ca — just like that.

How much is insurance for a Mazda?

The way insurance companies determine car insurance rates for a Mazda — as with any other car brand — is a complex process with many variables taken into account.

The formulas insurers use — also known as the insurer’s underwriting standards — are considered trade secrets. We, the public, don’t enjoy much transparency about what goes into calculating insurance rates for a Mazda vehicle.

That's why it’s hard for us to say what the price of Mazda car insurance will be for you without knowing the specifics of your driving and insurance histories.

But insurance companies have disclosed some details about their underwriting process. For instance, we know that driver behaviour strongly influences rates. Having a clean driving record and no history of filing insurance claims for your Mazda will ensure that you get the preferred rate.

Car make also plays a big part, too. If keeping insurance costs to a minimum is important to you, then choosing a car with a good safety rating is a must. Insurance companies pay attention to safety ratings and cars with positive scores can often have a positive impact on your rates.

Newer Mazda models like the Mazda 3 and the Mazda CX-3 have received high scores from the U.S.-based Insurance Institute of Highway Safety and the National Highway Traffic Safety Association. Both organizations are widely regarded in North America as credible providers of consumer car safety ratings.

However, you may lose some savings if you chose a car model that’s a target of theft. The Insurance Bureau of Canada updates its list of the top 10 stolen cars annually. Luckily, Mazda cars do not rank on the list.

Due to all these factors, we can’t provide the exact average cost of Mazda insurance in Canada. The best way to find out how much car insurance for your Mazda will cost is to apply for a quote.

In the meantime, we can help by showing you car insurance rates for Mazdas from real Canadians who compared quotes on LowestRates.ca.

The following are real Mazda car insurance rates offered to LowestRates.ca users.

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Your questions about Mazda auto insurance rates, answered.

What is the cheapest Mazda to insure?

Mazdas are a popular car brand in Canada, which means they’re cheaper to insure relative to luxury vehicles; spare parts are easy to find, don’t require specialized mechanics to fix, and they’re not frequent targets of theft.

However, you can find even more savings by choosing a lower-end model without custom trim. These typically cost less to insure than fully-equipped models. In case of an accident, fewer advanced technological options, like backup cameras, flat screens, car alarms, and other technologies can potentially reduce repair costs.

Your vehicle’s age, make, model, value, and potential repair costs are taken into account when insurance companies offer you quotes. Compare quotes to see how much you can expect to pay for insurance before you purchase your new or used Mazda. A comparison tool like the one on LowestRates.ca instantly offers drivers seeking insurance dozens of quotes to compare and review.

While it’s important to compare rates before choosing a policy, you should only do so when your Mazda insurance is up for renewal. If you decide to switch car insurance companies long before your renewal date you can wind up owing money to your last insurer. Also, be sure to find out whether your current insurer plans to lower your rates in the future. Car insurance companies often lower premiums for renewing customers.

Used vs. new Mazdas: which is cheaper to insure?

The old rule of thumb is that the cheapest Mazda to insure is a used model as opposed to a new one. Pre-owned Mazda models that are five years or older generally don’t require extra insurance coverage.

Meanwhile, leased new Mazdas usually require both comprehensive and collision insurance. Collision insurance is recommended for new vehicles as well, but there’s a plus side to it. Aside from the deductible or possibly the cost of a rental car, there’s generally no out-of-pocket payment for the policyholder.

Mazda used car insurance can cost less than what it costs to insure a new model. Mazda dealerships offer ‘certified pre-owned models with a minimum of one year of warranty coverage for those seeking a pre-owned vehicle. Buyers can also purchase used Mazdas from other auto dealerships or from private sellers. An online comparison tool like LowestRates.ca can be used to compare cheap Mazda car insurance for new and pre-owned models to help you understand the true cost of insuring your vehicle.

What is the best car insurance for a Mazda?

There isn’t one car insurance company that specializes in insuring Mazda cars, so you need to review rates from multiple companies to find the insurer that can offer you the cheapest policy. That’s where a tool to compare Mazda insurance rates like LowestRates.ca comes in.

However, as a driver, you are required by law to carry two types of insurance everywhere in Canada:

Third-party liability insurance: and it covers the costs of damaging someone else’s property or causing them injury or death.
Accident benefits insurance: This covers a variety of expenses if you are in an accident, such as medical treatment, rehabilitation costs, attendant care, and even income replacement.

Finally, there are also a variety of other types of insurance coverages for Mazdas available, some of which are optional in certain provinces:

Collision: If you want to be covered for any kind of damage to your car resulting from a collision with another vehicle or with an object, you’ll want this kind of insurance, which is optional everywhere except Saskatchewan and Manitoba.
Comprehensive: As its name suggests, this kind of coverage will protect you in the event of damage that occurs from other kinds of incidents, such as theft, vandalism, natural disasters, falling objects, or even things like riots or civil disobedience. It is optional everywhere in Canada except in Saskatchewan and Manitoba. In Manitoba and Saskatchewan, all perils auto insurance coverage is required, which incorporates comprehensive insurance coverage.
Direct compensation for property damage: This coverage will pay you for damage to your vehicle if you’re in an accident where the other party is found to be at fault. Note that it will only pay for that percentage of the cost of repair or replacement that equals the proportion of responsibility assigned to the other driver—and it’s only valid in your home province. It is mandatory in Ontario, Quebec, New Brunswick, Nova Scotia, and Prince Edward Island.
Uninsured auto: If you’re in an accident with someone who has no insurance, or who flees the scene before you can identify them, this coverage will protect you—provided the other driver was at fault. It is mandatory in B.C., Newfoundland, and Labrador, New Brunswick.

How are auto insurance quotes for Mazdas calculated?

More important than what you drive is how you drive. A recent history of at-fault accidents will bump your premiums up a fair amount, along with driving infractions such as speeding or running a red light. Age and experience are also factors. If you’re under 25 or haven’t had a license for a long time, expect to pay higher rates, since insurers view inexperienced drivers as representing an elevated risk.

Even though it’s an affordable car brand insurance-wise (especially with older models), it’s important for young Mazda drivers to plan for hefty insurance premiums.

Finally, there is a range of other attributes that insurance companies look at when calculating your rates. The age of your car matters, for example, since older cars are cheaper to replace than newer ones. Where you live also makes a difference because drivers who live in an urban area are more likely to get into an accident or have their car broken into or stolen. And your premiums will also be lower if you opt for a higher deductible or install an anti-theft system in your car.

Is it safe to buy Mazda insurance online?

Yes, it’s totally safe to buy car insurance online. We’ve helped Canadians save millions on their insurance costs, collectively. Get a quote for Mazda car insurance on LowestRates.ca and start saving today.