Mazda Car Insurance

Who is Mazda?

Mazda is a Japanese car company, famous for its clever engineering and slick design. Founded in 1920, they began making tools and then moved on to the production of cars, and today, focus on the design and sale of stylish, high-performance vehicles. Mazda is particularly famous for its rotary engines, which are compact, and powerful and its “Zoom-Zoom” philosophy emphasises a fun driving experience.

The brand's lineup includes popular models like the Mazda3 and CX-5, blending sporty aesthetics with advanced technology and fuel efficiency. With a focus on sustainability, Mazda is also advancing its electric vehicle offerings, ensuring it remains competitive in an evolving automotive landscape.

How Much Does a Mazda Cost to Insure?

Mazda insurance costs will vary from driver to driver. This is because insurance providers use a range of variables to evaluate each driver's risk, and as each driver and their circumstances are different, insurance premiums will reflect this. The Mazda car you drive, its insurance group, your age, driving history, and your annual mileage are just some of the factors that will determine your car insurance premiums. Below, we've provided a breakdown of the average price Mazda drivers can expect to pay to insure the most popular models.

How Can I Get Cheaper Mazda Insurance?

By applying some simple but highly effective strategies, you can keep your Mazda car insurance costs down. Consider the following:

• Opt out of policy extras: Not every driver benefits from policy extras such as breakdown cover, stolen key cover or personal accident cover, so if you don't think you'll need them, consider opting out of policy extras to get cheaper insurance.
• Always compare: Never accept the first insurance quote offered to you. By comparing as many quotes from as many providers as possible, you're more likely to find a cheaper deal, and also take advantage of new customer offers when you switch.
• Increase your voluntary excess: Voluntary excess is the amount of money you choose to pay upfront in the event of a claim. The more you choose to pay the lower your premiums will be. But always ensure that this is an amount you can afford.
• Drive less: Mazda drivers who spend more time on the road will likely face higher premiums compared to those who drive less frequently. This is because the perceived risk is higher for someone who drives more. Keep costs down by driving less and providing a realistic estimate of your annual mileage.
• Choose telematics: A black box policy is a great way to demonstrate to insurance providers that you are a safe and cautious driver. The black box installed in your Mazda will gather data based on your driving habits such as braking, steering, speed, and the time of day you drive. If this data confirms that you are a safe driver this will be reflected in your premiums.

What Factors Influence the Cost of Mazda Car Insurance?

Whether you have a brand-new car or you drive a classic Mazda, the factors used to determine your insurance costs remain the same. Here are some of the factors that will influence your premiums.

• Insurance group: The insurance group your Mazda is categorised in will greatly influence your insurance costs. Usually, the higher the group, the higher you can expect your premiums to be. For example, the Mazda 2 (insurance group 7-15) may be cheaper to insure than the much larger and more powerful Mazda MX-5 (insurance group 22-27). A higher group usually means a higher risk of an accident, theft, damage, and higher repair costs.
• Level of cover and type: Whether you're looking for comprehensive cover, a multi-car policy or classic car insurance, the type of insurance you need will influence the overall cost of your premium. Typically, the more cover you require, the more you will pay. However, as this isn't always the case, comparing policies and quotes is key to finding the best deals.
• Driver details: Providers will also take your age, gender, and your driving history into account when calculating your quote.
• Parking location: Parking your Mazda in a garage or on a secure driveway overnight will classify you as a lower risk than drivers who park on the street or in poorly lit areas. This is due to the increased risk of damage or theft for those who park on the street compared to those who have access to secure parking.
• Marital status: Some car insurance providers believe that married drivers are less likely to be involved in accidents or need to make car insurance claims. Again, as not all providers recognise these statistics, it's important to compare quotes.
• No-claims bonus: If you have a no-claims bonus and have gone a considerable amount of time without making a claim, insurance providers will consider you to be a low-risk driver. This will be reflected in your premiums with potentially lower costs.