Compare Mazda car insurance estimates from Australian providers. Whether you drive a CX-5, Mazda3, BT-50, or MX-5, find the right cover at the right price - comprehensive, third party, or fire & theft.
AAMI is one of Australia's most popular car insurance brands, trusted by millions of Australians. Get an estimate online in minutes and see how AAMI's flexible cover options could work for your Mazda.
Mazda is consistently one of Australia's top three best-selling car brands, with the CX-5 regularly claiming the title of Australia's favourite SUV. The Mazda3 remains a perennial favourite among small car buyers, while the BT-50 ute holds its own in the competitive Australian workhorse segment. Mazda's combination of premium styling, Skyactiv powertrain technology, and strong safety credentials has earned deep loyalty across the country.
From an insurance perspective, Mazdas typically fall into mid-range insurance groups. Their excellent ANCAP safety ratings, strong reliability record, and readily available parts keep premiums competitive. The CX-5 and Mazda3 are particularly well positioned, while the MX-5 roadster and premium CX-60 sit in higher brackets due to their performance or luxury positioning.
Every major Australian insurer covers Mazda vehicles, including AAMI, Allianz, Budget Direct, NRMA, Suncorp, and Youi. Mazda's massive sales volume means insurers have deep claims data, allowing accurate and competitive pricing. Remember that CTP insurance is compulsory in every state and territory and is separate from your comprehensive policy. See our full Australian car insurance comparison for more.
Estimated annual comprehensive insurance costs for popular Mazda models in Australia. Based on a 35-year-old driver with a clean record in Sydney.
| Model | Type | Approx. Value (Used) | Est. Comprehensive/yr | Insurance Group | Notes |
|---|---|---|---|---|---|
| Mazda2 | Hatchback | $8,000-$28,000 | $500-$780 | Low | Affordable small car with low insurance costs. Popular city runabout in Australia. |
| Mazda3 | Sedan / Hatch | $14,000-$48,000 | $650-$1,000 | Low-Mid | One of Australia's best-selling small cars. Stylish, well-equipped, and competitively insured. |
| Mazda CX-3 | Small SUV | $15,000-$38,000 | $650-$980 | Low-Mid | Compact SUV with strong ANCAP safety rating. Popular with urban Australian drivers. |
| Mazda CX-30 | Small SUV | $22,000-$48,000 | $700-$1,050 | Mid | Positioned between CX-3 and CX-5. Premium interior and advanced safety features. |
| Mazda CX-5 | Mid-size SUV | $20,000-$58,000 | $750-$1,150 | Mid | Australia's best-selling SUV. Excellent resale value and comprehensive safety equipment. |
| Mazda CX-60 | Mid-size SUV | $50,000-$85,000 | $950-$1,500 | Mid-High | Premium positioning with inline-6 and PHEV powertrains. Higher value pushes premiums up. |
| Mazda CX-80 | Large SUV | $60,000-$90,000 | $1,000-$1,500 | Mid-High | Three-row SUV for Australian families. Inline-6 diesel and PHEV options. |
| Mazda BT-50 | Ute | $28,000-$65,000 | $800-$1,250 | Mid | Built on the Isuzu D-Max platform. Popular work and lifestyle ute across Australia. |
| Mazda MX-5 | Sports | $22,000-$58,000 | $950-$1,450 | Mid-High | Iconic roadster. Higher premiums due to sports car classification and convertible body. |
Disclaimer: All prices shown are indicative estimates based on publicly available data and typical driver profiles as of early 2026. Actual premiums vary based on your vehicle, location, driving history, and chosen cover level. These figures are not quotes. Always obtain a personalised quote from the insurer directly. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.
Choose the right level of protection based on your Mazda's age and value.
Covers damage you cause to other people's vehicles or property. Your Mazda is not covered. May suit older Mazdas worth under $4,000.
Adds fire and theft protection for your Mazda. Suitable for Mazdas worth $4,000 to $12,000 where replacement cost matters but comprehensive premiums are a stretch.
Full protection for your Mazda. Covers accident damage, theft, fire, hail, storm, vandalism, and third-party liability. The most commonly chosen option for Mazdas valued over $10,000.
Understanding these factors can help you find cheaper Mazda insurance in Australia.
A Mazda2 is significantly cheaper to insure than a CX-60 or MX-5. Newer models with Mazda's i-Activsense safety suite may attract lower premiums from insurers that factor in ADAS technology.
Drivers under 25 pay considerably more. Over-25s with a clean licence and no recent claims attract the most competitive Mazda premiums across Australian providers.
Premiums in Sydney and Melbourne are typically higher than regional areas. Hail-prone locations across Queensland, the ACT, and parts of NSW may also affect comprehensive premiums.
Mazdas with factory immobilisers, smart key systems, or aftermarket tracking devices can attract reduced premiums from Australian insurers.
Each claim-free year builds your no-claims discount, which can save up to 65% on your premium. Some insurers offer NCB protection so one claim does not reset your discount.
Aftermarket modifications such as exhaust upgrades, lowered suspension, or turbo kits increase premiums and must be declared. Standard Mazdas are the cheapest to insure.
Practical ways to reduce your Mazda insurance premium without cutting important cover.
Mazda premiums can vary by $300 or more between providers for the same level of cover. Gather at least three estimates before committing - use insurancecompared.com.au as a starting point.
Increasing your excess from $500 to $750 or $1,000 can save 10 to 20 percent on your annual premium. Only choose an excess you could comfortably pay if you needed to claim.
Most Australian insurers add a surcharge for monthly instalment plans. Paying your Mazda policy in one annual lump sum can save between 5 and 10 percent.
Holding your Mazda, home, and contents insurance with the same provider can unlock multi-policy discounts of 5 to 15 percent. Ask each insurer about bundling when you request your estimate.
Adding young or inexperienced drivers to your Mazda policy increases premiums significantly. Only add drivers who genuinely need regular access to the vehicle.
Garaging your Mazda overnight and declaring security features like factory immobilisers and alarm systems can help lower your premium. This is especially relevant in hail-prone areas.
Key facts about Mazda vehicle security and safety for Australian owners.
Mazdas have a moderate theft risk in Australia. While they are not among the most targeted brands, popular models like the CX-5 can attract attention due to their desirability. Modern Mazdas with factory immobilisers and smart key systems provide strong theft deterrence. Check the National Car Theft Reduction Council for the latest data.
Mazda has an outstanding safety record in Australia. The i-Activsense safety suite is now standard across most of the range, and strong ANCAP ratings can positively influence your insurance premium.
Common questions about insuring your Mazda in Australia.
Disclaimer: The information on this page is for general informational purposes only and does not constitute financial advice. While we strive for accuracy, insurance products, pricing, and terms change regularly. Always verify details directly with the insurer before making any decisions. If you need personalised advice, consider consulting a licensed financial adviser. For more information, visit MoneySmart.gov.au.
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