Mazda is a Japanese automaker that’s known for its stylish design, premium-level finishes, and innovative technologies such as rotary engines. While the Mazdas you’ll find in a showroom today are generally affordable to maintain and repair, older models like the rotary-powered RX-7 and RX-8 need specialized parts and labour to fix. Insurance quotes for Mazda vehicles can therefore vary widely, especially when adding in external factors like driver history, theft and collision experience, annual use, and location.
Drawing on MyChoice internal quote data, this guide compares Mazda premiums by vehicle and Ontario city, estimates new-versus-used costs and benchmarks the brand against mainstream alternatives. It also helps shoppers assess physical-damage coverage, deductibles, rental transportation and the value of coverage on an older vehicle.
Mazda Insurance Facts for Ontario Shoppers
Mazda’s $2,124 median annual Ontario premium is 9% below the $2,345 all-vehicle benchmark. Model-specific median estimates range from about $1,824 for the CX-30 GS to $3,499 for the Mazda3 GS Sky. This $1,675 spread means that model-specific figures are more meaningful than Mazda’s brand-wide estimate.
| Median Mazda premium (Ontario) | $2,124 |
| Mazda vs Ontario all-vehicle median | -9% |
| Cheapest Mazda model to insure in Ontario | CX-30 GS AWD (~$1,824) |
| Most expensive Mazda model to insure in Ontario | Mazda3 GS Sky 4Dr (~$3,499) |
| Cheapest alternatives to insure | MINI ($2,003), GMC ($2,017), Dodge ($2,026), Chevrolet ($2,083) |
How Mazda Rates Vary Across Ontario
The city-specific median pricing examples below run from $1,890 for a 2019 CX-3 in Ottawa to $4,604 for a 2018 CX-5 in Brampton. A newer 2025 CX-30 in Toronto is also near the low end at $1,910. This shows that postal code can be just as influential a factor on insurance rates as a vehicle’s model, age, or original value..
| City | Model | Model Year | List Price | Median Annual Car Insurance Premium |
|---|---|---|---|---|
| Barrie, ON | Mazda3 GS Sky | 2012 | $21,656 | $3,287 |
| Brampton, ON | CX-5 GT AWD | 2018 | $37,590 | $4,604 |
| Hamilton, ON | Mazda3 GS I-Activ AWD | 2019 | $28,297 | $2,767 |
| Toronto, ON | CX-5 Signature Turbo AWD | 2019 | $42,998 | $2,847 |
| Brampton, ON | CX-9 GS-L | 2020 | $45,622 | $3,835 |
| Kitchener, ON | Mazda6 GT | 2014 | $34,504 | $2,386 |
| Ottawa, ON | CX-3 GSAWD | 2019 | $27,632 | $1,890 |
| Toronto, ON | CX-30 GS AWD | 2025 | $33,442 | $1,910 |
The Difference Between New and Used Mazda Rates
A used Mazda is estimated to cost $2,037 a year to insure, $151 below the $2,188 figure for a new vehicle. This is based on a broad age adjustment rather than the same vehicle at two ages. Compare your car’s value and deductible before reducing optional collision or comprehensive coverage.
| Vehicle | Median Annual Car Insurance Premium |
|---|---|
| New Mazda | $2,188 |
| Used Mazda | $2,037 |
Mazda Against Other Mainstream Choices
Mazda is the most affordable to ensure of the nine mainstream brands shown below at $2,124 annually. Toyota is only $73 higher and Mitsubishi $111 higher, while Hyundai is $560 higher. These small price differences may become less meaningful once an insurer rates a specific model, driver history and postal code.
| Car brand | Median Annual Car Insurance Premium |
|---|---|
| Mazda | $2,124 |
| Toyota | $2,197 |
| Mitsubishi | $2,235 |
| Subaru | $2,272 |
| Kia | $2,299 |
| Honda | $2,303 |
| Nissan | $2,320 |
| Volkswagen | $2,506 |
| Hyundai | $2,684 |
Mazda’s Current Line-up in Canada
Like many automakers, Mazda Canada’s line-up leans toward SUVs. Four options are available, from the CX-30 subcompact crossover and CX-5 compact crossover to the CX-70 midsize two-row and CX-90 midsize three-row SUVs. While the CX-30 and CX-5 are currently only available with gas engines, the CX-70 and CX-90 both have mild-hybrid and plug-in hybrid options.
Mazda has retained two cars in its product line-up. The compact Mazda3 is offered in sedan and hatchback form and stands out from competitors by offering features such as a six-speed manual transmission and available all-wheel drive. For driving enthusiasts, the Mazda MX-5 continues to be the natural choice. It comes with either a soft-top or hard-top convertible roof and a standard manual or available automatic transmission.
A Direct Answer on Mazda Insurance Costs and Safety
What is the typical cost of Mazda insurance in Ontario?
According to MyChoice’s internal quote data, the estimated 2026 Ontario median for all Mazda vehicles is $2,124 per year.
Are Mazda vehicles reliable and safe?
In the 2026 J.D. Power U.S. Vehicle Dependability Study, Mazda’s reliability rates just below the industry average. Consumer Reports notes that that CX-70 and CX-90 SUVs, and particularly the plug-in hybrid powertrains, score poorly in reliability. Mazda consistently scores well in crash tests from the Insurance Institute for Highway Safety (IIHS). Most models earned Top Safety Pick+ designation for 2026, including the Mazda3 sedan and Mazda3 Sport hatchback, Mazda CX-30, the newly redesigned Mazda CX-5, and the Mazda CX-70 and Mazda CX-90. The Mazda MX-5 is not crash-tested by the IIHS.