Key Facts About Insuring a Mazda in Ontario
The figures below are based on MyChoice’s proprietary online quote data collected from Mazda drivers in Ontario in 2026.
| Average Mazda insurance premium (Ontario): | $1,817 |
| Cheapest Mazda model to insure: | Mazda5 ($1,561) |
| Most expensive Mazda model to insure: | CX-50 ($2,286) |
| Cheaper alternatives to Mazda for car insurance: | Mitsubishi ($1,519), Fiat ($1,612), Volkswagen ($1,644), Subaru ($1,702) |
| Mazda collision rate in Ontario: | 9.7% of Mazda drivers have ≥1 at-fault accident |
How Much Does it Cost to Insure Your Mazda in Ontario?
Your postal code is one of the biggest factors in a Mazda premium. In congested, high-theft areas like Mississauga, Mazda drivers pay far more than the $1,817 provincial average, whereas quieter centres such as Ottawa see noticeably lower rates.
The table below estimates the average annual Mazda premium in major Ontario cities:
| City | Average Annual Insurance Premium |
|---|---|
| Brampton, ON | $2,958 |
| Scarborough, ON | $2,597 |
| Vaughan, ON | $2,305 |
| Mississauga, ON | $2,126 |
| Markham, ON | $2,015 |
| Toronto, ON | $2,001 |
| Barrie, ON | $1,805 |
| Oshawa, ON | $1,804 |
| London, ON | $1,736 |
| Windsor, ON | $1,734 |
| Thunder Bay, ON | $1,732 |
| Hamilton, ON | $1,593 |
| Sudbury, ON | $1,570 |
| Kitchener, ON | $1,543 |
| Kingston, ON | $1,482 |
| Ottawa, ON | $1,432 |
How Mazda Car Insurance Costs Compare to Similar Vehicle Brands
Insurance cost is often a deciding factor when shopping across brands. Our internal Ontario quote data places Mazda in a moderate price band: it typically costs more to insure than Kia, Dodge, Ford, yet less than Chevrolet, Infiniti, GMC.
Here’s how the average annual Ontario premiums stack up:
| Car Model | Average Annual Insurance Premium |
|---|---|
| Kia | $1,715 |
| Dodge | $1,756 |
| Ford | $1,810 |
| Mazda | $1,817 |
| Chevrolet | $1,878 |
| Infiniti | $2,021 |
| GMC | $2,104 |
Mazda Car Insurance Rates Through The Years
Mazda vehicle insurance rates have steadily increased over the past few years. Premiums rose consistently since 2020. This upward trend reflects the rising costs of insuring Mazda vehicles. Here’s an updated overview of Mazda insurance premiums in recent years:
| Year | Average Annual Insurance Premium | YoY Change |
|---|---|---|
| 2020 | $1,354 | — |
| 2021 | $1,429 | +5.5% |
| 2022 | $1,522 | +6.5% |
| 2023 | $1,618 | +6.3% |
| 2024 | $1,706 | +5.4% |
| 2025 | $1,725 | +1.1% |
| 2026 | $1,817 | +5.3% |
Mazda Car Insurance Rates by Model & Year Make
Not every Mazda costs the same to insure. In our Ontario data the Mazda5 is the most affordable to cover, while the CX-50 carries the highest premium, reflecting differences in value, repair cost and theft risk.
Here are average annual Ontario premiums by Mazda model:
| Model | Average Annual Insurance Premium |
|---|---|
| Mazda5 | $1,561 |
| CX-5 | $1,808 |
| Mazda3 | $1,835 |
| Mazda6 | $1,837 |
| CX-9 | $1,902 |
| CX-30 | $2,006 |
| CX-50 | $2,286 |
Most Popular Mazda Vehicles
Mazda Insurance FAQs
Which Mazda model is the cheapest to insure?
The Mazda5, while discontinued, is the most affordable model to insure in Ontario, with an average annual premium of $1,561.