Mazda 626 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Mazda 626 is less expensive to insure compared to the average car.
• Full coverage insurance for a 626 tends to be around $133 monthly, on average, while liability only insurance usually comes in at about $73.
• CSAA provides the most affordable average premiums for a 626 with liability only coverage offered for as low as $23 a month.

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626 Overview

With a base price of just $18,785 for 2002 models, the Mazda 626 is a great budget-friendly option for any driver. Even more exciting than being on the affordable end of the spectrum when it comes to overall price point, it's also a smart budget option when you consider your future auto insurance prices.

We analyzed thousands of car insurance quotes on Compare.com, and we've found that Mazda 626 insurance premiums run around $88 monthly, on average. But where does that fall compared to the rest of the market?

How Much is Car Insurance for a Mazda 626?

If you look at the table above, you'll see that Mazda 626 insurance rates are below average. On average, 626 owners can expect to pay about $133 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $73 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).

When you compare it to other models, the 626 is cheaper, with premiums more than 10% lower than other vehicles in Mazda's lineup. Compared to offerings from other brands, auto insurance for a 626 is also more affordable, with full coverage insurance prices coming in around 25% less and 12% less for liability only insurance.

When compared to all vehicles, regardless of body style, make, or model, the 626 follows a similar pattern of having below average car insurance rates.

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Who has the Cheapest Car Insurance for a Mazda 626?

Looking for an auto insurance policy for your Mazda 626? You may be most interested in which carrier offers the cheapest premiums. Even though there will never be one company that offers the cheapest rates for everyone, the lowest average rates for liability only insurance are sometimes just $23 a month from CSAA. The runner up for lowest rates is CaliforniaCasualty, with insurance policies starting sometimes as little as $27 monthly.

AssuranceAmerica, Hallmark, and Shelter Mutual round out the end of the top 5 list. But just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Mazda 626.

Insurance carriers use a multitude of variables and complex formulas to calculate rates. By getting quotes from a variety of car insurance companies at once, you can guarantee you're finding the most affordable rate.

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What Factors Affect Car Insurance Rates for a Mazda 626?

There are several factors that auto insurance carriers look at to determine how much they charge -- and every carrier uses a different formula, so there's not just one company that's the cheapest for each 626 owner.

The following sections show a multitude of things car insurance companies use to decide rates:

Vehicle Age

Mazda has been making the 626 for quite some time, so the car's age may play a role in how much you'll pay for insurance. Typically, it costs less to insure older cars because they're worth less than newer models, and as time goes on and 626s continue to depreciate, insurance costs will gradually go down.

Since a new model has not been added to the market for at least 5 years, we cannot analyze this trend for the 626. However, as you can see in the table above, the most expensive Mazda 626s to insure are those that are 15 years old or more, while the cheapest models are 626s that are 11 to 14 years old, on average.

Your Age

How old you are plays a significant role in how much auto insurance carriers will charge for a policy. Based on the information in the table above, drivers with more experience pay less for car insurance than drivers under 24. Mazda 626 drivers aged between 18 and 24 actually pay $45 more than those 25 or older.

Car insurance prices continue to get lower as you get older, with the cheapest age group for 626 drivers being 55-64.

Your Gender

Because women are less likely to get into accidents and get speeding tickets, they have a lower chance of filing a claim with insurance. So, women tend to get cheaper rates than men. The Mazda 626 is no different, and men pay about $76 per month for insurance, while women pay around $70.

Where You Live

It may seem like common sense that factors such as how old you are and what vehicle you drive play a role in your auto insurance prices, but you may not realize that where you live is just as important. Auto insurance is regulated at the state level, so rates can change quite a bit depending on which state you call home.

For example, the average Mazda 626 driver from New York pays about $134 a month for liability coverage. Meanwhile, the same Californian owner will pay less than 50% of that price, on average. The table referenced above shows average premiums for the 10 largest states by population, just to give you a good idea of how much prices can change from state to state.

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Mazda 626 Car Insurance Discounts

Regardless of what car you drive, how old you are, or where you live, using as many discounts as possible when it comes to your insurance is always a good idea when shopping around for a policy.

Not every auto insurance carrier will offer the same discounts, but there are a few that are relatively universal. These include discounts like:

• Defensive driving discounts for drivers who take a defensive driving class through a certified school or institution
• Multi-car discounts for having more than one vehicle on your auto policy
• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings
• Multi-policy discounts for using the same insurance company for both your home and auto insurance

These are just a few of the discounts car insurance companies offer, and sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like driving safely, avoiding lapses in coverage, and not having recent insurance claims.

Although you can't control every single aspect of your insurance profile (like some of the pieces we mentioned above), you do have a say over some of it. Below are just a few of the variables you can use in your favor when it comes to saving cash:

Your Driving Record

You've probably heard ads from car insurance carriers posting hefty discounts for good drivers. It checks out that your auto insurance rates will go higher if you get a speeding ticket or get into an accident. But exactly how much is it going to cost you for these infractions?

According to the table above, accidents will usually cost 626 drivers more than tickets, but both will result in above average rates. Mazda 626 drivers with one accident on their record pay about $99 every month (up $26 from the $73/mo. overall average), while drivers with a single ticket will pay an average of $84 monthly. The rates only get higher the more collisions you have or tickets you get.

How Much You Drive

Another variable that affects your insurance premiums is the amount of miles you drive annually. Drivers who are on the roads less often are more likely to go accident-free, so they'll typically get lower prices. Based on the table above, you can see that Mazda 626 owners who drive fewer than 2,500 miles each year pay about $69 per month for car insurance, while those who put 10,000 miles or more on their cars pay $76.

But if you don't use your Mazda 626 that often, you might consider getting a usage-based or pay-per-mile auto insurance policy. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Mazda 626s Compare to Other Vehicles?

If you're considering buying a new car and a Mazda 626 is on your shortlist, it might be helpful to do your homework. Insurance is just one cost that comes with buying a new car, but it's definitely one that's worth considering carefully.

Check out the table below to see how the Mazda 626 stacks up:

As you can see, the Mazda 626 is pretty much in line with the average vehicle price here in the U.S. The 626 has a base price of $18,785, close to the national average vehicle MSRP of $28,031. A used 626 will be even less expensive, since there hasn't been a new model on the market recently.

Although the 626 has a pretty average price, car insurance premiums run slightly below average when compared to the rest of the vehicle market. Full coverage insurance for a Mazda 626 is around $8 a month cheaper than average, while liability only coverage is $9 cheaper a month.

When it comes to usage, Mazda 626 drivers are far from the national average in annual miles driven, with 10,332 miles a year compared to 11,617 for all vehicles.

Mazda 626 Car Insurance Costs by Model Year

You've seen how different factors can affect a driver's insurance rates. If you're considering buying a new 626, knowing what you can expect to pay for the specific vehicle you're looking at can be extremely helpful as you weigh your options.

Choose Your Model

2002 Mazda 626 Car Insurance 2001 Mazda 626 Car Insurance 2000 Mazda 626 Car Insurance 1999 Mazda 626 Car Insurance 1998 Mazda 626 Car Insurance 1997 Mazda 626 Car Insurance 1996 Mazda 626 Car Insurance 1995 Mazda 626 Car Insurance 1994 Mazda 626 Car Insurance 1993 Mazda 626 Car Insurance 1992 Mazda 626 Car Insurance 1991 Mazda 626 Car Insurance 1990 Mazda 626 Car Insurance

2002 Mazda 626 Car Insurance

2002 626 drivers can expect to pay an average of $72 per month for liability or $161 for full coverage.

With prices as cheap as just $18 monthly, Sun Coast offered the cheapest policy we found.

If you want to find the best rates for insurance for a 2002 Mazda 626, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2001 Mazda 626 Car Insurance

You can expect full coverage for a 2001 Mazda 626 to run about $162 a month, while liability only coverage will average around $82 monthly.

Hallmark has premiums as little as just $20 a month for the 2001 Mazda 626.

Interested in just how much you'll pay? Just enter your ZIP code below to get several customized quotes for free.

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2000 Mazda 626 Car Insurance

It costs about $74 per month for liability or $140 for a full coverage policy for the 2000 626.

Looking for the most affordable policy? Kemper offered liability only coverage for as little as $18 monthly.

If you want to know exactly how much you can expect to pay for your 626, get free quotes in minutes by just entering your ZIP code below.

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1999 Mazda 626 Car Insurance

The average cost to insure a 1999 Mazda 626 with liability only coverage is $69 a month, while full coverage runs around $101 per month.

Shelter Mutual offered the lowest policy we found, with rates sometimes as low as $18 monthly.

Interested in what your auto insurance rate could look like? Enter your ZIP code below to get multiple personalized quotes for free.

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1998 Mazda 626 Car Insurance

On average, drivers who own a 1998 626 can expect to pay $81 to $110 per month for liability only and full coverage car insurance, respectively.

If you're looking for the cheapest possible 1998 Mazda 626 insurance policy, MetLife offered the most affordable policy we found, with rates as low as just $20 a month.

If you want to find the best prices for insurance for a 1998 Mazda 626, enter your ZIP code below and compare a lot of personalized quotes in just a few minutes.

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1997 Mazda 626 Car Insurance

The average cost to insure a 1997 Mazda 626 with liability only coverage is $67 per month, while full coverage runs about $97 monthly.

With rates sometimes as cheap as $20 a month, Mercury offered the lowest policy we found for the 1997 Mazda 626.

If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.

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1996 Mazda 626 Car Insurance

1996 626 drivers can expect to pay an average of $72 per month for liability or $81 for full coverage.

We found Safeco offered the cheapest policy, with rates as cheap as $23 monthly.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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1995 Mazda 626 Car Insurance

It costs around $51 a month for liability or $79 for a full coverage policy for the 1995 Mazda 626.

Elephant offered the most affordable policy we found, with rates sometimes as cheap as $14 monthly.

While these are good estimates of what the average driver might pay to insure a 1995 Mazda 626, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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1994 Mazda 626 Car Insurance

You can expect full coverage for a 1994 626 to run about $118 a month, while liability only coverage will average around $56 per month.

Looking for the lowest policy? Shelter Mutual offered liability only coverage for as little as just $20 monthly.

Want something more accurate than nationwide averages? Get a variety of free customized quotes by just entering your ZIP code below.

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1993 Mazda 626 Car Insurance

On average, drivers who own a 1993 Mazda 626 can expect to pay $59 to $75 per month for liability only and full coverage auto insurance, respectively.

With rates as low as $24 a month, Gainsco offered the cheapest policy we found for the 1993 Mazda 626.

These average premiums are a great starting point if you're in the market for a 1993 Mazda 626, but there are a bunch of different things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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1992 Mazda 626 Car Insurance

It costs about $65 monthly for liability or $37 for a full coverage policy for the 1992 626.

We found Liberty Mutual offered the most affordable policy, with rates as cheap as $27 per month.

If you want to know exactly how much you can expect to pay for your 626, just enter your ZIP code below and get free quotes in minutes.

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1991 Mazda 626 Car Insurance

You can expect full coverage for a 1991 Mazda 626 to run around $90 a month, while liability only coverage will average about $40 per month.

If you're looking for the most affordable 1991 Mazda 626 insurance policy, Dairyland offered the cheapest policy we found, with rates sometimes as little as $33 monthly.

Want to find the best rates? Enter your ZIP code below to get lots of free personalized quotes.

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1990 Mazda 626 Car Insurance

On average, drivers who own a 1990 626 can expect to pay $63 to $84 a month for liability only and full coverage car insurance, respectively.

With prices sometimes as low as $33 monthly, Sun Coast offered the lowest policy we found.

If you want to know exactly how much you can expect to pay for your 626, just enter your ZIP code below and get several free quotes in minutes.

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Mazda 626 Insurance FAQs

Is a Mazda 626 expensive to insure?

Liability insurance runs an average of $73 a month, while full coverage will cost you around $133. The Mazda 626 is less expensive to insure compared to the average vehicle.

How can I get the best price on car insurance for my Mazda 626?

There's only one way to make sure you're getting the cheapest rates -- regularly shopping around and comparing quotes from a whole range of companies. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from lots of carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Mazda 626 affect my insurance rates?

You've probably heard that it costs more to insure red cars than silver or white ones, but that's actually not true. Although there are many factors insurance companies examine when they decide how much your policy will be, your Mazda 626's color is not one of them.

Do I need to have insurance before I buy a Mazda 626?

Before you can legally drive your new (or new to you) 626 off the dealership lot, you'll need to have a valid car insurance policy. Some dealerships will offer you an insurance policy as part of the buying process, but your best bet is letting your auto insurance carrier know before you buy.

What car insurance discounts can I get for my Mazda 626?

There are a ton of discounts out there when it comes to car insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are based less on your vehicle and more on you, but if your 626 has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may be eligible for certain discounts. You'll only know about which discounts you qualify for if you reach out to your insurance company and ask about their list of discounts, since they fluctuate quite a bit from company to company.