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

Quick Facts

• Insuring a Mazda MPV costs about the same as insuring the average truck.
• Liability car insurance for a MPV comes in at around $73 a month, while full coverage normally averages about $127 monthly.
• The most affordable auto insurance company for a MPV is ACG.

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MPV Overview

With a base price of just $22,115 for 2006 models, the Mazda MPV is a great car for drivers on a budget.

We sifted through thousands of insurance quotes on Compare.com, and we've found that Mazda MPV auto insurance premiums are around $95 per month, on average. But how does that compare to other trucks on the market?

How Much is Car Insurance for a Mazda MPV?

In the table above, you'll find that compared to other vehicles, Mazda MPV insurance prices are below average. On average, MPV owners will pay about $73 a month for liability insurance, and around $127 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (discover more about the difference with our guide "State Minimum vs. Full Coverage").

Compared to other Mazda models, the MPV is more affordable, with rates more than 10% lower than the rest of the company's vehicle lineup. However, MPV coverage runs close to average when compared to other vehicles of a similar body style, with full coverage insurance prices $1 cheaper than other trucks and liability insurance rates coming in at $3 higher.

When compared to all vehicles of any body type, full coverage premiums are more affordable for a MPV, but run higher than average for liability only policies.

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Who has the Cheapest Car Insurance for a Mazda MPV?

If you're browsing for a new auto insurance policy for your Mazda MPV, you may be most interested in which carrier offers the most affordable premiums. While there will never be one company that has the lowest rates for everyone, the lowest average rates for liability only insurance are sometimes just $24 a month from Coverhound. The next cheapest carrier is Encompass, who offers car insurance sometimes as cheap as $26 per month.

Finishing off the rest of the top 5 are Mile Auto, Jupiter, and Oasis. But just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Mazda MPV.

Car insurance companies take a wide array of different factors into consideration when calculating how much to charge you. By reviewing quotes from a wide array of insurance carriers at once, you can be confident you're finding the most affordable rate.

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What Factors Affect Car Insurance Rates for a Mazda MPV?

There are a lot of variables that auto insurance companies reference to calculate how much they charge for car insurance -- and each company uses a different formula, so there's not a single carrier that's the cheapest for every driver.

Below are just a few of the things insurance carriers look at and how each one affects your final rate:

Vehicle Age

The Mazda MPV has been around for a while -- that means vehicle age can play a big role in what you end up paying for car insurance. Usually, it costs less to insure older cars because they're worth less than newer models, and as time goes on and MPVs continue to depreciate, insurance costs will gradually get lower.

A new Mazda MPV model hasn't been added to the market for over 5 years, so the MPV won't really fit this trend. However, as you can see in the table above, the cheapest Mazda MPVs to insure are those that are 8 to 10 years old, while the most expensive models are MPVs that are 15 years old or more, on average.

Your Age

Your age is another factor that makes a difference in how much insurance companies will charge you for a policy. In the table above, you'll see that young MPV drivers pay more for auto insurance than those with more experience on the road. In this case, drivers between 18 and 24 pay $3 more than those 25 or older.

Auto insurance prices continue to go down as you get older, with the cheapest age group for MPV drivers being 55-64.

Your Gender

Did you know men tend to pay more for car insurance than women? This is because women are less likely to get tickets and get into collisions, which decreases the chances of an insurance claim. Surprisingly, for MPV drivers, this trend does not hold, and women pay more for their auto insurance than men.

Where You Live

It may be obvious that variables like how old you are and what vehicle you drive play a role in your insurance prices, but did you know that where you live can have just as much as an impact? Because car insurance is regulated on the state level rather than nationally, premiums can change quite a bit from state to state.

For example, the average Mazda MPV driver in New York pays about $284 a month for liability coverage, while on average, the same owner in California will pay only a fifth of that price. The table above shows average rates for the 10 largest states by population, just to give you a good idea of how much premiums can change between states.

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Mazda MPV Car Insurance Discounts

Whatever what state you live in, which vehicle you drive, or how old you are, it's always a smart move to take advantage of as many insurance discounts as possible when shopping around for a new policy.

Even though all auto insurance carriers offer their own unique discounts, there are a few different ones that you'll find with most companies. These include things like:

• Pay-in-full discounts for drivers who agree to pay their entire policy premium up front, rather than by monthly payments
• Multi-policy discounts for using the same insurance company for both your home and auto insurance
• Multi-vehicle discounts for having more than one car on your auto policy
• Defensive driving discounts for taking a defensive driving class from a certified school or institution

But these aren't the only discounts insurance carriers offer to their customers. Sometimes, the best rates come from simply having a favorable insurance profile, which means not having any recent insurance claims or just having a clean driving record.

Although you can't control every variable auto insurance carriers take a look at to calculate rates (like some of the ones mentioned above), you can influence some of them. Below are just a few of the factors you can use to your advantage when it comes to saving money:

Your Driving Record

You've most likely observed ads from car insurance companies promoting big savings for responsible drivers. It shouldn't come as a surprise that your insurance prices will get higher if you get speeding tickets or get into a collision. But exactly how much can these infractions cost you?

Looking at the table above, you'll see that accidents will usually cost MPV drivers more than tickets, but both will result in higher than normal rates. Mazda MPV drivers with a single accident on their record pay an average of $94 each month (up $21 from the $73/mo. overall average), while drivers with one ticket will pay about $89 monthly. Those who have multiple kinds of either violation will end up paying even more.

How Much You Drive

The total amount of miles you drive each year affects your car insurance premiums. Those who are on the roads less often are less likely to get tickets, so they'll generally end up paying less for auto insurance. In the above table, you can see that Mazda MPV owners who drive between 5,000 and 7,500 miles per year pay about $66 a month for car insurance, while those who put less than 2,500 miles on their cars pay $107.

If you drive a limited amount, it may be worth considering pay-per-mile or usage-based auto insurance. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Mazda MPVs Compare to Other Vehicles?

If you're thinking about buying a new vehicle and a Mazda MPV is on your shortlist, it might be helpful to do your research. Insurance is just one cost that's associated with a new car purchase, but it's definitely one that's worth thinking about carefully.

Visit the table below to see how the Mazda MPV stacks up:

Overall, the Mazda MPV has an average MSRP and is in line with the going rate for a new vehicle. The MPV's $29,878 base MSRP is right on trend with the national average of $22,115. And since there hasn't been a new MPV model on the market in the last few years, used prices will be even cheaper.

Although the MPV has a pretty average price, insurance rates run below average when compared to other vehicles on the market. Liability insurance for a Mazda MPV is around $18 per month less than average, while full coverage is over $50 less per month.

When it comes to usage, Mazda MPV drivers are near the national average in annual miles driven, with 11,360 miles a year compared to 11,617 for all vehicles.

Mazda MPV Car Insurance Costs by Model Year

Thus far, you've seen how different variables affect how much the average driver pays for car insurance. But if you're in thinking about buying a new car, truck, or SUV and the MPV is on your wishlist, having a good idea of exactly what you'll pay can be extremely helpful as you weigh your choices.

Choose Your Model

2006 Mazda MPV Car Insurance 2005 Mazda MPV Car Insurance 2004 Mazda MPV Car Insurance 2003 Mazda MPV Car Insurance 2002 Mazda MPV Car Insurance 2001 Mazda MPV Car Insurance 2000 Mazda MPV Car Insurance 1998 Mazda MPV Car Insurance 1997 Mazda MPV Car Insurance 1996 Mazda MPV Car Insurance 1995 Mazda MPV Car Insurance 1994 Mazda MPV Car Insurance

2006 Mazda MPV Car Insurance

You can expect full coverage for a 2006 Mazda MPV to run about $116 monthly, while liability only coverage will average around $63 a month.

With premiums as little as $20 per month, Oasis offered the lowest policy we found for the 2006 Mazda MPV.

Interested in exactly how much you'll pay? Enter your ZIP code below to get lots of free customized quotes.

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2005 Mazda MPV Car Insurance

The average cost to insure a 2005 MPV with liability only coverage is $67 monthly, while full coverage runs about $119 per month.

If you're looking for the cheapest possible 2005 Mazda MPV insurance policy, Sun Coast offered the cheapest policy we found, with rates as low as just $20 monthly.

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

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2004 Mazda MPV Car Insurance

2004 Mazda MPV drivers can expect to pay an average of $82 a month for liability or $118 for full coverage.

With rates sometimes as low as $21 per month, Oasis offered the lowest policy we found.

If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.

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2003 Mazda MPV Car Insurance

It costs around $78 a month for liability or $112 for a full coverage policy for the 2003 MPV.

Gainsco offered the most affordable policy we found, with rates as cheap as $19 monthly.

If you're looking for a more exact figure on what you should pay for insurance for a 2003 Mazda MPV, you can get free quotes in minutes by just entering your ZIP code below.

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2002 Mazda MPV Car Insurance

On average, drivers who own a 2002 Mazda MPV can expect to pay $71 to $100 per month for liability only and full coverage car insurance, respectively.

Looking for the cheapest policy? Mercury offered liability only coverage for as little as just $19 monthly.

Want something more accurate than nationwide averages? Just enter your ZIP code below to get multiple free personalized quotes.

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2001 Mazda MPV Car Insurance

It costs about $96 a month for liability or $269 for a full coverage policy for the 2001 MPV.

Workmens has prices sometimes as little as $22 monthly for the 2001 Mazda MPV.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2000 Mazda MPV Car Insurance

2000 Mazda MPV drivers can expect to pay an average of $63 a month for liability or $102 for full coverage.

We found Mercury offered the lowest policy, with rates as low as $15 per month.

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

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1998 Mazda MPV Car Insurance

You can expect full coverage for a 1998 MPV to run around $99 monthly, while liability only coverage will average about $46 per month.

Mercury offered the most affordable policy we found, with rates as cheap as just $19 a month.

Interested in just how much you'll pay? Enter your ZIP code below to get several free personalized quotes.

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1997 Mazda MPV Car Insurance

The average cost to insure a 1997 Mazda MPV with liability only coverage is $59 per month, while full coverage runs around $100 a month.

We found Mile Auto offered the cheapest policy, with rates as low as $24 monthly.

While these are good estimates of what the average driver might pay to insure a 1997 Mazda MPV, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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1996 Mazda MPV Car Insurance

On average, drivers who own a 1996 MPV can expect to pay $40 to $61 per month for liability only and full coverage auto insurance, respectively.

Liberty Mutual has premiums sometimes as low as $19 a month for the 1996 Mazda MPV.

What could your insurance premium look like? Enter your ZIP code below to get a variety of personalized quotes for free.

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1995 Mazda MPV Car Insurance

You can expect full coverage for a 1995 Mazda MPV to run about $143 monthly, while liability only coverage will average around $48 per month.

With prices as cheap as $25 a month, Mercury offered the lowest policy we found.

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

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1994 Mazda MPV Car Insurance

1994 MPV drivers can expect to pay an average of $45 monthly for liability or undefined for full coverage.

With rates as cheap as just $23 a month, Kemper offered the most affordable policy we found for the 1994 Mazda MPV.

These average premiums are a great starting point if you're in the market for a 1994 Mazda MPV, but there are a range of 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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Mazda MPV Insurance FAQs

Is a Mazda MPV expensive to insure?

The cost of auto insurance for the Mazda MPV is about the same as insuring the average truck. Liability insurance runs an average of $73 per month, while full coverage will cost you around $127.

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

The only way to guarantee you're getting the lowest price on car insurance is to check prices regularly and compare quotes from numerous carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a multitude of companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Mazda MPV affect my insurance premiums?

Have you heard the old adage that it costs more to insure a red car before? Well, that's just a myth. There are an array of variables insurance carriers use when they decide how much your policy will be, but the color of your MPV is not used to make that determination.

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

You'll need to have a car insurance policy in place before you can legally driver your new (or new to you) car off the dealership lot. Some dealerships may offer you an auto insurance policy as part of the car-buying process, but the best thing to do when buying a an truck is to talk with your auto insurance company beforehand.

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

You will find all sorts of discounts out there for car insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are more based on you than the vehicle you drive, but if your MPV has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may qualify for certain discounts. The only way to find out is to get in touch with your insurance carrier and ask about which discounts they offer.