Vehicles & Usage
Mazda Axela Car Insurance Costs in New Zealand: 2026 Premium Data & Quote Comparison
Looking for Mazda Axela insurance in New Zealand? Insurspy’s aggregated historical quote results show that premiums varied materially by cover type, vehicle year, location and insurer. The figures below are results recorded from 24 February 2025 to 15 August 2026, not a promise of the price any driver will receive.
When shopping, compare current car insurance quotes and read the current policy wording.
Summary
- Comprehensive cover averaged $1,273.73 a year, or $114.78 a month.
- Third party cover averaged $263.02 a year, while third party, fire and theft averaged $589.00.
- For comprehensive cover, COVE had the lowest average annual premium in these results at $933.10. That does not mean it will be the lowest quote for every driver.
- In like-for-like comprehensive comparisons, COVE was the lowest-priced option 77.0% of the time and AA 17.4% of the time.
- Large gaps were observed between like-for-like offers. One 2014 comprehensive comparison in Remuera, Auckland (1050) had a $3,117.31 difference between the lowest and highest annual premiums.
| At a glance | Result |
|---|---|
| Mazda Axela vehicles matched | 224 |
| Quotes analysed | 274 |
| Insurer prices analysed | 1,952 |
| Data period | 24 February 2025 to 15 August 2026 |
Mazda Axela premiums by cover type
Cover types are not directly interchangeable. Third party, TPFT and comprehensive policies provide different levels of protection.
| Cover type | Quotes analysed | Average annual premium | Average monthly premium | Median annual premium |
|---|---|---|---|---|
| Comprehensive (CP) | 1,789 | $1,273.73 | $114.78 | $1,218.97 |
| Third party (TP) | 41 | $263.02 | $23.60 | $257.53 |
| Third party, fire and theft (TPFT) | 122 | $589.00 | $52.95 | $598.28 |
Comprehensive insurer price comparison
This table is ordered by average annual comprehensive premium. Premium, excess and agreed-value figures are averages from the historical results. Check each policy’s current terms and cover.
| Insurer | Quotes analysed | Average annual premium | Average excess | Average agreed value |
|---|---|---|---|---|
| COVE | 183 | $933.10 | $501.64 | $10,539.48 |
| AA | 242 | $1,155.15 | $499.79 | $10,669.57 |
| STATE | 227 | $1,246.01 | $499.56 | $10,772.02 |
| AMI | 235 | $1,275.60 | $507.66 | $10,788.72 |
| AMP | 240 | $1,280.39 | $554.17 | $10,445.73 |
| ANZ | 176 | $1,377.46 | $565.34 | $10,792.66 |
| TOWER | 247 | $1,410.53 | $499.19 | $10,586.23 |
| TRADEME | 239 | $1,454.60 | $498.74 | $10,556.06 |
Like-for-like comparisons: who appeared cheapest more often?
Like-for-like means comparing available insurer offers using the same vehicle and insurance details. It is more useful than comparing averages across different drivers, locations or cover choices, but it cannot predict the result of your next quote.
| Insurer | Comprehensive average-price rank | Times lowest priced | Lowest-price share in like-for-like comparisons |
|---|---|---|---|
| COVE | 1 | 141 | 77.0% |
| AA | 2 | 42 | 17.4% |
| STATE | 3 | 15 | 6.6% |
| AMI | 4 | 2 | 0.9% |
| AMP | 5 | 21 | 8.8% |
| ANZ | 6 | 20 | 11.4% |
| TOWER | 7 | 8 | 3.2% |
| TRADEME | 8 | 0 | 0.0% |
Location examples: 2014 Axela comprehensive cover
These are readable comparisons for one vehicle year and one cover type. They show observed historical quote results, not that any location will always be more or less expensive.
| Location | AA | AMI | STATE | TOWER | TRADEME |
|---|---|---|---|---|---|
| Albany, Auckland (0632) | $1,009.17 | $1,158.56 | $1,142.42 | $1,159.20 | $1,200.33 |
| Auckland Central, Auckland (1010) | $1,758.40 | $1,433.32 | $1,413.47 | $1,817.36 | $1,882.07 |
| Central Auckland, Auckland (1041) | $1,380.09 | $1,462.54 | $1,441.37 | $1,503.18 | $1,556.63 |
| Flat Bush, Auckland (2016) | $1,574.11 | $2,015.54 | $1,778.59 | $1,865.43 | $1,931.54 |
| Northwest Auckland, Auckland (0618) | $1,366.66 | $1,393.03 | $1,375.77 | $1,529.66 | $1,584.06 |
Examples of larger like-for-like price spreads
| Vehicle year and cover | Location | Lowest quote | Highest quote | Full spread |
|---|---|---|---|---|
| 2014 comprehensive | Remuera, Auckland (1050) | AA: $1,544.57 | ANZ: $4,661.88 | $3,117.31 |
| 2014 comprehensive | Central Auckland, Auckland (1041) | AA: $1,424.89 | ANZ: $4,242.63 | $2,817.74 |
| 2007 comprehensive | Avondale, Auckland (0600) | STATE: $2,186.91 | TRADEME: $4,629.14 | $2,442.23 |
| 2015 comprehensive | Avondale, Auckland (0600) | AA: $1,664.45 | ANZ: $3,666.33 | $2,001.88 |
| 2016 comprehensive | Auckland Central, Auckland (1010) | COVE: $1,267.63 | TRADEME: $2,564.94 | $1,297.31 |
Vehicle-year distribution
2014 was the most common Axela year in the results. Vehicle year is only one detail: make sure the quoted year, engine and body variant are accurate, especially for an imported car.
| Vehicle year | Vehicles matched |
|---|---|
| 2009 | 19 |
| 2010 | 22 |
| 2012 | 16 |
| 2013 | 20 |
| 2014 | 51 |
| 2015 | 16 |
| 2016 | 8 |
| 2017 | 7 |
| 2018 | 3 |
How we compared the quotes
Insurspy analysed aggregated historical Mazda Axela quote results from 24 February 2025 to 15 August 2026. The results include hatchbacks and sedans, different vehicle years and several cover types. We used average premiums, medians, insurer prices and like-for-like comparisons to show the variation.
These results are a shopping guide only. Your quote can change with vehicle details, driver details, location, cover choice, excess, agreed value and an insurer’s underwriting decision. A zero value should not be treated as free available insurance or a valid comparable premium, so it is not used here as a saving or recommendation.
What to check before buying
| Check | Why it matters |
|---|---|
| Cover and exclusions | Do not compare premium alone; confirm what each policy actually covers. |
| Market value or agreed value | These are different claim-value approaches. Check the option applying to your Axela. |
| Excess | A higher excess will generally lower the premium, but it should be affordable if you claim. |
| Vehicle and driver details | Imported Axela year, engine and body details should be entered accurately. |
| Current policy wording | The wording determines limits, exclusions and excesses. |
What New Zealand drivers discuss on Reddit
These are themes from individual public discussions. They are not representative evidence and are not a substitute for policy wording or personalised quotes.
- In an r/NZcarfix Axela discussion, drivers discussed online databases potentially matching an imported Axela to the wrong year, engine or body variant. The cautious theme was asking the insurer to confirm the vehicle details on the policy.
- A PersonalFinanceNZ discussion considered differences between insurer quotes, alongside checking policy quality and personal circumstances.
- Another PersonalFinanceNZ thread mentioned Axela insurance as one part of total ownership costs. These are personal experiences and should not be used to infer general premiums or risk.
FAQ
What is the average cost of comprehensive Mazda Axela insurance?
In the historical results used for this guide, comprehensive cover averaged $1,273.73 a year and $114.78 a month. Your own quote may differ.
Should I choose the cheapest policy?
Not on price alone. New Zealand Consumer Protection guidance says to compare what is covered and excluded, including whether the vehicle is insured for market value or agreed value.
Is a higher excess always better?
No. A higher excess will generally reduce the premium, but you should be able to afford it if you need to claim.
Author and content note
This guide was prepared by the Insurspy consumer content team to help New Zealand readers understand visible differences in historical Mazda Axela quote results. It is not financial, legal or insurance advice, and is not a recommendation or underwriting promise from any insurer. Get fresh quotes and read the current policy wording before buying.
References
- Insurspy data note: aggregated historical Mazda Axela quote results, 24 February 2025 to 15 August 2026.
- New Zealand Consumer Protection: Car insurance
- Insurance Council of New Zealand: Duty of Disclosure: What to Tell Your Insurer