Vehicles & Usage
Mazda Demio Car Insurance Costs in New Zealand: 2026 Premium Data & Quote Comparison
Wondering what Mazda Demio insurance may cost in New Zealand? Insurspy’s aggregated historical quote results show that premiums can vary substantially by cover type, insurer, vehicle year, location and personal details. These figures are a comparison starting point, not a guaranteed quote for any driver.
Compare New Zealand car insurance quotes, and check cover, exclusions and excesses before you buy.
Summary
- The average annual premium was NZ$1,251.84 for comprehensive cover, NZ$520.72 for third party fire and theft, and NZ$255.26 for third party cover.
- For comprehensive cover, COVE had the lowest average annual premium in the results at NZ$1,028.38, followed by AA at NZ$1,097.73 and STATE at NZ$1,115.96.
- In like-for-like comprehensive comparisons, COVE was the lowest-priced option in 59.0% of comparisons. This does not mean it will be the best fit for every driver or policy need.
- Historical comprehensive premiums ranged from NZ$329.01 to NZ$4,800.68, underlining the value of obtaining fresh quotes.
- Prices from different insurers could be thousands of dollars apart for the same comparable details. One 2016 Demio comparison in Auckland Central, Auckland (1010) had a NZ$2,785.96 gap between the lowest and highest annual price.
| Cover type | Quotes analysed | Average annual premium | Annual range | Average monthly premium |
|---|---|---|---|---|
| Comprehensive | 1,504 | NZ$1,251.84 | NZ$329.01–NZ$4,800.68 | NZ$112.86 |
| Third party | 60 | NZ$255.26 | NZ$132.08–NZ$451.03 | NZ$22.82 |
| Third party fire and theft | 289 | NZ$520.72 | NZ$222.46–NZ$1,131.36 | NZ$46.87 |
Comprehensive cover: insurer price comparison
This table summarises all Mazda Demio comprehensive historical results analysed, rather than a direct comparison of identical driver details. An average premium is not a replacement for a fresh quote.
| Insurer | Quotes analysed | Average annual premium | Average monthly premium | Lowest-price share in like-for-like comparisons |
|---|---|---|---|---|
| COVE | 139 | NZ$1,028.38 | NZ$102.55 | 59.0% |
| AA | 206 | NZ$1,097.73 | NZ$101.07 | 21.8% |
| STATE | 194 | NZ$1,115.96 | NZ$93.01 | 15.5% |
| AMI | 197 | NZ$1,154.88 | NZ$96.25 | 2.0% |
| AMP | 198 | NZ$1,225.10 | NZ$111.98 | 10.1% |
| TOWER | 213 | NZ$1,413.93 | NZ$129.40 | 3.8% |
| TRADEME | 210 | NZ$1,454.73 | NZ$133.13 | 0.0% |
| ANZ | 147 | NZ$1,499.68 | NZ$135.87 | 18.4% |
Third party fire and theft: average premium comparison
Third party fire and theft cover commonly sits between third party-only and comprehensive cover. Compare the actual policy cover and exclusions, not price alone.
| Insurer | Quotes analysed | Average annual premium | Average monthly premium | Lowest-price share in like-for-like comparisons |
|---|---|---|---|---|
| STATE | 42 | NZ$406.39 | NZ$33.87 | 47.6% |
| ANZ | 30 | NZ$412.61 | NZ$37.82 | 43.3% |
| AMI | 40 | NZ$417.32 | NZ$34.78 | 7.5% |
| AMP | 44 | NZ$469.92 | NZ$42.97 | 9.1% |
| AA | 42 | NZ$552.23 | NZ$51.83 | 11.9% |
| TOWER | 46 | NZ$655.21 | NZ$59.91 | 4.3% |
| TRADEME | 45 | NZ$674.17 | NZ$61.65 | 0.0% |
Location comparison: 2016 Demio comprehensive cover
This is an observation of prices by location for the same vehicle year and cover type. Location labels are area names, not street addresses. Each row contains a different number of results, so this table does not show that location caused any price difference.
| Location | AA | AMI | STATE | COVE | ANZ |
|---|---|---|---|---|---|
| Albany, Auckland (0632) | NZ$1,035.43 | NZ$1,193.95 | NZ$1,176.32 | NZ$1,280.44 | NZ$2,625.82 |
| Auckland Central, Auckland (1010) | NZ$2,065.93 | NZ$1,595.80 | NZ$1,568.83 | — | NZ$4,354.79 |
| Milford, Auckland (0620) | NZ$1,585.79 | NZ$1,436.24 | NZ$1,447.94 | — | NZ$1,759.22 |
| Northcote, Auckland (0627) | NZ$1,311.33 | NZ$1,370.48 | NZ$1,254.41 | NZ$1,072.26 | NZ$1,296.13 |
Price spreads in like-for-like comparisons
A like-for-like comparison means multiple insurers were priced against the same comparable vehicle and insurance details. It is more useful than comparing broad averages alone, but remains a historical result.
| Vehicle year | Location | Lowest price | Highest price | Full spread |
|---|---|---|---|---|
| 2016 | Auckland Central, Auckland (1010) | STATE: NZ$1,568.83 | ANZ: NZ$4,354.79 | NZ$2,785.96 |
| 2014 | Highland Park, Auckland (2010) | AA: NZ$1,404.74 | ANZ: NZ$3,719.16 | NZ$2,314.42 |
| 2013 | Rototuna, Hamilton (3210) | AMP: NZ$1,342.42 | ANZ: NZ$3,329.87 | NZ$1,987.45 |
| 2016 | Albany, Auckland (0632) | AA: NZ$1,007.62 | ANZ: NZ$2,978.09 | NZ$1,970.47 |
| 2015 | Mount Wellington, Auckland (1060) | AA: NZ$1,025.54 | ANZ: NZ$2,614.73 | NZ$1,589.19 |
Excess and agreed value: comprehensive cover observations
This table shows average excess and agreed-value figures from historical results only; it does not establish which cover is better. New Zealand Government consumer guidance says a higher excess will generally reduce the premium, but you should choose an amount you could comfortably pay after a claim and check whether more than one excess may apply.
| Insurer | Average annual premium | Average excess | Average agreed value |
|---|---|---|---|
| COVE | NZ$1,028.38 | NZ$460.07 | NZ$6,970.35 |
| AA | NZ$1,097.73 | NZ$468.20 | NZ$7,089.32 |
| STATE | NZ$1,115.96 | NZ$465.46 | NZ$7,307.38 |
| AMI | NZ$1,154.88 | NZ$472.59 | NZ$7,284.85 |
| AMP | NZ$1,225.10 | NZ$526.77 | NZ$6,958.32 |
| ANZ | NZ$1,499.68 | NZ$540.14 | NZ$7,142.52 |
How we compared the quotes
Insurspy analysed aggregated historical Mazda Demio quote results dated from 14 March 2025 to 19 August 2026. The data covered 208 matched vehicles, 277 quote records and 1,853 insurer prices. The vehicles were hatchbacks from model years 1996 to 2019.
| Item | Scope |
|---|---|
| Data period | 14 March 2025 to 19 August 2026 |
| Matched vehicles | 208 Mazda Demios |
| Quote records | 277 |
| Insurer prices | 1,853 |
| Vehicle years | 1996–2019 |
| Cover types | Comprehensive, third party, third party fire and theft |
Important limitations: Historical quotes are not live prices and cannot predict your premium. Driver age, driving history, vehicle use, parking, address, claims history, selected cover, excess and vehicle value may all affect a fresh quote. Give complete, current and relevant information when applying, renewing, claiming or when circumstances change; relevant non-disclosure can affect claim payment.
What New Zealand drivers discuss on Reddit
The following are individual public discussions and anecdotes from Reddit. They are not representative evidence and are not a substitute for policy wording or personalised quotes.
- In a Demio insurance discussion on r/PersonalFinanceNZ, an owner discusses comparing comprehensive quotes, while commenters raise cover levels, driver age and excess.
- A separate renewal premium discussion includes Demio purchase considerations, theft concerns and changing renewal prices. These are personal perceptions and experiences.
- In a private car-buying discussion, commenters suggest checking insurance pricing before buying a Demio. Claims about theft risk for particular models are community views, not verified evidence.
Frequently asked questions
What is the average cost of Mazda Demio comprehensive insurance?
Across 1,504 comprehensive historical quotes analysed by Insurspy, the average annual premium was NZ$1,251.84 and the average monthly premium was NZ$112.86. Your own price may be higher or lower.
Should I choose the lowest premium only?
No. New Zealand Government consumer guidance says to compare what each policy covers and excludes as well as the premium. Check excesses, vehicle value and the protection you need.
When should I get fresh quotes?
It is worth comparing again before buying a vehicle, before renewal, after moving home, if drivers or vehicle use change, or when you want to change cover or excess. Quotes can change, and this historical data cannot replace today’s quote.
Author and content note
This guide was prepared by the Insurspy editorial team for New Zealand consumers, using Insurspy’s aggregated historical quote results and New Zealand Government consumer guidance. It is general information, not financial, legal or insurance advice, and is not a recommendation or rating of any insurer. Read the policy documents and obtain fresh quotes suitable for your circumstances before buying.
References
- Insurspy data note (not linked): aggregated Mazda Demio historical quote results, 14 March 2025 to 19 August 2026.
- New Zealand Government Consumer Protection: Car insurance
- New Zealand Government Consumer Protection: Insurance