On average, Mazdas will lose almost half of their original value within the first five years of ownership—which is higher than the average depreciation rate for new vehicles.
You may have heard the saying: A car loses 25% of its value the second it drives off the lot. While not entirely accurate, this saying isn’t wrong in suggesting that all vehicles lose a significant portion of their value quicker than car owners might like. However, some cars depreciate faster than others, and knowing the depreciation rates for different models can save you money
down the road. 
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Mazda depreciation rates aren’t the worst out there but they’re certainly not the best, either. Similar to comparable models, Mazdas go down in value by about 4% to 6% per year, on average, with about 45% of their value lost within the first five years of ownership.
When comparing depreciation rates across time, Mazdas made in 2020 have continued to hold the most value. 2018 and 2019 models have also maintained relatively good value, particularly with the CX-3 and MX-5. On the other hand, the Mazda CX-9 has a forecasted depreciation rate of 58% in five years. With the variability between models and years, it’s important to check out the depreciation rate for your particular vehicle.
What does “depreciation” mean?
Before we dive deep into various depreciation rates for Mazda models, it’s worth going over exactly what depreciation means.
Simply put, depreciation refers to the difference between what you paid for your car and the value it has left. It can be calculated based on:
On average, new vehicles depreciate 40% in the first five years of ownership, with 20% of their value lost in the first year alone. While these estimates are helpful, there are no hard and fast calculations to find out how much a model will depreciate. That’s why there may be various estimates of depreciation for one single model, depending on factors like regular maintenance
, accidents and mileage. Although depreciation is one of the most significant factors in determining the resale value of a vehicle, it’s often overlooked. If you’re in the market for a used car or plan on selling your car a few years down the road, it’s important to understand how an estimated depreciation rate can impact your finances.
Do Mazdas depreciate faster than other vehicles?
When it comes to depreciation rates, Mazda vehicles tend to sit right in the middle of the spectrum.
On the one hand, luxury sedans, SUVs, and sports cars typically lean toward the fast depreciation end of the spectrum, with vehicles like the Audi A6
and Mercedes-Benz E-Class losing nearly 70% of their value in five years. On the other end of the spectrum, notoriously reliable vehicles like the Jeep Wrangler Unlimited
and the Toyota Tacoma
have some of the lowest depreciation rates. While Mazda models tend to depreciate faster than Jeeps and Toyotas, their resale values have improved. Mazda depreciation rates
Below, the tables show the average one-year, three-year, and five-year depreciation rates for the current most popular Mazda models.
Remember that these rates are merely estimates, calculated based on the assumption that a vehicle has been driven 15,000 miles per year and has followed a regular maintenance schedule. Each vehicle's residual value is based on the purchase price shown in each table’s top row (estimated for the 2022 base model).
The actual resale value of your vehicle will vary based on MSRP, model year, condition, options and condition.
Mazda 3 depreciation
Mazda CX-5 depreciation
Mazda 6 depreciation
Mazda CX-3 depreciation
Mazda MX-5 depreciation
Mazda CX-30 depreciation
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How to find out how much your Mazda has depreciated
It’s important to understand your vehicle’s depreciation rate if you’re thinking about selling your car, trying to determine the difference between an outstanding loan and your car’s worth, or if you’re trying to figure out how much car insurance to purchase.
To calculate your car’s rate of depreciation, look up your car’s fair market value and subtract that number from your original purchase price. The resulting amount is the amount of value your car has lost since you purchased it. For specific evaluations, you can use experts like Kelley Blue Book or Edmunds.
How to limit Mazda depreciation
After reviewing the numbers above, you might be wondering what the point of buying a Mazda even is if it's going to lose so much value. After all, it’s still the same vehicle as it was when you bought it, save for a few miles on the odometer.
Luckily, there are ways you can limit your vehicle’s depreciation and retain some of its original value:
Storage: If your car is getting regularly drenched by rain, dumped on by snow, or hit with wind and hail, it’s going to depreciate faster. It’s a good idea to keep your Mazda in a garage or parking area that’s covered.
Mileage: Average depreciation estimates are based on the assumption that vehicles are driving around 15,000 miles per year. If you drive your vehicle less than that, your car won’t depreciate as quickly.
Maintenance: This one might seem obvious, but keeping to a regular maintenance schedule will be a major factor in ensuring your vehicle retains its value. Those oil changes
and tire rotations are certainly important, but cleaning and waxing can also keep your car’s value up. Color: That’s right—certain colors retain their value better than others. When you’re shopping for a new car, try and choose a neutral: white, silver and black cars often maintain higher resale value.
Why you should buy gap insurance for your Mazda
Another way to help your Mazda retain value? Gap insurance
! When you first start paying off your auto loan, you likely owe more than your car is actually worth. Since cars hit their fastest rate of depreciation right out the gate, your steady loan payments can’t keep up with your car’s changing value. With gap insurance, or “Guaranteed Asset Protection” insurance, you’ll be covered from the difference between what you owe on your auto loan and the actual cash value (ACV) payout
(minus your collision deductible) from your insurance company if you total your financed car. Think about it: If your car is totalled, most insurance companies will pay up to the ACV of your car. To find the ACV, companies will subtract your vehicle’s depreciation from the replacement cost—another reason to understand depreciation!
Gap insurance can also cover stolen or totalled vehicles by a different covered peril such as hail or flood if you have comprehensive coverage
. But if applicable, you will need to pay your collision or comprehensive deductible
. “Jerry
brought my insurance deductible down from $2.5k to $1k without me having to switch companies. I even had a ticket on my record. If it can help me, Jerry will definitely help you save money.” —Maxwell N.
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