Compare Mazda MX-5 Miata Insurance Quotes

If you want to buy Mazda MX-5 Miata insurance coverage then a policy will cost $98 per month ($1,174 per year) on average. Good drivers can save as much as $1,811 a year over higher risk drivers.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 2020

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Key takeaways:

  • Full coverage costs around $1,174 a year or $98 each month
  • A liability-only policy costs around $471 a year or $39 each month
  • Highest rates are for teenage drivers at around $4,291 a year or $358 each month
  • Good drivers can save as much as $484 a year by earning policy discounts
  • Mazda MX-5 Miata insurance costs around $345 less per year than the average vehicle

Don’t let Mazda MX-5 Miata insurance rates trip you up. Full coverage for a Mazda MX-5 Miata costs around $1,174 a year or $98 each month. Read on to learn about rate factors and ways to save on Mazda MX-5 insurance rates.

You can start comparing quotes for Mazda MX-5 Miata car insurance rates from some of the best car insurance companies by using our free online tool now.

Mazda MX-5 Miata Insurance Cost

The average Mazda MX-5 Miata car insurance rates are $1,174 a year or $98 a month.

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Are Mazda MX-5 Miatas Expensive to Insure?

The chart below details how Mazda MX-5 Miata insurance rates compare to other sports cars like the Jaguar F-TYPE, Porsche 718 Cayman, and Audi TT RS.

Vehicle Comprehensive Collision Liability Total
Jaguar F-TYPE $508 $1102 $398 $2,166
Porsche 718 Cayman $458 $1012 $398 $2,026
Audi TT RS $420 $774 $338 $1,668
Chevrolet Camaro $348 $594 $372 $1,472
Audi R8 $594 $1338 $398 $2,488
Porsche 718 Boxster $444 $952 $338 $1,870
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However, there are a few things you can do to find the cheapest Mazda insurance rates online.

What Impacts the Cost of Mazda MX-5 Miata Insurance?

The Mazda MX-5 Miata trim and model you choose can impact the total price you will pay for Mazda MX-5 Miata insurance coverage.

Age of the Vehicle

Older Mazda MX-5 Miata models generally cost less to insure. For example, auto insurance for a 2017 Mazda MX-5 Miata costs $1,174, while 2010 Mazda MX-5 Miata insurance costs are $982, a difference of $192.

Model Year Comprehensive Collision Liability Total
2017 Mazda MX-5 Miata $248 $436 $354 $1,174
2016 Mazda MX-5 Miata $240 $418 $364 $1,158
2015 Mazda MX-5 Miata $226 $404 $376 $1,142
2014 Mazda MX-5 Miata $218 $374 $384 $1,112
2013 Mazda MX-5 Miata $208 $352 $388 $1,084
2012 Mazda MX-5 Miata $200 $316 $390 $1,042
2011 Mazda MX-5 Miata $188 $292 $390 $1,006
2010 Mazda MX-5 Miata $180 $272 $394 $982
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Driver Age

Driver age can have a significant impact on Mazda MX-5 Miata auto insurance rates. As an example, a 40-year-old driver could pay $124 less each month for their Mazda MX-5 Miata auto insurance compared to a 20-year-old driver.

Driver Location

Where you live can have a large impact on Mazda MX-5 Miata insurance rates. For example, drivers in Los Angeles may pay $168 a year more than drivers in Houston.

Your Driving Record

Your driving record can have an impact on the cost of Mazda MX-5 Miata auto insurance. Teens and drivers in their 20’s see sees the highest jump in their Mazda MX-5 Miata car insurance with violations on their driving record.

Mazda MX-5 Miata Safety Ratings

The Mazda MX-5 Miata’s safety ratings will affect your Mazda MX-5 Miata auto insurance rates. See the chart below:

Test Type Rating
Small overlap front: driver-side N/R
Small overlap front: passenger-side N/R
Moderate overlap front N/R
Side N/R
Roof strength N/R
Head restraints and seats N/R
Source: Insurance Institute for Highway Safety
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Mazda MX-5 Miata Crash Test Ratings

Not only do good Mazda MX-5 Miata crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper Mazda MX-5 Miata auto insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2005 Mazda Miata/MX-5 Convertible N/R 4 stars 3 stars 5 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Mazda MX-5 Miata Safety Features

The more safety features you have on your Mazda MX-5 Miata, the more likely it is that you can earn a discount. The Mazda MX-5 Miata’s safety features include:

  •  Rearview camera
  • Blind-spot monitoring
  • Rear cross-traffic alert
  • Lane departure warning
  • Forward collision warning
  • Automatic emergency braking system

Mazda MX-5 Miata Insurance Loss Probability

The Mazda MX-5 Miata’s insurance loss probability varies between different coverage types. The lower percentage means lower Mazda MX-5 Miata auto insurance costs; higher percentages mean higher Mazda MX-5 Miata auto insurance costs.

Insurance Coverage Category Loss Rate
Collision -24%
Property Damage -39%
Comprehensive -26%
Personal Injury -28%
Medical Payment no data
Bodily Injury no data
Source: Insurance Institute for Highway Safety
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Mazda MX-5 Miata Finance and Insurance Cost

If you are financing a Mazda MX-5 Miata, most lenders will require your carry higher Mazda MX-5 Miata coverage options including comprehensive coverage, so be sure to shop around and compare Mazda MX-5 Miata car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Mazda MX-5 Miata Insurance

Drivers can end up saving more money on their Mazda MX-5 Miata car insurance rates by employing any one of the following strategies.

  • Tell Your Insurer About Different Drivers or Uses for Your Mazda MX-5 Miata
  • Remove Unnecessary Insurance Once Your Mazda MX-5 Miata is Paid Off
  • Save Money on Young Driver Mazda MX-5 Miata Insurance By Mentioning Grades or GPA
  • Park Your Mazda MX-5 Miata Somewhere Safe – like a Garage or Private Driveway
  • Consider Using a Tracking Device on Your Mazda MX-5 Miata

Top Mazda MX-5 Miata Insurance Companies

Several top car insurance companies offer competitive rates for the Mazda MX-5 Miata rates based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with Mazda MX-5 Miata drivers organized by market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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