UPDATED: Oct 27, 2020
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- 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.
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.
|Porsche 718 Cayman||$458||$1012||$398||$2,026|
|Audi TT RS||$420||$774||$338||$1,668|
|Porsche 718 Boxster||$444||$952||$338||$1,870|
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.
|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|
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.
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:
|Small overlap front: driver-side||N/R|
|Small overlap front: passenger-side||N/R|
|Moderate overlap front||N/R|
|Head restraints and seats||N/R|
|Source: Insurance Institute for Highway Safety|
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.
|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|
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|
|Medical Payment||no data|
|Bodily Injury||no data|
|Source: Insurance Institute for Highway Safety|
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.
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.
|Source: Insurance Information Institute|
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