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Compare Mazda MX-5 Miata Insurance Quotes

If you want to buy cheap Mazda MX-5 Miata insurance coverage then you should know that a policy will cost $98 per month ($1,174 per year) on average. Finding Mazda MX-5 Miata teenager insurance rates can cost on average $4,291 a year, so shop around to find cheap coverage.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 23, 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

Mazda MX-5 Miata insurance rates are around $345 a year less than the average vehicle with full coverage costing around $1,174 a year or $98 a month. Drivers of an older Mazda MX-5 Miata may decide to get liability only coverage which costs around $471 a year or $39 a month.

Good drivers can save up to $484 a year in policy discounts by remaining safe out on the road. Let’s take a closer look at Mazda MX-5 Miata insurance rates, safety features, and more.

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 costs 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 Audi R8, Porsche 718 Boxster, and Kia Stinger.

Vehicle Comprehensive Collision Liability Total
Audi R8 $594 $1,338 $398 $2,488
Porsche 718 Boxster $444 $952 $338 $1,870
Kia Stinger $332 $626 $450 $1,588
Cadillac ATS-V $406 $834 $398 $1,796
Chevrolet Camaro $348 $594 $372 $1,472
Audi RS 7 $532 $1,102 $398 $2,190

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 will affect 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, car 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

Driver Age

Driver age can have a significant impact on the cost of Mazda MX-5 Miata auto insurance. For example, 20-year-old drivers pay approximately $1,435 each year for their Mazda MX-5 Miata auto insurance than 30-year-old drivers.

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 $435 a year more than drivers in Philadelphia.

Your Driving Record

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

Mazda MX-5 Miata Crash Test Ratings

Mazda MX-5 Miata crash test ratings can impact the cost of your Mazda MX-5 Miata car insurance. See Mazda MX-5 Miata crash test results below:

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

Mazda MX-5 Miata Safety Features

Having a variety of safety features on your Mazda MX-5 Miata can help lower your insurance costs. According to AutoBlog, the 2020 Mazda MX-5 Miata’s safety features include:

  • Rearview camera
  • Blind-spot monitoring
  • Rear cross-traffic alert
  • Lane departure warning
  • Smart City Brake Support

Mazda MX-5 Miata Insurance Loss Probability

Another contributing factor that affects Mazda MX-5 Miata car insurance rates is the loss probability for each type of coverage.

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

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 auto insurance quotes from the best auto insurance companies using our FREE tool below.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to Save on Mazda MX-5 Miata Insurance

If you want to reduce the cost of your Mazda MX-5 Miata insurance rates, follow these tips below:

  • Renew Your Mazda MX-5 Miata Insurance Coverage to Avoid Lapses
  • Save Money on Young Driver Mazda MX-5 Miata Insurance By Mentioning Grades or GPA
  • Audit Your Mazda MX-5 Miata Driving When You Move to a New Location or Start a New Job
  • Take a Defensive Driving Course or Any Driver’s Education Course
  • Remove Young Drivers from Your Mazda MX-5 Miata Insurance Plan

Top Mazda MX-5 Miata Insurance Companies

Who is the top auto insurance company for Mazda MX-5 Miata insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Mazda MX-5 Miata auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Mazda MX-5 Miata offers.

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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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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