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Compare Mazda MX-5 Miata Insurance Quotes

The average Mazda MX-5 Miata insurance quotes are $98 per month for full coverage while teenagers may pay Mazda MX-5 insurance costs up to $357.58 per month for full coverage. To find the lowest Mazda MX-5 insurance quotes from the best Mazda MX-5 insurance groups, use our quote comparison tool to shop around for multiple Mazda MX-5 insurance quotes below. Learn more.

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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: Sep 24, 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
  • The 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 quotes are around $345 a year less than the average car with full coverage insurance costing about $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 auto insurance discounts by remaining safe out on the road. Let’s take a closer look at Mazda MX-5 insurance quotes, safety features, and more.

You can start comparing Mazda MX-5 Miata car insurance rates from some of the best car insurance companies by entering your ZIP code in the free online tool above.

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 affordable 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 to buy 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.

Check out this video to see the 2020 Mazda MX-5 Miata in action.

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

How much is insurance on a Miata? If you are financing a Mazda MX-5 Miata, most lenders will require your carry higher Mazda MX-5 Miata coverage options. This includes 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 Quotes

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 Mazda MX-5 Miata auto insurance company? While the actual rates you pay will depend on many factors, here are some of the leading 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

Mazda MX-5 Miata Insurance Quotes: The Bottom Line

If you’re searching for a Mazda sports car, look for a Mazda Miata for sale. The Mazda MX-5 MD Miata and the Miata RF insurance is roughly the same price as the base Mazda MX-5 Miata model. Because the car is so small, it’s probably one of the cheapest cars to insure. Mazda MX-5 insurance for 17-year-old drivers won’t be so cheap to insure.

Start comparing Mazda MX-5 Miata quotes for free by using our FREE online comparison tool. Just enter your ZIP code below to begin.

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

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Frequently Asked Questions: Mazda MX-5 Miata Insurance Quotes

Here are a few answers to frequently asked questions that you may have seen on search engines across the web. The answers will add to what you’ve learned, and they will give you more confidence in insuring a Mazda MX-5 Miata.

#1.  Is a Mazda Miata expensive to insure?

It depends on your budget. The Mazda Miata insurance is $345 less than the average vehicle per year.

#2.  Is a Mazda Miata a good daily driver?

The Mazda Miata is a small sports car. These types of vehicles are designed to endure less rigorous commutes. It’s a perfect car for the weekend.

#3.  Is Mazda Miata reliable?

The Mazda Miata is not rated, so it’s not clear whether it’s reliable. Since it’s a sports car, it’s not a reliable vehicle for daily commutes.

#4.  Is Mazda Miata a girl car?

All cars are not gender-specific. The Mazda Miata is an appropriate vehicle for any driver regardless of age or gender.

#5.  Are Miatas dangerous?

Yes. Mazda Miatas are small vehicles. Therefore, Miatas involved in accidents are more than likely to encounter more damage.

#6.  How much is insurance for a Mazda Miata?

The average full coverage insurance cost for the latest Mazda Miata is $1,202 per year or $100.16 per month.

#7. What is the cost of insurance for a 1993 Mazda Miata, 1997 Mazda Miata, and a 2007 Mazda Miata?

Here is a list of insurance costs for older Mazda Miata Models

  • 1993 Mazda Miata insurance costs about $24 per month for full coverage.
  • 1997 Mazda Miata insurance costs $46 per month.
  • 2007 Mazda Miata insurance costs $76 per month for full coverage auto insurance.

#8.  How much is Mazda Miata insurance for a 16-year-old driver?

Mazda Miata insurance for 16-year-olds is $6,268.

References:

  1. https://www.nhtsa.gov/ratings
  2. https://www.iihs.org/ratings/insurance-losses-by-make-and-model
  3. https://www.iii.org/fact-statistic/facts-statistics-insurance-company-rankings

 

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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