Buy Cheap Mazda MX-5 Miata Auto Insurance in 2024
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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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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UPDATED: Jul 19, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 19, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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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.
Read More: Buy Cheap Porsche Auto Insurance
| 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 |
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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 | |
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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Frequently Asked Questions
Can I get cheap insurance for my Mazda MX-5 Miata?
Yes, it is possible to find affordable insurance for your Mazda MX-5 Miata. By considering certain factors and shopping around, you can find competitive rates that fit your budget.
What factors affect the cost of insurance for a Mazda MX-5 Miata?
Several factors can influence the cost of insurance for your Mazda MX-5 Miata, including your driving record, location, age, gender, credit history, coverage limits, deductible amount, and the insurance provider you choose.
How can I get cheaper insurance rates for my Mazda MX-5 Miata?
To obtain cheaper insurance rates for your Mazda MX-5 Miata, consider the following steps:
- Compare quotes from multiple insurance providers to find the best deal.
- Maintain a clean driving record and avoid accidents or traffic violations.
- Opt for a higher deductible, which can lower your premium.
- Bundle your auto insurance with other policies, such as home or renters insurance, to qualify for discounts.
- Inquire about available discounts, such as safe driver discounts or loyalty discounts.
- Install safety features in your vehicle, such as anti-theft devices or an alarm system.
Are there any drawbacks to cheap insurance for a Mazda MX-5 Miata?
While cheap insurance for a Mazda MX-5 Miata can be appealing, there are some potential drawbacks to consider:
- Cheap insurance may provide limited coverage, which could leave you financially vulnerable in the event of an accident or damage.
- Lower-cost policies may have higher deductibles, meaning you’ll have to pay more out-of-pocket in the event of a claim.
- Some inexpensive insurance providers may have poor customer service or a slow claims process.
Is it necessary to have comprehensive coverage for my Mazda MX-5 Miata?
Comprehensive coverage is not legally required, but it can provide valuable protection for your Mazda MX-5 Miata. This coverage helps pay for repairs or replacement if your vehicle is damaged due to events other than a collision, such as theft, vandalism, fire, or natural disasters.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.