How to Find Cheap Mazda MX-5 Miata Insurance Quotes

Average Mazda MX-5 Miata car insurance rates cost $98 per month ($1,174 per year). On average, Mazda MX-5 Miata comprehensive insurance coverage costs $286, collision coverage costs $417, and liability coverage costs $331.

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UPDATED: Jun 30, 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 about $345 less per year than the average vehicle with full coverage around $1,174 a year or $98 a month. The highest rates are for teens who will pay about $4,291 a year or $358 a month.

Good drivers save up to $484 a year in policy discounts by practicing safe driving habits. We’re going to take a quick 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 Porsche 911, Audi TTS, and Jaguar F-TYPE.

VehicleComprehensiveCollisionLiabilityTotal
Porsche 911$482$1,042$398$2,080
Audi TTS$394$714$338$1,582
Jaguar F-TYPE$508$1,102$398$2,166
Kia Stinger$332$626$450$1,588
Audi TT RS$420$774$338$1,668
Ford Mustang$348$718$420$1,666

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 rates for a 2017 Mazda MX-5 Miata are $1,174, while 2010 Mazda MX-5 Miata rates are $982, a difference of $192.

Model YearComprehensiveCollisionLiabilityTotal
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. For instance, a 30-year-old driver may pay $52 more each year for Mazda MX-5 Miata auto insurance than a 40-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 $1,010 a year more than drivers in Indianapolis.

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 auto insurance rates with violations on their driving record.

Mazda MX-5 Miata Crash Test Ratings

If the Mazda MX-5 Miata crash test ratings are good, you could have lower Mazda MX-5 Miata car insurance rates. See Mazda MX-5 Miata crash test results below:

Vehicle TestedOverallFrontalSideRollover
Mazda MX-5 MiataN/RN/RN/RN/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 Mazda MX-5 Miata insurance costs. The 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

The lower percentage means lower Mazda MX-5 Miata car insurance costs; higher percentages mean higher Mazda MX-5 Miata car insurance costs. Compare the following Mazda MX-5 Miata auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.

Insurance Coverage CategoryLoss Rate
Collision-24%
Property Damage-39%
Comprehensive-26%
Personal Injury-28%
Medical Paymentno data
Bodily Injuryno data
Source: Insurance Institute for Highway Safety

Mazda MX-5 Miata Finance and Insurance Cost

If you are financing a Mazda MX-5 Miata, you will pay more if you purchase Mazda MX-5 Miata car insurance at the dealership, so be sure to shop around and compare Mazda MX-5 Miata car insurance quotes from the best companies using our FREE tool below.

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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:

  • Apply for Your Full, Unrestricted License as Soon as You’re Eligible
  • Ask About Usage-Based Insurance for Your Mazda MX-5 Miata
  • Understand that Insurance Companies Can’t Change Your Mazda MX-5 Miata Auto Insurance Rate Mid-Term Based on Changes to Your Credit Score
  • Reduce Modifications on Your Mazda MX-5 Miata
  • Check Your Mazda MX-5 Miata Policy Carefully to Ensure All Information is Correct

Top Mazda MX-5 Miata Insurance Companies

Who is the top car 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.

RankCompanyVolumeMarket Share
1State Farm$65,615,1909.3%
2GEICO$46,106,9716.6%
3Progressive$39,222,8795.6%
4Liberty Mutual$35,600,0515.1%
5Allstate$35,025,9035.0%
6Travelers$28,016,9664.0%
7USAA$23,483,0803.3%
8Chubb$23,388,3853.3%
9Farmers$20,643,5592.9%
10Nationwide$18,442,1452.6%
Source: Insurance Information Institute

Compare Free Mazda MX-5 Miata Insurance Quotes Online

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

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