What is the Best Car Insurance for a Mazda MX-5 Miata?

Getting Mazda MX-5 Miata insurance quotes will cost on average $98 per month ($1,174 per year). 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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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Feb 17, 2021

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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 $98 per month for full coverage, while liability-only coverage costs $39 per month. When you insure Mazda MX-5 Miata, you can save $345 per year. Continue reading to learn more about how you can save on policy discounts.

You can start comparing quotes for Mazda MX-5 Miata auto insurance rates from some of the best auto insurance companies by using our free online tool now.

Mazda MX-5 Miata Insurance Cost

The average Mazda MX-5 Miata auto 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 Audi RS 7, Chevrolet Camaro, and Ford Mustang.

Vehicle Comprehensive Collision Liability Total
Audi RS 7 $532 $1102 $398 $2,190
Chevrolet Camaro $348 $594 $372 $1,472
Ford Mustang $348 $718 $420 $1,666
Audi TTS $394 $714 $338 $1,582
Porsche 718 Boxster $444 $952 $338 $1,870
Porsche 718 Cayman $458 $1012 $398 $2,026
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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

The average Mazda MX-5 Miata auto insurance rates are higher for newer models. 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
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Driver Age

Driver age can have a significant effect on the cost of Mazda MX-5 Miata auto insurance. For example, a 20-year-old driver could pay around $120 more each month for their Mazda MX-5 Miata auto insurance than 30-year-old driver.

Driver Location

Where you live can have a large impact on Mazda MX-5 Miata insurance rates. For example, drivers in Jacksonville may pay $704 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 auto 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 Safety Ratings

Your Mazda MX-5 Miata auto insurance rates are influenced by the safety ratings of the Mazda MX-5 Miata. See the breakdown below:

Test Type Rating
Small overlap front: driver-side N/A
Small overlap front: passenger-side N/A
Moderate overlap front N/A
Side N/A
Roof strength N/A
Head restraints and seats N/A
Source: Insurance Institute for Highway Safety
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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 auto insurance rates. 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
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Mazda MX-5 Miata Safety Features

The numerous safety features of the Mazda MX-5 Miata help contribute to lower insurance rates. The 2020 Mazda MX-5 Miata has the following safety features:

  • Electronic Stability Control (ESC)
  • ABS And Driveline Traction Control
  • Side Impact Beams
  • Dual Stage Driver And Passenger Seat-Mounted Side Airbags
  • Low Tire Pressure Warning
  • Dual Stage Driver And Passenger Front Airbags
  • Airbag Occupancy Sensor
  • Driver And Passenger Side Airbag Head Extension
  • Outboard Front Lap And Shoulder Safety Belts -inc: Pretensioners
  • Back-Up Camera

Mazda MX-5 Miata Insurance Loss Probability

The Mazda MX-5 Miata’s insurance loss probability varies for each form of coverage. The lower percentage means lower Mazda MX-5 Miata auto insurance rates; higher percentages mean higher Mazda MX-5 Miata auto insurance rates.

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
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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 companies using our FREE tool below.

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5 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:

  • Choose Automatic Payments or EFT for Your Mazda MX-5 Miata Auto Insurance Policy
  • Pay Your Bills On Time — Especially Mazda MX-5 Miata Payments and Insurance
  • Choose a Mazda MX-5 Miata with Cheaper Repair Costs
  • Park Your Mazda MX-5 Miata Somewhere Safe – like a Garage or Private Driveway
  • Get Married and Ask for a Discount

Top Mazda MX-5 Miata Insurance Companies

Several top auto insurance companies offer competitive rates for the Mazda MX-5 Miata insurance rates based on factors like discounts for safety features. Take a look at this list of top auto 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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Compare Free Mazda MX-5 Miata Insurance Quotes Online

You can start comparing quotes for Mazda MX-5 Miata auto insurance rates from some of the best auto insurance companies by using our free online tool now.

Free Auto Insurance Comparison

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

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