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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.
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The average Mazda MX-5 Miata auto insurance rates are $1,174 a year or $98 a month.
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 |
However, there are a few things you can do to find the cheapest Mazda insurance rates online.
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.
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 |
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.
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 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.
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 | |
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 | ||||
|---|---|---|---|---|
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:
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 | |
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.
If you want to reduce the cost of your Mazda MX-5 Miata insurance rates, follow these tips below:
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 | |||
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.
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