How Much Does 2019 Mazda MX-5 Miata Car Insurance Cost in 2024?

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 9, 2024

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Looking for the cheapest insurance coverage rates for your Mazda MX-5 Miata? Cutting costs on Driversinsurance coverage is always slightly frustrating for drivers who are beginners to quoting and comparing prices online. With such a large choice of online companies, it can quickly become a challenge to locate the lowest coverage rates.

Finding affordable coverage is easy if you know what you’re doing. Basically, every vehicle owner who has to buy insurance most likely will be able to find better rates. Nevertheless, vehicle owners must learn how insurance companies market on the web and use this information to your advantage.

How you can control Mazda MX-5 Miata insurance costs

Lots of factors are used when premium rates are determined. Some factors are common sense like an MVR report, but some are not as apparent like your vehicle usage or how safe your car is. It’s important that you understand the different types of things that are used to determine your policy premiums. If you understand what determines premiums, this allows you to make educated decisions that may reward you with better insurance coverage rates.

  • Continuous insurance coverage coverage saves money – Going without insurance is a quick way to trigger a rate increase. Not only will you pay higher rates, getting caught without coverage could result in a license revocation or jail time. You could then be forced to prove you have insurance by filing a SR-22 with your state DMV.
  • Avoid tickets and save – Having just one driving citation can bump up the cost to the point where it’s not affordable. Drivers who don’t get tickets get better prices compared to drivers with tickets. Drivers who get flagrant violations such as DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to keep their license.
  • Multiple policies with one company can save – Lots of companies give discounts for people that purchase more than one policy. It’s known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. If you currently are using one company, drivers will still want to compare other company rates to ensure the best deal.
  • Theft deterrents lower insurance coverage rates – Buying a car with a theft deterrent system can help bring down rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop vehicle theft.
  • Are males or females drivers cheaper? – Statistics demonstrate women tend to be less risk to insure than men. The data does not necessarily mean that females are better at driving than males. Women and men get in auto accidents in similar numbers, but the males cause more damage and cost insurance companies more money. Men also statistically receive more major tickets such as DWI and reckless driving. Male drivers age 16 to 19 cause the most accidents and therefore pay the highest rates.
  • Safer occupants lowers premiums – Vehicles that have high safety ratings tend to have lower insurance rates. Safer cars have better occupant injury protection and reduced instances of injuries means lower claim amounts and more competitive rates for policyholders.

How to buy auto insurance

Many insurance companies give coverage price quotes from their websites. Comparing prices online can be done by anyone as you simply type in into a form. Once you submit the form, the company’s rating system orders credit information and your driving record and quotes a price based on many factors.

Online price estimates makes it easy to compare insurance prices but having to visit a lot of sites and type in your information is not the best way to spend an afternoon. But it’s also necessary to perform this step if you want to find the best price on auto insurance.

There is a better way to compare rates

An easier way to lower your auto insurance bill uses one simple form that gets prices from several different companies. It saves time, requires less work, and makes quoting online much more enjoyable. Immediately after submitting the form, it gets priced and you can select any one of the returned quotes. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. It takes less than 15 minutes and may result in a nice savings.

To compare rates using this form now, simply enter your zip code here and enter your vehicle and coverage information. If you have a policy now, it’s recommended you duplicate the coverage information exactly as they are listed on your policy. This ensures you will receive rate comparison quotes for similar coverage.

Find discounts on car insurance

Properly insuring your vehicles can get expensive, but you may find discounts that you may not even know about. Certain credits will be shown at the time of purchase, but some may not be applied and must be specially asked for in order for you to get them. If you don’t get every credit possible, you are paying more than you should be.

  • Discount for Home Ownership – Just owning your own home may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • Air Bag Discount – Vehicles with factory air bags can qualify for discounts as much as 30%.
  • Responsible Driver Discounts – Drivers who don’t get into accidents could pay up to 40% less for MX-5 Miata coverage than drivers with accidents.
  • Multiple Cars – Drivers who insure multiple vehicles with one company may reduce the rate for each vehicle.
  • Driving Data Discount – Drivers that enable their insurance company to scrutinize their driving habits remotely like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they show good driving skills.
  • Senior Citizen Rates – Seniors may be able to get better car insurance rates for MX-5 Miata coverage.
  • Auto/Home Discount – When you combine your auto and home insurance and place coverage with the same company you could get a discount of up to 20% off your total premium.

Discounts lower rates, but most of the big mark downs will not be given to the whole policy. Most only apply to the cost of specific coverages such as comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, it’s just not the way it works.

A list of car insurance companies and the discounts they provide are shown below.

  • AAA offers premium reductions for multi-policy, multi-car, good student, good driver, and AAA membership discount.
  • Progressive includes discounts for homeowner, continuous coverage, multi-vehicle, good student, online signing, online quote discount, and multi-policy.
  • State Farm may offer discounts for driver’s education, good driver, Drive Safe & Save, accident-free, and student away at school.
  • Esurance offers discounts including claim free, anti-lock brakes, good student, online shopper, DriveSense, and homeowner.
  • Nationwide discounts include defensive driving, business or organization, anti-theft, good student, multi-policy, and Farm Bureau membership.

Check with every company the best way to save money. Some credits may not apply to policyholders in every state. To locate car insurance companies that provide some of the discounts listed above, enter your zip code here.

Tailor your car insurance coverage to you

When choosing coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might point out whether or not you would benefit from professional advice.

  • Does my insurance cover my expensive audio equipment?
  • What happens if I owe more than my 2019 Mazda MX-5 Miata is worth?
  • How do I buy GAP insurance?
  • Why do I only qualify for high-risk insurance?
  • Is my nanny covered when driving my vehicle?
  • What if I don’t agree with a claim settlement offer?
  • Does my policy cover me when driving someone else’s vehicle?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Can my teen drive my company car?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, fill out your zip code.

Car insurance 101

Having a good grasp of your auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverages

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, vandalism, theft, damage from a tornado or hurricane and a broken windshield. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage

Collision coverage covers damage to your MX-5 Miata resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as damaging your car on a curb, sideswiping another vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Liability coverage

Liability insurance protects you from damage that occurs to a person or their property in an accident. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like structural damage, medical expenses, emergency aid and medical services. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical payments

Med pay and PIP coverage pay for bills like EMT expenses, rehabilitation expenses, surgery, X-ray expenses and dental work. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Pennies from heaven

We covered quite a bit of information on how to compare 2019 Mazda MX-5 Miata insurance prices online. The most important thing to understand is the more you quote car insurance, the better your chances of lowering your rates. You may even find the most savings is with a smaller regional carrier.

Insureds change insurance companies for any number of reasons including policy non-renewal, an unsatisfactory settlement offer, high rates after DUI convictions and high prices. Regardless of your reason for switching companies, choosing a new company is pretty simple and you could end up saving a buck or two.

When buying insurance coverage, make sure you don’t reduce coverage to reduce premium. Too many times, someone dropped full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your objective should be to purchase plenty of coverage at the best possible price, but do not skimp to save money.

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