Mazda MX-5 Miata Insurance Rates

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Save on 2011 Mazda MX-5 Miata Car Insurance Rates in 2025

Searching for better auto insurance rates for your Mazda MX-5 Miata? Having to pay for overpriced Mazda MX-5 Miata insurance can empty your savings, especially in this economy. Comparing price quotes is recommended to ensure you are getting the best deal. Companies like State Farm, Allstate, GEICO and Progressive constantly bombard you with fancy advertisements and it is difficult to see through ...

Dani Best

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: May 9, 2024

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Average insurance rates for a Mazda MX-5 Miata are $968 a year including full coverage. Comprehensive insurance costs an estimated $176, collision costs $254, and liability insurance is $402. A policy with just liability insurance costs around $446 a year, with coverage for high-risk drivers costing $2,086 or more. Teens receive the highest rates at $3,798 a year or more.

Average premium for full coverage: $968

Rate estimates broken down by individual coverage type:

Comprehensive $176
Collision $254
Liability $402

Estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different MX-5 Miata trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range go from as low as $446 for just the minimum liability insurance to a much higher rate of $2,086 for a driver required to buy high-risk insurance.

Liability Only $446
Full Coverage $968
High Risk $2,086

Price Range by Location

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how rural and urban location affects insurance prices.

Rural Areas $726
Small Cities $1,016
Large Cities $1,307

These examples highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, rather than relying on averaged prices.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Analysis

The chart below breaks down estimated Mazda MX-5 Miata insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $578
  • Raising to $1,000 deductibles will save approximately $98 every year
  • The average rate for a 40-year-old driver who has $500 deductibles is $968
  • Selecting more expensive low deductibles will cost an extra $188 a year
  • Higher-risk drivers with serious driving violations could pay up to $2,086 or more
  • The cost for full coverage for a teen driver with full coverage can cost as much as $3,798

Insurance rates for a Mazda MX-5 Miata can also vary considerably based on your driver profile, the model of your MX-5 Miata, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles could pay as little as $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay at least $3,700 a year. View Rates by Age

Where you live also has a big influence on Mazda MX-5 Miata insurance rates. A middle-age driver might find rates as low as $740 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,380 on average in Louisiana, New York, and Michigan.

Mazda MX-5 Miata Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $876 -$92 -9.5%
Alaska $744 -$224 -23.1%
Arizona $804 -$164 -16.9%
Arkansas $968 -$0 0.0%
California $1,102 $134 13.8%
Colorado $924 -$44 -4.5%
Connecticut $994 $26 2.7%
Delaware $1,094 $126 13.0%
Florida $1,208 $240 24.8%
Georgia $896 -$72 -7.4%
Hawaii $694 -$274 -28.3%
Idaho $656 -$312 -32.2%
Illinois $722 -$246 -25.4%
Indiana $730 -$238 -24.6%
Iowa $652 -$316 -32.6%
Kansas $920 -$48 -5.0%
Kentucky $1,320 $352 36.4%
Louisiana $1,434 $466 48.1%
Maine $598 -$370 -38.2%
Maryland $800 -$168 -17.4%
Massachusetts $772 -$196 -20.2%
Michigan $1,680 $712 73.6%
Minnesota $812 -$156 -16.1%
Mississippi $1,160 $192 19.8%
Missouri $858 -$110 -11.4%
Montana $1,040 $72 7.4%
Nebraska $760 -$208 -21.5%
Nevada $1,162 $194 20.0%
New Hampshire $698 -$270 -27.9%
New Jersey $1,082 $114 11.8%
New Mexico $856 -$112 -11.6%
New York $1,020 $52 5.4%
North Carolina $558 -$410 -42.4%
North Dakota $794 -$174 -18.0%
Ohio $668 -$300 -31.0%
Oklahoma $992 $24 2.5%
Oregon $888 -$80 -8.3%
Pennsylvania $922 -$46 -4.8%
Rhode Island $1,290 $322 33.3%
South Carolina $878 -$90 -9.3%
South Dakota $816 -$152 -15.7%
Tennessee $846 -$122 -12.6%
Texas $1,166 $198 20.5%
Utah $716 -$252 -26.0%
Vermont $660 -$308 -31.8%
Virginia $580 -$388 -40.1%
Washington $746 -$222 -22.9%
West Virginia $888 -$80 -8.3%
Wisconsin $668 -$300 -31.0%
Wyoming $860 -$108 -11.2%

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $290 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying $1,100 to $1,600 additional per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 126% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out which company is cheapest is to compare rates from as many companies as possible. Every auto insurance company calculates rates differently, and rates can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Mazda MX-5 Miata Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Mazda MX-5 Miata Sport 2-Dr Convertible $944 $79
Mazda MX-5 Miata Touring 2-Dr Convertible $968 $81
Mazda MX-5 Miata Grand Touring 2-Dr Convertible $994 $83

Rates assume 2014 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Mazda MX-5 Miata Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Mazda MX-5 Miata $268 $452 $332 $1,188
2023 Mazda MX-5 Miata $256 $448 $338 $1,178
2022 Mazda MX-5 Miata $248 $436 $354 $1,174
2021 Mazda MX-5 Miata $240 $418 $364 $1,158
2019 Mazda MX-5 Miata $218 $374 $384 $1,112
2017 Mazda MX-5 Miata $200 $316 $390 $1,042
2015 Mazda MX-5 Miata $180 $272 $394 $982
2014 Mazda MX-5 Miata $176 $254 $402 $968
2011 Mazda MX-5 Miata $148 $196 $402 $882

Rates are averaged for all Mazda MX-5 Miata models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Low Cost Mazda MX-5 Miata Insurance

Saving money on Mazda MX-5 Miata insurance consists of being a low-risk driver, having a good credit history, not filing small claims, and maximizing policy discounts. Set aside time to shop around at every policy renewal by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The items below are a review of the data raised in the charts and tables above.

  • Drivers who want more liability coverage will pay approximately $440 per year to raise from a minimum limit to 250/500 limits
  • You may be able to save approximately $110 per year simply by shopping early and online
  • Increasing deductibles can save around $275 each year
  • Teen drivers are expensive to insure, as much as $317 per month including comprehensive and collision insurance

Rates by Driver Age

Mazda MX-5 Miata Insurance Rates by Driver Age
Driver Age Premium
16 $3,798
20 $2,214
30 $992
40 $968
50 $888
60 $872

Full coverage, $500 deductibles

Rates by Deductible

Mazda MX-5 Miata Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,156
$250 $1,070
$500 $968
$1,000 $870

Full coverage, driver age 40

Rates by Liability Limit

Mazda MX-5 Miata Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $968
50/100 $1,074
100/300 $1,175
250/500 $1,436
100 CSL $1,115
300 CSL $1,336
500 CSL $1,497

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda MX-5 Miata Insurance Rates for High Risk Drivers
Age Premium
16 $5,376
20 $3,526
30 $2,112
40 $2,086
50 $1,990
60 $1,972

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $131

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $50
Multi-vehicle $52
Homeowner $16
5-yr Accident Free $62
5-yr Claim Free $61
Paid in Full/EFT $38
Advance Quote $44
Online Quote $67
Total Discounts $390
Rate after discounts $578

Discounts are estimated and may not be available from every company or in every state.

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