Mazda MX-5 Miata Insurance Rates
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UPDATED: May 9, 2024
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U.S. average auto insurance rates for a Mazda MX-5 Miata are $968 annually including full coverage. Comprehensive costs an estimated $176 a year, collision insurance costs $254, and liability coverage costs around $402. Liability-only insurance costs as low as $446 a year, and high-risk driver insurance costs around $2,086. Teen drivers pay the highest rates at up to $3,798 a year.
Average premium for full coverage: $968
Price estimates broken down by individual coverage:
Includes $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and MX-5 Miata trim levels.
Price Range from Low to High
For the average 40-year-old driver, Mazda MX-5 Miata insurance prices range from as cheap as $446 for the bare minimum liability coverage to a high of $2,086 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live has a large influence on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than larger metro areas. The diagram below illustrates the difference location can make on insurance prices.
The ranges above highlight why it is important to compare prices for a targeted area and their own personal driving habits, rather than using price averages.
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 Information
The chart below breaks down average Mazda MX-5 Miata insurance rates for other coverage scenarios.
- The lowest rate with discounts is $578
- Using higher $1,000 deductibles will save approximately $870 every year
- The estimated rate for the average middle-age driver who has $500 deductibles is $968
- Choosing low $100 deductibles for physical damage coverage will cost $1,156
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,086
- The price with full coverage for a teenage driver can cost as much as $3,798 or more
Car insurance prices for a Mazda MX-5 Miata are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.
Older drivers with no driving violations and high physical damage deductibles may only pay around $900 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged at least $3,700 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying $1,100 to $1,600 extra each year, depending on your age. A high-risk auto insurance policy can be around 42% to 126% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $290 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Mazda MX-5 Miata insurance rates. A driver around age 40 might see prices as low as $740 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,380 on average in Louisiana, New York, and Michigan.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Buy the Cheapest Mazda MX-5 Miata Insurance
Getting lower rates on auto insurance requires being a good driver, having a good credit score, being claim-free, and possibly higher deductibles. Make time to compare rates at every policy renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The following list is a recap of the data touched on in this article.
- Consumers who want an increased level of liability coverage will pay about $440 per year to increase from a low limit to higher 250/500 limits
- You may be able to save approximately $110 per year just by quoting early and online
- Increasing physical damage deductibles could save up to $275 each year
- Drivers age 16 to 20 have the highest car insurance prices, possibly costing $317 a month if comprehensive and collision insurance is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,156 |
| $250 | $1,070 |
| $500 | $968 |
| $1,000 | $870 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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