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Mazda MX-5 Miata Car Insurance

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Key takeaways

  • Insurance for a Mazda MX-5 Miata will cost on average $1335 annually or $111 per month.
  • The Mazda MX-5 Miata Sports Convertible is the cheapest trim level to insure, costing roughly $1264 per year.
  • The RF Grand Touring Convertible is the costliest trim level to insure, with the annual premium being $1764/year.
  • Allied Insurance offers the cheapest coverage for the Mazda MX-5 Miata, with minimum insurance premiums starting at $805/year.

Mazda MX-5 Miata auto insurance cost

If sports cars are your thing, then the Mazda MX-5 Miata roadster will be on your list! With a starting price of $27,600, it's also pretty affordable for a sports car - but what about insurance costs? You can't afford to skimp on Mazda auto insurance - especially if you care about owning the car for a long time.

On average, Mazda MX-5 Miata insurance will cost $1335 per year, which is lower than the national average of $1635 per year. That makes it a very affordable sports car to insure, ranking much cheaper than other big brands.

Rather than applying to each insurance provider, it is much easier to compare free quotes from multiple providers. Get a free quote for your Mazda  in just minutes and compare offers from top auto insurance companies easily using Way.com.

Are Mazda MX-5 Miatas expensive to insure?

The Mazda MX-5 Miata is a lightweight, two-passenger sports car that can make even the most boring commute into an exhilarating time. Prices for the vehicle start from $27,000 for the base model and can reach as much as $84,000.

However, on the insurance front, things look much better. The Mazda MX-5 Miata is probably the most affordable vehicle to insure in the sports car category.

The average Mazda MX-5 Miata premium across all US states amounts to roughly $1335/year, which is $300 cheaper than the national average premium. It is also a whopping $1831 less than the most expensive sports car to insure - the Nissan GT-R.

Make/Model Average Annual Rate
Mazda MX-5 Miata $1,335
Ford Mustang $1,620
BMW Z4 $1,654
Subaru WRX $1,746
Toyota GR86 $1,788
Toyota GR Supra $1,830
Audi TT $1,868
Subaru BRZ $1,928
Chevrolet Corvette $1,934
BMW M3 $1,986
Porsche 718 $2,076
Chevrolet Camaro $2,124
Lexus RC F $2,174
Dodge Challenger $2,182
Mercedes-Benz AMG GT53 $2,214
Jaguar F-Type $2,316
Porsche Taycan $2,378
Porsche 911 $2,438
BMW M4 $2,440
Lexus LC 500 $2,526
Acura NSX $2,960
Audi R8 $3,090
Nissan GT-R $3,166

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What impacts the cost of Mazda MX-5 Miata auto insurance?

Though Mazda insurance is affordable, the premiums can vary based on several factors like:

  • The driver's age
  • The driver's gender
  • The city you are in
  • The age of the car
  • Trim level of the car
  • The insurance company you choose

Age of the driver

Teens and young adults will be charged higher premiums because they don't have a driving record to check. They will be considered riskier applicants because they could end up involved in more accidents.

A Mazda MX-5 Miata owner in his 20s may be charged as much as $2300/year compared to a 50-year-old who'll have a premium of $1215/year.

Age of Driver Average Annual Rate
Age 20 $2300
Age 30 $1415
Age 40 $1335
Age 50 $1215
Age 60 $1190

Model year / age of the car

Older Mazda MX-5 Miata models will generally cost lesser to insure, because they may have different features, are less likely to be stolen compared to new models, may cost less to repair, and have a lower value overall.

The average auto insurance premium for a 2022 Mazda MX-5 Miata is $1538/year compared to $1290/year for a 2018 model.

Model Year Annual Rate Monthly Rate
2022 Mazda MX-5 Miata $1538 $128
2021 Mazda MX-5 Miata $1498 $125
2020 Mazda MX-5 Miata $1483 $123
2019 Mazda MX-5 Miata $1351 $112
2018 Mazda MX-5 Miata $1290 $107

Trim level

The Mazda MX-5 Miata has 3 trim levels to choose from - Sport, Club, and Grand Touring.

The Sports Convertible is the cheapest to insure - they will only cost you $1264/year on average. The RF Grand Touring Convertible is the costliest to insure at $1374/year.

Trim Level Average Annual Rate Average Monthly Rate
Sport Convertible $1,264 $116
Club Convertible $1,328 $122
Grand Touring Convertible $1,328 $122
RF Club Convertible $1,374 $126
RF Grand Touring Convertible $1,374 $126

City you are located in

If you live in a large metropolis, chances are there'll be more accidents or car burglaries. This can influence the premiums offered to you as a Mazda MX-5 Miata owner. Certain ZIP codes can be extremely expensive to insure depending on the crimes rate and possibility of theft/burglary.

The highest Mazda MX-5 Miata premiums are found in Los Angeles and New York.

City Average Annual Rate
Los Angeles, CA $2021
New York, NY $1867
Houston, TX $1853
Jacksonville, FL $1715
Philadelphia, PA $1585
Chicago, IL $1563
Phoenix, AZ $1375
Seattle, WA $1148
Indianapolis, IN $1012
Columbus, OH $987

Insurance company

Based on the research done by the Way.com team, Allied Insurance offers the cheapest Mazda MX-5 Miata insurance deals averaged across all states, with a premium of $815/year.

Company Annual Rate
Allied $815
Nationwide $1020
Acuity $1305
Arbella $1314
Southern Farm Bureau $1402
Plymouth Rock Insurance $1424
State Farm $1454
USAA $1475

How much is Mazda MX-5 Miata auto insurance for recent models?

The average auto insurance premium for a 30-year-old driver with a recent Mazda MX-5 Miata model is as follows:

  • A 2022 Mazda MX-5 Miata will cost roughly $1538 per year to insure.
  • A 2021 Mazda MX-5 Miata will cost $1498 per year to insure.
  • A 2020 Mazda MX-5 Miata insurance premium costs on average $1483 per year.

Mazda MX-5 Miata safety features

One way to reduce your auto insurance premium is by buying a car that has a lot of safety features. The Mazda MX-5 Miata does not disappoint, with features like:

  • Lane departure warning
  • Smart City Brake Support
  • Rearview camera
  • Blind-spot monitoring
  • Rear cross-traffic alert

Mazda MX-5 Miata insurance loss probability

Insurance Coverage Category Loss Rate
Collision -22%
Property Damage -36%
Comprehensive -23%
Personal Injury -26%
Medical Payment no data
Bodily Injury no data

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Ways to save on Mazda MX-5 Miata car insurance

  • Be a safe driver: Rash driving, traffic violations, and at-fault accidents can make your riskier to insure, therefore increasing your premiums.
  • Improve your credit score before applying: Applicants with excellent credit scores can save as much as $250 or more yearly compared to those with lower credit scores of 670-740.
  • Follow driving laws: Even something as simple as traffic violations can increase the auto insurance premium for your Mazda MX-5 Miata.
  • Ask for relevant discounts: Insurance companies offer several kinds of discounts you can avail such as loyalty discounts, bundling discounts, senior citizen discounts, military veteran discounts, and more. Ask for relevant offers to lower your premium further.

How do I find the best Mazda MX-5 Miata car insurance rates?

  • Always shop around with multiple insurance providers before picking a policy. After all, you can get as many free quotes as you want!
  • Compare, compare, compare - that should be your mantra when getting multiple quotes.
  • An insurance aggregator like Way.com can help show you all the eligible providers you've qualified for in just a matter of minutes.
  • The lowest rate isn't always the best! Paying a little extra to get additional coverage is always better in the long run.

How to get Mazda MX-5 Miata auto insurance with Way.com

Simply download the Way.com app or head to the Way.com website to start your auto insurance journey and get a free quote in just minutes! Compare offers from more than 150 different insurance providers on our platform, which lets you choose the best policy for your Mazda MX-5 Miata - all in as little as 45 seconds!

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions (FAQ)

Are Mazda MX-5 Miatas expensive to insure?

No, the Mazda MX-5 Miata is the cheapest sports car to insure. Yearly premiums can be as low as $1335 depending on the trim level you choose.

How much does it cost to insure a Mazda MX-5 Miata?

Depending on the trim level of the vehicle, Mazda MX-5 auto insurance can range from $1264-$1764 per year.

Is a Mazda MX-5 Miata cheap to insure?

Yes, the Mazda MX-5 Miata is the cheapest sports car to insure in its category. It is $1831 cheaper to insure than the most expensive vehicle sports car to insure - the Nissan GT-R.

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