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1997 Mazda MX-5 Miata Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 16, 2021

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Average insurance rates for a 1997 Mazda MX-5 Miata are $762 a year for full coverage. Comprehensive insurance costs around $116, collision costs $134, and liability costs $376. Buying a liability-only policy costs as little as $426 a year, with high-risk insurance costing $1,628 or more. Teen drivers receive the highest rates at $3,116 a year or more.

Annual premium for full coverage: $762

Rate estimates for 1997 Mazda MX-5 Miata Insurance

Comprehensive $116
Collision $134
Liability $376

Rate data is compiled from all 50 U.S. states and averaged for all 1997 Mazda MX-5 Miata models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $426 for a discount liability-only rate to a much higher rate of $1,628 for a high risk driver.

Liability Only $426
Full Coverage $762
High Risk $1,628

View Chart as Image

1997 Mazda MX-5 Miata insurance rates compared
Column chart showing 1997 Mazda MX-5 Miata insurance prices range from $472 to $3,116 for full coverage

These differences show why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

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

Recommended Companies for Cheap 1997 Mazda MX-5 Miata Insurance

Searching Companies

Having to pay for overpriced Mazda MX-5 Miata insurance can drain your bank account and force you to prioritize other expenses. Shopping your coverage around is a smart way to help make ends meet. Because there are so many choices of insurance companies, it is very difficult to locate the lowest price car insurance company.

You should take the time to shop coverage around quite often because prices change regularly. Just because you had the best price on MX-5 Miata insurance two years ago the chances are good that you can find a lower rate today. Forget all the misinformation about insurance because you’re about to learn how to quote online to properly buy coverages while reducing your premium.

Finding the best rates is not that difficult. If you have insurance now or are shopping for new coverage, you can learn to get lower rates and possibly find even better coverage. Drivers only need to know the best way to compare prices online.

Save on 1997 Mazda MX-5 Miata insurance

Companies that sell car insurance do not advertise every discount very well, so we researched some of the more common and the more hidden ways to save on insurance. If you don’t get every credit available, you are throwing money away.

  • Good Student Discount – This discount can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Low Mileage – Driving fewer miles can earn a substantially lower rate.
  • Multi-policy Discount – If you insure your home and vehicles with one insurance company you will save at least 10% off all policies.
  • Sign Online – A handful of insurance companies may give you up to $50 just for signing your application online.
  • Homeowners Discount – Simply owning a home can save you money because maintaining a house requires personal responsibility.

It’s important to note that many deductions do not apply to the entire cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way.

Insurance companies who might offer some of the above discounts include:

  • Progressive
  • MetLife
  • Mercury Insurance
  • Nationwide
  • GEICO
  • AAA

Before buying, ask each company what discounts are available to you. Savings might not be offered in your state.

The quickest method we recommend to compare rates is to realize most of the larger companies allow for online access to give free rates quotes. To begin a comparison, all you need to do is provide a small amount of information including what you do for a living, if a SR-22 is needed, the year, make and model of vehicles, and marital status. That rating data is automatically sent to multiple car insurance providers and you should receive rate quotes with very little delay.

To start a quote now, click here and find out if lower rates are available.

Tailor your coverage to you

When it comes to choosing coverage for your vehicles, there really is no best way to insure your cars. Every situation is different so your insurance needs to address that. These are some specific questions can help discover if your insurance needs could use an agent’s help.

  • Is my custom paint covered by insurance?
  • Do I need higher collision deductibles?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is upholstery damage covered by car insurance?
  • Does medical payments coverage apply to all occupants?
  • Does liability extend to a camper or trailer?
  • What is the minimum liability in my state?
  • How much liability do I need to cover my assets?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I getting all the discounts available?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Free Auto Insurance Comparison

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

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Car insurance 101

Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are the usual coverages found on the average insurance policy.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for immediate expenses for dental work, X-ray expenses, surgery, chiropractic care and hospital visits. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage – This pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like falling objects, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Mazda MX-5 Miata.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability coverage – Liability coverage will cover injuries or damage you cause to other’s property or people that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as repair bills for other people’s vehicles, court costs, pain and suffering, funeral expenses and medical services. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Collision coverage – Collision coverage will pay to fix damage to your MX-5 Miata resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a parking meter, sideswiping another vehicle, rolling your car, sustaining damage from a pot hole and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

In conclusion

Cost effective 1997 Mazda MX-5 Miata insurance is attainable on the web as well as from independent agents, so you should compare both so you have a total pricing picture. Some insurance companies don’t offer online quoting and many times these small, regional companies only sell through independent insurance agents.

In this article, we presented many ways to shop for insurance online. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. Consumers may even find the most savings is with the least-expected company. Regional companies may often insure only within specific states and give getter rates compared to the large companies like Progressive and GEICO.

Much more information about auto insurance can be found below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1997 Mazda MX-5 Miata Insurance Rates by City
City Premium
New York City, NY $1,203
Los Angeles, CA $1,302
Philadelphia, PA $1,014
Jacksonville, FL $1,102
Phoenix, AZ $885
Chicago, IL $1,019
Houston, TX $1,191
Seattle, WA $738
Columbus, OH $634
Indianapolis, IN $649

Need a specific model?

Choose your model and trim below

Rates by Driver Age

1997 Mazda MX-5 Miata Insurance Rates by Driver Age
Driver Age Premium
16 $3,116
20 $1,736
30 $770
40 $762
50 $700
60 $688

Full coverage, $500 deductibles

Rates by Deductible

1997 Mazda MX-5 Miata Insurance Rates with Different Deductibles
Deductible Premium
$100 $870
$250 $820
$500 $762
$1,000 $706

Full coverage, driver age 40

Rates by Liability Limit

Mazda MX-5 Miata Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $762
50/100 $837
100/300 $931
250/500 $1,176
100 CSL $875
300 CSL $1,082
500 CSL $1,232

Full coverage, driver age 40

Rates for High Risk Drivers

1997 Mazda MX-5 Miata Insurance Rates for High Risk Drivers
Age Premium
16 $4,368
20 $2,758
30 $1,636
40 $1,628
50 $1,558
60 $1,540

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 $99

Potential Rate Discounts

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

Discount Savings
Multi-policy $38
Multi-vehicle $41
Homeowner $14
5-yr Accident Free $43
5-yr Claim Free $47
Paid in Full/EFT $25
Advance Quote $32
Online Quote $50
Total Discounts $290
Rate after discounts $472

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

Find companies with the cheapest rates in your area

1997 Mazda MX-5 Miata Insurance Rates by State
State Premium
Alabama $688
Alaska $584
Arizona $632
Arkansas $762
California $868
Colorado $726
Connecticut $780
Delaware $860
Florida $950
Georgia $704
Hawaii $546
Idaho $516
Illinois $566
Indiana $574
Iowa $512
Kansas $724
Kentucky $1,038
Louisiana $1,126
Maine $472
Maryland $630
Massachusetts $606
Michigan $1,322
Minnesota $636
Mississippi $912
Missouri $676
Montana $816
Nebraska $598
Nevada $912
New Hampshire $552
New Jersey $850
New Mexico $674
New York $802
North Carolina $438
North Dakota $624
Ohio $524
Oklahoma $780
Oregon $698
Pennsylvania $724
Rhode Island $1,016
South Carolina $690
South Dakota $644
Tennessee $666
Texas $916
Utah $564
Vermont $518
Virginia $456
Washington $586
West Virginia $698
Wisconsin $526
Wyoming $676

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