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 for full coverage. Comprehensive costs approximately $176, collision insurance costs $254, and liability costs around $402. Liability-only coverage costs as low as $446 a year, and high-risk coverage 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 by individual coverage:
Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for all MX-5 Miata models.
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 your basic liability-only policy to the much higher price of $2,086 for a high-risk insurance policy.
Geographic Price Range
Where you live can have significant affects on car insurance rates. Rural locations have fewer accident claims than larger metro areas. The example below illustrates the difference location can make on auto insurance prices.
The ranges above show why everyone should compare prices using their specific location and their own personal driving habits, instead of 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.
More Rate Information
The chart below shows average Mazda MX-5 Miata insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $578
- Using higher $1,000 deductibles will save $98 a year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $968
- Choosing pricier low deductibles for physical damage coverage will cost $1,156
- Drivers with multiple violations and an at-fault accident could pay around $2,086
- The price with full coverage for a teen driver for full coverage can cost $3,798 or more
Auto insurance prices for a Mazda MX-5 Miata are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high physical damage deductibles may pay as little as $900 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $3,700 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,100 to $1,600 in extra premium each year, depending on your age. Mazda MX-5 Miata insurance for high-risk drivers can be as much as 42% to 126% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $290 every year, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $362 extra every year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Mazda MX-5 Miata insurance prices. A driver around age 40 might see prices as low as $640 a year in states like Iowa, Maine, and Idaho, or as much as $1,380 on average in New York, Louisiana, 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 |
| 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 Affordable Mazda MX-5 Miata Insurance
Getting lower rates on car insurance requires having a good driving record, having above-average credit, eliminating unnecessary coverage, and possibly higher deductibles. Make time to compare rates at least every other year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The next list is a brief review of the car insurance concepts touched on in this article.
- Higher risk drivers with DUI or reckless driving convictions pay on average $1,120 more per year to buy Mazda MX-5 Miata insurance
- Drivers can save around $110 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save up to $275 each year
- Policyholders who purchase increased levels of liability coverage will pay about $440 each year to increase from a low limit to higher 250/500 limits
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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