Mazda MX-5-Miata Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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How much is it to insure a Mazda MX-5 Miata? The average Mazda MX-5 Miata insurance rates are $100 per month or $1,202 a year. However, many factors impact your Mazda MX-5 insurance costs, like your personal driving record, and the age of your model. 

For example, a 2005 Mazda MX-5 Miata is going to be cheaper to insure than the 2013 Mazda MX-5 Miata price for insurance. Keep reading our Mazda Miata insurance guide to learn how to secure cheap Miata premiums, and to review policy basics, like what is collision insurance and what does it cover

When you’re ready, start comparing Mazda MX-5 Miata insurance rates right away by entering your five-digit  ZIP code into our FREE quote tool.

Finding cheaper auto insurance through online providers is simple to do, in addition you might just save a little. The critical component is to take the time to get rates from all providers so you can compare the lowest rate quotes.

Finding the best direct price on auto insurance can be complicated if you have never used online quotes. But relax because comparing prices is actually very simple. When shopping for auto insurance there are multiple ways to compare quotes from local auto insurance companies. The best method to find the lowest Mazda MX-5-Miata insurance rates is to perform an online rate comparison. This is very easy and can be done by visiting this page.

Criteria which help determine

Auto insurance rates paid to insure a Mazda MX-5-Miata can vary widely subject to many criteria. A few of these criteria are:

  • More performance equals higher cost
  • Any accidents you may have
  • Home/auto policy bundles save money
  • How you use your vehicle
  • Your age
  • Being married can lower rates
  • Optional coverages like vehicle replacement
  • What you do for a living
  • Your coverage level
  • Owning a home can lower rates

A final factor which can affect Mazda MX-5-Miata insurance cost is the model year. Models that are a few years old have a much lower replacement value in comparison to older models so the costs to repair can decrease annual premiums. On the flip side, newer models may have a trim level with safety features like forward-collision avoidance, a collision avoidance system, a backup camera, and automatic crash notification which can provide discounts that lower premiums.

Liability auto insurance

injuries or damage you cause to claims such as funeral expenses, loss of income, and emergency aid. .

Collision coverage

another vehicle or an object, but not an animal. . , . .

Comprehensive coverage (or Other than Collision)

caused by mother nature, theft, vandalism and other events. . a auto insurance company will pay at claim time , .

Uninsured/Underinsured Motorist coverage

This coverage . , . .

Medical expense insurance

bills ambulance fees, surgery, and doctor visits. . .

As you’ve learned from the above information, your Mazda Miata insurance costs depend on many factors including where you live, your driving record, and even your age. You now know that cheap rates may be harder to find when shopping for Miata insurance for an 18-year-old, or even a driver with a poor record. The average insurance cost for a 16-year-old male is always going to be higher than the rates for older, more experienced drivers.

The age of your model also affects what you’ll pay for car insurance. For example, the 2017 Mazda Miata cost for insurance will be much higher than your average 1993 Mazda Miata insurance rates. 

Regardless of if your Mazda Miata is old or new, shopping around for Mazda MX-5 insurance quotes is the best way to find a cheap Mazda MX-5 insurance group. To secure low-cost Mazda Miata rates, just enter your ZIP code into our FREE tool below.

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What are the safety ratings for the Mazda MX-5 Miata?

Understanding the Mazda MX-5 safety ratings can help you discover car insurance discounts you qualify for. The results can sometimes also reveal areas where your vehicle might be causing your rates to increase. 

However, neither the Insurance Institute for Highway Safety nor the National Highway Traffic Association has performed crash tests on the Mazda MX-5 Miata. 

Fortunately, the 2020 Mazda MX-5 Miata has plenty of decent safety features, which include the following:

  • Rearview camera 
  • Blind-spot monitoring 
  • Rear cross-traffic alert 
  • Lane departure warning
  • Forward collision warning
  • Automatic emergency braking system

Keep in mind that a Mazda Miata that is old may not have as many safety features or hold up as well in a crash. Be sure to look for safety discounts your vehicle might qualify for to help lower your Mazda Miata MX-5 insurance rates.

Mazda MX-5 Miata Compared Against other Vehicles in the Same Class

Comparing the Mazda MX-5 Miata to similar vehicles can help you save money, especially if the Mazda MX-5 Miata has a better insurance loss ratios than other vehicles in its class. 

Officially, the Insurance Institute for Highway Safety classifies the Mazda MX-5 Miata as a mini sports car, which means the cost of Mazda Miata MX-5 liability insurance may be higher. Why? Sports cars are more prone to crashing into other vehicles due to factors like speeding.

To see how Mazda MX-5 Miata costs compare to other sports cars’ rates, take a look at the list below.

If you drive a model that is from 2016 or newer, we’ve got good news. Your Miata has substantially better than average property damage, personal injury, medical, and bodily injury loss ratios than other vehicles. The rates are -52 percent, -36 percent, -41 percent, and -50 percent respectively. The cost of your Mazda Miata MX-5 insurance premiums will reflect these great loss ratios. 

You are now an expert on the Mazda MX-5 Miata insurance rates. Despite being a sports car, this reliable speedster often receives affordable insurance quotes. Ready to see how much a Mazda Miata costs to insure in your area? Enter your ZIP code into our FREE quote comparison tool and start shopping for cheap Miata rates.

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