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.

Comparing auto insurance by quoting online saves time, is easy to do and there is a good chance you will probably save money. The key to finding lower rates is to compare rates from as many companies as possible in order to accurately compare the lowest priced insurance.

Using the web to shop for auto insurance direct can be a challenge if you are a beginner to online rate quotes. Don't let that stop you because there is an easy way to compare rates. To find the best auto insurance prices, there are several ways of comparing rates from different insurance companies. One of the best ways to find the cheapest Mazda MX-5-Miata insurance cost involves getting comparison quotes online. This can be accomplished by getting a quick quote here.

Insurance rates for your Mazda MX-5-Miata will vary greatly and are calculated by many factors. Some of these factors include:

  • Tickets increase premiums
  • Your credit history
  • Male rates may be higher
  • The deductible you choose
  • Safety rating of your MX-5-Miata
  • Your profession
  • The level of coverage
  • Whether you own your home

One last important factor that can impact the rate you pay on your Mazda MX-5-Miata is the year of manufacture. Used vehicles cost less so the payout to repair may end up costing you less. Conversely, newer vehicles may have options such as pedestrian detection, automatic crash notification, and tire pressure monitors so those may help offset higher rates.

Liability coverages - damage that occurs to things like legal defense fees, bail bonds, and repair bills for other people's vehicles. .

Collision coverage protection - another car or object. . , . .

Comprehensive auto insurance - OTHER than collision with another vehicle or object. . you'll receive from a claim , .

Uninsured and underinsured coverage - Your UM/UIM coverage . , . .

Coverage for medical payments - short-term medical expenses nursing services, prosthetic devices, and dental work. . .

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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