Mazda MX-5-Miata Insurance Rates

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.

Shopping for auto insurance through online providers is simple to do, plus you may find lower rates. The critical component is to get rates from all companies so you can get all your choices.

Comparing auto insurance rates direct online can be difficult if you have never used online quoting. But don't be discouraged because we're going to show you how. The are a couple different ways to compare quotes and find the best price. The quickest method to find competitive Mazda MX-5-Miata insurance quotes consists of shopping online. This can be done by completing this short form.

Insurance premiums on a Mazda MX-5-Miata can fluctuate considerably subject to many criteria. Including but not limited to:

• Traffic citations increase rates
• Credit rating impacts rates
• Where you reside can make a big difference
• The number of annual miles
• Your gender can raise or lower rates
• Low deductibles cost more
• Crash test rating for your MX-5-Miata
• Your job
• Insurance coverage level
• Home ownership saves money

One important consideration that will help determine your rates is the age of the vehicle. Older cars and trucks have a lower value compared to new MX-5-Miata models so the cost to replace them can decrease annual premiums. Although newer models have more advanced features included like active head restraints, automatic crash notification, blind-spot warning system, and adaptive cruise control which may give discounted rates.

Liability auto insurance

damage or injury you incur to claims like pain and suffering, repair costs for stationary objects, and legal defense fees. .

Collision protection

a stationary object or other vehicle. . , . .

Comprehensive protection

from a wide range of events other than collision. . your auto insurance company will pay , .

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage . , . .

Medical expense insurance

immediate expenses EMT expenses, pain medications, and nursing services. . .

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.

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.

• Chevrolet Corvette Insurance Rates
• Ford Mustang Insurance Rates
• Mercedes-Benz SL-Class Insurance Rates

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.