Mazda MX-5 Miata Insurance Cost

Auto insurance for a Mazda MX-5 Miata will cost about $1,413 per year.

This beats the national average for popular convertible models by $481. Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts.

Auto insurance premiums vary a great deal by age, state, insurance company and mileage. Factors such as recent accidents, traffic violations, credit history also impact these rates. The following chart illustrates how some of these scenarios affect the cost of car insurance for a Mazda MX-5 Miata.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

Mazda MX-5 Miata insurance rates can also differ significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

Mazda MX-5 Miata Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $4,786 $7,028 $8,222
18 $4,460 $6,549 $7,662
19 $3,942 $5,788 $6,771
20 $3,437 $5,047 $5,904
21 $2,882 $4,232 $4,951
22 $2,807 $4,122 $4,822
23 $2,456 $3,606 $4,219
24 $2,333 $3,426 $4,008
25 $2,014 $2,957 $3,459
30 $1,569 $2,303 $2,695
35 $1,469 $2,157 $2,524
40 $1,413 $2,075 $2,427
45 $1,375 $2,019 $2,362
55 $1,261 $1,852 $2,166
65 $1,315 $1,931 $2,260
75 $1,660 $2,438 $2,852

Mazda MX-5 Miata car insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect Mazda MX-5 Miata by state.

Mazda MX-5 Miata Insurance Rates by State

State Good Driver Recent Accident Poor Credit
Alabama $1,497 $2,174 $2,768
Alaska $1,238 $1,717 $1,668
Arizona $1,400 $2,024 $2,982
Arkansas $1,535 $2,412 $2,655
California $1,709 $3,022 $1,709
Colorado $1,595 $2,232 $2,832
Connecticut $2,037 $3,160 $4,011
Delaware $1,687 $2,248 $2,887
Florida $2,008 $2,778 $3,621
Georgia $1,637 $2,448 $2,469
Hawaii $654 $888 $654
Idaho $1,136 $1,506 $1,831
Illinois $1,189 $1,798 $2,050
Indiana $1,222 $1,868 $2,096
Iowa $968 $1,327 $1,561
Kansas $1,288 $1,873 $2,191
Kentucky $1,861 $2,732 $3,227
Louisiana $2,389 $3,612 $3,916
Maine $904 $1,249 $1,844
Maryland $1,462 $2,128 $2,364
Massachusetts $1,173 $2,046 $1,173
Michigan $2,830 $4,312 $6,801
Minnesota $1,165 $1,553 $2,187
Mississippi $1,406 $2,006 $2,019
Missouri $1,325 $1,894 $2,488
Montana $1,347 $1,880 $2,188
Nebraska $1,139 $1,684 $1,829
Nevada $1,878 $2,786 $2,943
New Hampshire $1,307 $2,066 $2,612
New Jersey $1,439 $2,258 $2,955
New Mexico $1,470 $2,187 $2,270
New York $1,362 $1,715 $2,862
North Carolina $844 $1,450 $1,034
North Dakota $1,155 $1,755 $2,076
Ohio $1,030 $1,588 $1,629
Oklahoma $1,645 $2,355 $2,651
Oregon $1,497 $2,008 $2,398
Pennsylvania $1,261 $1,851 $2,165
Rhode Island $2,105 $3,087 $3,476
South Carolina $1,429 $1,981 $2,734
South Dakota $1,282 $1,848 $2,132
Tennessee $1,508 $2,220 $2,957
Texas $1,519 $2,194 $2,729
Utah $1,292 $1,810 $2,491
Vermont $995 $1,532 $1,619
Virginia $937 $1,438 $1,410
Washington $1,240 $1,683 $2,010
West Virginia $1,248 $1,787 $2,239
Wisconsin $1,244 $1,942 $2,215
Wyoming $1,161 $1,626 $1,731

Mazda MX-5 Miata Insurance Rankings

Insurance Rankings

We've ranked over 200 models from best to worst for Insurance. See where the Mazda MX-5 Miata ranks for Insurance compared to other vehicles. Also check out how the MX-5 Miata stacks up in our rankings for Depreciation, Maintenance, Overall Costs.

Insurance Rankings

Other Mazda MX-5 Miata Costs of Ownership

Finding a car or truck that saves on insurance costs is important. But, it's also imperative to view all major Mazda MX-5 Miata costs. This will ensure that you are finding the vehicle that provides you the best value, at the lowest cost. We've created tools that will also help you to save on the following ownership expenses: