Mazda MX-5 Miata Insurance Cost

Auto insurance for a Mazda MX-5 Miata will cost about $1,537 per year.

This beats the national average for popular convertible models by $530. 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.

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. Visit our Competitive Quote Tool to see if you can find lower rates for a MX-5 Miata.

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

These Mazda MX-5 Miata insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

Mazda MX-5 Miata insurance Cost

Age Good Driver Recent Accident Poor Credit
17 $5,208 $7,757 $9,169
18 $4,853 $7,229 $8,545
19 $4,289 $6,388 $7,552
20 $3,740 $5,570 $6,585
21 $3,136 $4,671 $5,522
22 $3,054 $4,549 $5,378
23 $2,672 $3,981 $4,705
24 $2,539 $3,782 $4,470
25 $2,191 $3,264 $3,858
30 $1,707 $2,542 $3,005
35 $1,599 $2,381 $2,815
40 $1,537 $2,290 $2,707
45 $1,496 $2,228 $2,634
55 $1,372 $2,044 $2,416
65 $1,431 $2,132 $2,520
75 $1,806 $2,691 $3,181

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 $1,629 $2,282 $2,856
Alaska $1,347 $1,962 $2,056
Arizona $1,523 $2,363 $3,369
Arkansas $1,670 $2,530 $2,830
California $1,859 $3,252 $1,859
Colorado $1,735 $2,402 $2,997
Connecticut $2,217 $3,428 $4,390
Delaware $1,835 $2,527 $3,355
Florida $2,185 $2,968 $3,870
Georgia $1,781 $2,746 $2,817
Hawaii $712 $982 $712
Idaho $1,236 $1,664 $2,071
Illinois $1,294 $1,913 $2,218
Indiana $1,330 $2,078 $2,425
Iowa $1,053 $1,580 $1,841
Kansas $1,401 $2,063 $2,443
Kentucky $2,025 $3,046 $3,583
Louisiana $2,600 $3,974 $4,278
Maine $983 $1,319 $1,924
Maryland $1,591 $2,333 $2,755
Massachusetts $1,276 $2,158 $1,276
Michigan $3,079 $4,629 $7,117
Minnesota $1,267 $1,702 $2,520
Mississippi $1,530 $2,311 $2,441
Missouri $1,442 $1,985 $2,568
Montana $1,466 $2,294 $2,530
Nebraska $1,239 $1,754 $1,995
Nevada $2,044 $3,085 $3,384
New Hampshire $1,422 $2,291 $2,918
New Jersey $1,566 $2,469 $3,185
New Mexico $1,599 $2,302 $2,585
New York $1,482 $1,929 $3,114
North Carolina $918 $1,483 $1,143
North Dakota $1,257 $1,935 $2,456
Ohio $1,121 $1,833 $1,899
Oklahoma $1,789 $2,687 $3,047
Oregon $1,628 $2,459 $2,821
Pennsylvania $1,372 $2,074 $2,380
Rhode Island $2,290 $3,514 $4,019
South Carolina $1,555 $2,251 $3,211
South Dakota $1,395 $1,920 $2,303
Tennessee $1,641 $2,455 $3,097
Texas $1,653 $2,432 $3,053
Utah $1,406 $2,033 $2,804
Vermont $1,082 $1,730 $1,892
Virginia $1,019 $1,535 $1,631
Washington $1,349 $2,027 $2,391
West Virginia $1,358 $1,977 $2,442
Wisconsin $1,354 $1,976 $2,400
Wyoming $1,264 $1,857 $2,076

Other Important Costs of Owning a Mazda MX-5 Miata

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on Mazda MX-5 Miata depreciation, maintenance and financing. These will provide you with even more knowledge before making such an important financial decision.

Already decided on buying a Mazda MX-5 Miata? We have millions of new and used vehicles listed. Here are some Mazda models for sale in your area.

Do you have more questions on our data or methodologies? Great, we're skeptics too. Here are some common questions and answers.