Mazda MX-5 Miata Insurance Cost

Auto insurance for a Mazda MX-5 Miata will cost about $1,441 per year.

This beats the national average for popular convertible models by $784. 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 $4,880 $7,166 $8,384
18 $4,548 $6,679 $7,813
19 $4,019 $5,902 $6,905
20 $3,505 $5,146 $6,021
21 $2,939 $4,316 $5,049
22 $2,862 $4,203 $4,917
23 $2,505 $3,678 $4,302
24 $2,379 $3,494 $4,087
25 $2,053 $3,015 $3,527
30 $1,600 $2,349 $2,748
35 $1,498 $2,200 $2,574
40 $1,441 $2,116 $2,475
45 $1,402 $2,059 $2,409
55 $1,286 $1,888 $2,209
65 $1,341 $1,970 $2,304
75 $1,693 $2,486 $2,908

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 $1,527 $2,217 $2,822
Alaska $1,263 $1,750 $1,701
Arizona $1,428 $2,064 $3,040
Arkansas $1,565 $2,459 $2,708
California $1,743 $3,082 $1,743
Colorado $1,626 $2,276 $2,888
Connecticut $2,078 $3,222 $4,090
Delaware $1,720 $2,292 $2,944
Florida $2,048 $2,833 $3,692
Hawaii $667 $905 $667
Idaho $1,159 $1,536 $1,867
Illinois $1,213 $1,833 $2,090
Indiana $1,246 $1,905 $2,138
Iowa $987 $1,353 $1,592
Kansas $1,313 $1,910 $2,234
Kentucky $1,898 $2,786 $3,290
Louisiana $2,437 $3,683 $3,994
Maine $921 $1,274 $1,880
Maryland $1,491 $2,170 $2,410
Massachusetts $1,196 $2,086 $1,196
Michigan $2,885 $4,397 $6,936
Minnesota $1,188 $1,584 $2,230
Mississippi $1,434 $2,045 $2,058
Missouri $1,351 $1,932 $2,538
Montana $1,374 $1,917 $2,231
Nebraska $1,161 $1,717 $1,866
Nevada $1,915 $2,841 $3,001
New Hampshire $1,332 $2,107 $2,663
New Jersey $1,468 $2,303 $3,014
New Mexico $1,499 $2,230 $2,315
New York $1,388 $1,748 $2,919
North Carolina $861 $1,479 $1,055
North Dakota $1,178 $1,790 $2,117
Ohio $1,050 $1,620 $1,661
Oklahoma $1,677 $2,401 $2,704
Oregon $1,526 $2,048 $2,446
Pennsylvania $1,285 $1,887 $2,208
Rhode Island $2,146 $3,148 $3,545
South Carolina $1,457 $2,020 $2,788
South Dakota $1,308 $1,884 $2,174
Tennessee $1,538 $2,264 $3,015
Texas $1,549 $2,237 $2,783
Utah $1,317 $1,846 $2,540
Vermont $1,014 $1,562 $1,651
Virginia $955 $1,467 $1,438
Washington $1,265 $1,717 $2,050
West Virginia $1,273 $1,822 $2,283
Wisconsin $1,269 $1,980 $2,259
Wyoming $1,184 $1,658 $1,766
Georgia $1,670 $2,497 $2,517

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: