Mazda MX-5 Miata Car Insurance Cost 2025
The average cost of insurance for a Mazda MX-5 Miata is $1,980 per year. However, your actual premium may vary depending on factors like your age, driving history, location, and the car’s model year. To get a more personalized estimate, refer to our quote tables below.
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The average cost to insure a 2025 Mazda MX-5 Miata is around $1,980 per year, or about $165 per month for full coverage. As a lightweight, two-door sports car, the Miata typically carries higher premiums than sedans or crossovers, but it’s still one of the more affordable sports cars to insure.
Its solid safety features and relatively low repair costs help offset its sporty classification. Insurance rates for the MX-5 can vary significantly depending on factors like driver age, zip code, and driving history.
Shopping around and comparing quotes is essential to finding the most competitive premium for this popular roadster.
How Much Does Mazda MX-5 Car Insurance Cost?
On average, Mazda MX-5 Miata drivers pay around $1,980 per year for car insurance. However, individual rates may vary based on factors such as age, driving record, and location.
The cost of car insurance can vary greatly based on several factors, such as where you live, your driving history, your car’s model year, and the type of coverage you choose. Keeping a clean driving record can help lower your premiums, while accidents or traffic violations may increase costs.
Living in a city with heavy traffic often leads to higher insurance rates compared to rural areas with lighter traffic. Additionally, the type of coverage you select affects your premium—comprehensive insurance, which includes both comprehensive and collision coverage, is typically more expensive than basic liability coverage.
As shown in the table below, the insurance cost for a Mazda MX-5 Miata is lower than the average for all Mazda models. However, it is also more affordable compared to the average insurance cost for all vehicles.
| Vehicle | Average Monthly Premium |
| Mazda MX-5 Miata | $159 |
| All Mazdas | $160 |
| All Cars | $175 |
Average Insurance Cost Of Mazda MX-5 Miata By Model Year
| Model Year | Average Premium |
| 2025 Mazda MX-5 Miata | $2,094 |
| 2023 Mazda MX-5 Miata | $1,990 |
| 2022 Mazda MX-5 Miata | $1,660 |
| 2021 Mazda MX-5 Miata | $1,019 |
| 2020 Mazda MX-5 Miata | $1,040 |
| 2019 Mazda MX-5 Miata | $979 |
| 2018 Mazda MX-5 Miata | $851 |
| 2017 Mazda MX-5 Miata | $906 |
| 2016 Mazda MX-5 Miata | $757 |
| 2015 Mazda MX-5 Miata | $719 |
| 2014 Mazda MX-5 Miata | $879 |
| 2013 Mazda MX-5 Miata | $990 |
| 2012 Mazda MX-5 Miata | $802 |
| 2011 Mazda MX-5 Miata | $1,271 |
| 2010 Mazda MX-5 Miata | $913 |
2025 Mazda MX-5 Miata Insurance Rates
The average annual insurance cost for a 2025 Mazda MX-5 Miata is $2,094. However, GEICO offers the cheapest rates, averaging $1,870 per year.
| Insurance Provider | Average Annual Cost |
| GEICO | $1,870 |
| Progressive | $1,920 |
| State Farm | $2,100 |
| USAA | $1,950 |
| Allstate | $2,300 |
| Farmers | $2,400 |
| Liberty Mutual | $2,200 |
| Nationwide | $2,050 |
| American Family Insurance | $2,150 |
| Travelers | $2,000 |
2023 Mazda MX-5 Miata Insurance Rates
The average annual insurance cost for a 2023 Mazda MX-5 Miata is $1,990. However, Direct Auto offers the cheapest rates, averaging $1,636 per year.
| Insurance Provider | Average Annual Cost |
| Direct Auto | $1,636 |
| USAA | $1,642 |
| Farmers | $1,850 |
| Esurance | $1,830 |
| 21st Century | $2,026 |
| State Farm | $2,126 |
| Metropolitan | $2,119 |
| Mercury | $2,175 |
| CSAA | $2,246 |
| California Capital | $2,245 |
2022 Mazda MX-5 Miata Insurance Rates
The average annual insurance cost for a 2022 Mazda MX-5 Miata is $1,660. However, Victoria offers the cheapest rates, averaging $87 per year.
| Insurance Provider | Average Annual Cost |
| Victoria | $87 |
| Texas Farm Bureau Group | $1,273 |
| Pekin Insurance | $1,521 |
| Erie | $1,625 |
| Georgia Farm Bureau | $1,652 |
| Mississippi Farm Bureau | $1,922 |
| National General | $2,045 |
| Capital Insurance Group | $2,095 |
| Country | $2,178 |
| Indiana Farmers Mutual Ins | $2,198 |
2021 Mazda MX-5 Miata Insurance Rates
The average annual insurance cost for a 2021 Mazda MX-5 Miata is $1,019. However, Safeco offers the cheapest rates, averaging $544 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $544 |
| Utica National Ins Group | $725 |
| Erie | $773 |
| North Carolina Farm Bureau | $993 |
| New Jersey Manufacturers | $987 |
| Titan | $1,030 |
| American National P | $1,154 |
| Texas Farm Bureau Group | $1,290 |
| Penn National | $1,304 |
| Georgia Farm Bureau | $1,385 |
2020 Mazda MX-5 Miata Insurance Rates
The average annual insurance cost for a 2020 Mazda MX-5 Miata is $1,040. However, Safeco offers the cheapest rates, averaging $567 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $567 |
| Erie | $581 |
| National General Value | $782 |
| Texas Farm Bureau Group | $804 |
| Virginia Farm Bureau | $1,041 |
| Utica National Ins Group | $1,065 |
| New Jersey Manufacturers | $1,093 |
| Preferred Mutual | $1,433 |
| Mississippi Farm Bureau | $1,479 |
| Direct Auto | $1,553 |
2019 Mazda MX-5 Miata Insurance Rates
The average annual insurance cost for a 2019 Mazda MX-5 Miata is $979. However, American National P offers the cheapest rates, averaging $443 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $443 |
| Erie | $756 |
| Mercury Insurance | $801 |
| North Carolina Farm Bureau | $1,030 |
| Virginia Farm Bureau | $1,064 |
| Utica National Ins Group | $1,085 |
| Safety Group | $1,093 |
| Preferred Mutual | $1,181 |
| GMAC Insurance Group | $1,171 |
| Plymouth Rock Assurance | $1,168 |
2018 Mazda MX-5 Miata Insurance Rates
The average annual insurance cost for a 2018 Mazda MX-5 Miata is $851. However, SAFECO offers the cheapest rates, averaging $190 per year.
| Insurance Provider | Average Annual Cost |
| SAFECO | $190 |
| American National P | $535 |
| Mercury Insurance | $700 |
| North Carolina Farm Bureau | $851 |
| Erie | $981 |
| New Jersey Manufacturers | $1,021 |
| GMAC Insurance Group | $998 |
| Titan | $1,036 |
| Utica National Ins Group | $1,053 |
| Quincy Mutual | $1,141 |
2017 Mazda MX-5 Miata Insurance Rates
The average annual insurance cost for a 2017 Mazda MX-5 Miata is $906. However, SAFECO offers the cheapest rates, averaging $149 per year.
| Insurance Provider | Average Annual Cost |
| SAFECO | $149 |
| American National P | $601 |
| Texas Farm Bureau Group | $848 |
| Mercury Insurance | $926 |
| Farm Bureau Mutual (IA Group) | $963 |
| Pekin Insurance | $1,062 |
| Capital Insurance Group | $1,099 |
| North Star | $1,099 |
| PEMCO | $1,145 |
| Utica National Ins Group | $1,169 |
2016 Mazda MX-5 Miata Insurance Rates
The average annual insurance cost for a 2016 Mazda MX-5 Miata is $757. However, Plymouth Rock offers the cheapest rates, averaging $431 per year.
| Insurance Provider | Average Annual Cost |
| Plymouth Rock | $431 |
| Buckeye Insurance Group | $587 |
| Kemper Premium | $699 |
| Ohio Mutual Ins Group | $738 |
| Pekin Insurance | $813 |
| Cincinnati Insurance | $837 |
| New Jersey Manufacturers | $847 |
| Westfield | $840 |
| Frankenmuth Mutual | $874 |
| Western Reserve | $903 |
Find Affordable Mazda MX-5 Miata Car Insurance
2015 Mazda MX-5 Miata Insurance Rates
The average annual insurance cost for a 2015 Mazda MX-5 Miata is $719. However, Texas Farm Bureau Group offers the cheapest rates, averaging $450 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $450 |
| Safeco | $507 |
| New York Central Mutual Fire | $546 |
| Mercury Insurance | $675 |
| SECURA Insurance | $720 |
| Erie | $794 |
| Preferred Mutual | $818 |
| Virginia Farm Bureau | $841 |
| Direct Auto | $864 |
| Cincinnati Insurance | $970 |
2014 Mazda MX-5 Miata Insurance Rates
The average annual insurance cost for a 2014 Mazda MX-5 Miata is $879. However, Acuity offers the cheapest rates, averaging $565 per year.
| Insurance Provider | Average Annual Cost |
| Acuity | $565 |
| Rockford Mutual Insurance | $731 |
| Rural Mutual Insurance | $786 |
| SECURA Insurance | $867 |
| Grange Mutual | $864 |
| West Bend Mutual | $959 |
| Erie | $962 |
| Hastings Mutual Insurance Co | $1,008 |
| Westfield | $1,014 |
| Chubb | $1,029 |
2013 Mazda MX-5 Miata Insurance Rates
The average annual insurance cost for a 2013 Mazda MX-5 Miata is $990. However, Capital Insurance Group offers the cheapest rates, averaging $718 per year.
| Insurance Provider | Average Annual Cost |
| Capital Insurance Group | $718 |
| Safeco | $749 |
| Virginia Farm Bureau | $780 |
| Erie | $853 |
| Dairyland Auto | $994 |
| USAA | $1,053 |
| Mutual Of Enumclaw | $1,121 |
| Donegal Mutual Insurance Co | $1,165 |
| Penn National | $1,179 |
| National Grange Mutual | $1,291 |
2012 Mazda MX-5 Miata Insurance Rates
The average annual insurance cost for a 2012 Mazda MX-5 Miata is $802. However, North Carolina Farm Bureau offers the cheapest rates, averaging $509 per year.
| Insurance Provider | Average Annual Cost |
| North Carolina Farm Bureau | $509 |
| Hastings Mutual Insurance Co | $526 |
| Erie | $563 |
| Penn National | $694 |
| GMAC Insurance Group | $699 |
| Westfield | $764 |
| Mercury Insurance | $826 |
| Kemper Auto | Infinity | $988 |
| State Farm | $1,216 |
| Farm Bureau Ins of MI | $1,235 |
2011 Mazda MX-5 Miata Insurance Rates
The average annual insurance cost for a 2011 Mazda MX-5 Miata is $1,271. However, Safeco offers the cheapest rates, averaging $247 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $247 |
| Farm Bureau Mutual (IA Group) | $1,210 |
| American Family | $1,299 |
| Bristol West | $1,285 |
| Unigard | $1,310 |
| Dairyland | $1,332 |
| AssuranceAmerica | $1,357 |
| USAA | $1,532 |
| NatGen Value | $1,566 |
| Allied | $1,567 |
2010 Mazda MX-5 Miata Insurance Rates
The average annual insurance cost for a 2010 Mazda MX-5 Miata is $913. However, MO Farm Bureau Services offers the cheapest rates, averaging $630 per year.
| Insurance Provider | Average Annual Cost |
| MO Farm Bureau Services | $630 |
| SECURA Insurance | $732 |
| Texas Farm Bureau Group | $798 |
| Electric | $840 |
| Automobile Club of Missouri | $949 |
| State Farm | $1,019 |
| Clearcover | $1,012 |
| USAA | $1,029 |
| Kemper Auto | Infinity | $1,056 |
| Shelter | $1,062 |
Find Affordable Mazda MX-5 Miata Insurance Rates
Are Mazda MX-5 Miatas Expensive To Insure?
The 2025 Mazda MX-5 Miata is generally considered affordable to insure compared to other sports cars. According to CarEdge, the average annual insurance cost for this model is approximately $1,915, which is about $980 less than the national average for popular convertible models. However, rates can vary significantly based on factors such as the driver’s age, location, driving history, and the specific trim level of the vehicle. For instance, Forbes reports that the average annual insurance cost for a Mazda MX-5 Miata can be as high as $3,517, depending on the insurance provider and coverage options. To obtain the most accurate estimate, it’s advisable to compare quotes from multiple insurers, taking into account your personal driving profile and coverage needs.
Cost of Mazda MX-5 Miata Car Insurance By Age
Age is a key factor in determining car insurance rates. Teen drivers usually face the highest premiums since they have a higher accident rate compared to other age groups. However, as you get older and gain more driving experience, your insurance costs tend to decrease due to a lower risk of accidents.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $4,868 | $7,169 | $8,400 |
| 18 | $4,565 | $6,680 | $7,823 |
| 19 | $4,016 | $5,899 | $6,913 |
| 20 | $3,516 | $5,154 | $6,004 |
| 21 | $2,945 | $4,316 | $5,066 |
| 22 | $2,842 | $4,206 | $4,897 |
| 23 | $2,499 | $3,679 | $4,299 |
| 24 | $2,359 | $3,515 | $4,094 |
| 25 | $2,065 | $3,028 | $3,530 |
| 30 | $1,582 | $2,340 | $2,733 |
| 35 | $1,490 | $2,181 | $2,589 |
| 40 | $1,426 | $2,101 | $2,486 |
| 45 | $1,395 | $2,078 | $2,390 |
| 55 | $1,289 | $1,872 | $2,198 |
| 65 | $1,356 | $1,952 | $2,302 |
| 75 | $1,706 | $2,504 | $2,891 |
Mazda MX-5 Miata Car Insurance Rates By State
Your location is a major factor in how insurance companies determine rates. Each state has its own auto insurance regulations, which can impact costs. For instance, Michigan drivers often pay higher premiums due to the state’s requirement for more extensive coverage.
Additionally, climate conditions vary by location, with some states experiencing severe weather events like hurricanes, storms, or flooding. Crime and accident rates also differ by area, including statistics on car thefts, collisions, and vehicle fatalities. Insurance companies take all these factors into account when determining your Mazda MX-5 Miata insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $1,523 | $2,235 | $2,827 |
| Alaska | $1,245 | $1,750 | $1,700 |
| Arizona | $1,445 | $2,082 | $3,049 |
| Arkansas | $1,569 | $2,440 | $2,711 |
| California | $1,748 | $3,067 | $1,729 |
| Colorado | $1,626 | $2,260 | $2,885 |
| Connecticut | $2,099 | $3,241 | $4,108 |
| Delaware | $1,719 | $2,292 | $2,948 |
| Florida | $2,069 | $2,841 | $3,674 |
| Hawaii | $668 | $900 | $668 |
| Idaho | $1,173 | $1,554 | $1,882 |
| Illinois | $1,215 | $1,821 | $2,073 |
| Indiana | $1,233 | $1,893 | $2,131 |
| Iowa | $972 | $1,374 | $1,593 |
| Kansas | $1,294 | $1,896 | $2,215 |
| Kentucky | $1,912 | $2,775 | $3,306 |
| Louisiana | $2,454 | $3,692 | $4,001 |
| Maine | $927 | $1,290 | $1,877 |
| Maryland | $1,512 | $2,187 | $2,422 |
| Massachusetts | $1,204 | $2,071 | $1,184 |
| Michigan | $2,888 | $4,380 | $6,936 |
| Minnesota | $1,208 | $1,601 | $2,227 |
| Mississippi | $1,440 | $2,032 | $2,053 |
| Missouri | $1,342 | $1,946 | $2,527 |
| Montana | $1,394 | $1,921 | $2,226 |
| Nebraska | $1,160 | $1,722 | $1,884 |
| Nevada | $1,931 | $2,823 | $2,981 |
| New Hampshire | $1,313 | $2,124 | $2,652 |
| New Jersey | $1,452 | $2,313 | $3,023 |
| New Mexico | $1,497 | $2,223 | $2,313 |
| New York | $1,409 | $1,750 | $2,940 |
| North Carolina | $863 | $1,479 | $1,069 |
| North Dakota | $1,181 | $1,785 | $2,119 |
| Ohio | $1,056 | $1,628 | $1,681 |
| Oklahoma | $1,688 | $2,413 | $2,711 |
| Oregon | $1,506 | $2,036 | $2,436 |
| Pennsylvania | $1,265 | $1,899 | $2,217 |
| Rhode Island | $2,154 | $3,129 | $3,557 |
| South Carolina | $1,443 | $2,037 | $2,784 |
| South Dakota | $1,299 | $1,896 | $2,181 |
| Tennessee | $1,548 | $2,272 | $3,002 |
| Texas | $1,555 | $2,240 | $2,799 |
| Utah | $1,303 | $1,838 | $2,539 |
| Vermont | $998 | $1,566 | $1,662 |
| Virginia | $968 | $1,466 | $1,444 |
| Washington | $1,277 | $1,706 | $2,067 |
| West Virginia | $1,253 | $1,837 | $2,303 |
| Wisconsin | $1,286 | $1,984 | $2,268 |
| Wyoming | $1,185 | $1,679 | $1,754 |
| Georgia | $1,652 | $2,500 | $2,530 |
Find Affordable Mazda MX-5 Miata Insurance Rates
Cheapest Car Insurance Companies For A Mazda MX-5 Miata
The table above compares estimated annual and monthly insurance premiums for the 2025 Mazda MX-5 Miata from five of the most affordable car insurance providers in the U.S. Based on the data, USAA offers the lowest annual premium at approximately $1,950, which breaks down to around $162 per month. This insurer is especially cost-effective for military families. GEICO also stands out for its competitive pricing, with an annual cost of about $1,870. Progressive, State Farm, and Nationwide round out the list with rates ranging from $1,920 to $2,100 annually. These figures suggest that while the Miata is a sporty vehicle, it remains relatively affordable to insure, especially when compared to higher-performance or luxury sports cars. However, actual rates will vary based on individual factors like age, location, driving history, and coverage levels. Comparing quotes remains the best way to ensure the lowest price.
| Insuarnce Company | Average Monthly |
| USAA | $162 |
| State Farm | $175 |
| GEICO | $155 |
| Progressive | $160 |
| Nationwide | $170 |
Common Mazda MX-5 Miata Insurance Discounts
Taking advantage of discounts is an effective way to reduce your car insurance costs. While each provider offers different savings opportunities, here are some common discounts to check for:
- Multi-policy discount: Bundling your auto insurance with other policies, such as home insurance, can lower your overall premium.
- Pay-in-full discount: Paying your annual premium in one lump sum instead of monthly installments can result in savings.
- Defensive driving discount: Completing a certified defensive driving course may make you eligible for a reduced rate.
There are many other potential discounts available, so it’s a good idea to speak with your insurance agent to find out which ones you qualify for.
Compare Mazda MX-5 To Other Mazda Models
- Mazda 3 Car Insurance
- Mazda CX-5 Car Insurance
- Mazda 6 Car Insurance
- Mazda CX-3 Car Insurance
- Mazda CX-30 Car Insurance
- Mazda CX-9 Car Insurance
Our Methodology
To determine average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance providers. The sample profile used for these calculations was a 40-year-old male driver purchasing full-coverage insurance with the following limits: $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, your actual insurance rates may vary based on your personal details and coverage choices.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Mazda MX-5 Miata?
Yes, you must show proof of insurance before driving your Mazda MX-5 Miata off the dealership lot. The best approach is to purchase a policy in advance and inform your insurance provider about your upcoming purchase, rather than relying on insurance offered by the dealership.
How Can You Get The Cheapest Insurance For Your Mazda MX-5 Miata?
The most effective way to find the lowest insurance rates for your Mazda MX-5 Miata is to compare quotes from multiple providers. Luckily, Insuranceopedia makes this process easy by allowing you to compare rates from different insurers directly on their website.
