Mazda MX-5 Miata Car Insurance Cost
Insuring a Mazda MX-5 Miata will run you approximately $1,636 annually through Direct Auto. However, the actual expenses can vary based on factors like your age, the car’s model year, and other considerations. You can refer to our quote tables below to get a better idea of how much it might cost for you specifically.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re thinking about buying a Mazda MX-5 Miata, you should factor in the cost of insurance. Insurance is a big part of owning a car, and it’s important to understand what you’re signing up for before you commit to a purchase.
Choosing the wrong car insurance could result in unexpected and potentially expensive bills later on. It’s essential to make sure you have the right coverage in case of an accident, so you’re not stuck with hefty out-of-pocket expenses. Plus, if you’re at fault, your premiums could go up.
Having analyzed car insurance rates for over ten years, I’ve seen how much they can vary. Your age, driving history, and even where you live can all play a big role in determining how much you’ll pay for insurance.
How Much Does Mazda MX-5 Miata Car Insurance Cost?
Typically, Direct Auto provides the best deal, charging around $1,636 annually for comprehensive insurance coverage on a 2023 Mazda MX-5 Miata.
While Direct Auto’s price serves as a useful reference point, it’s crucial to recognize that car insurance expenses can fluctuate significantly due to various factors. These factors encompass your location, driving background, the model year of your car, and the specific types of coverage you select. Maintaining a clean driving history can result in lower insurance premiums, whereas a track record of accidents or traffic violations might hike up your expenses.
Furthermore, residing in a densely populated urban area with heavy traffic can lead to higher insurance rates compared to rural regions with lighter traffic flow. Your choice of coverage also plays a role in determining your premium—comprehensive insurance, which includes both comprehensive and collision coverage, tends to be pricier than basic liability coverage.
Insuranceopedia is available to assist you in navigating the insurance market by comparing quotes from various providers, ensuring you secure the most favorable deal.
2023 Mazda MX-5 Miata Insurance Rates
| 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
| 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
| 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
| 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
| 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
| 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
| 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
| 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 |
2015 Mazda MX-5 Miata Insurance Rates
| 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
| 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
| 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
| 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
| 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
| 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 |
Cost of Mazda MX-5 Miata Car Insurance By Age
| 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
| 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 |
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
FAQs
Who has the cheapest car insurance for a Mazda MX-5 Miata?
Direct Auto offers the most affordable car insurance for the 2023 model year Mazda MX-5 Miata.
Which company offers the best car insurance for a Mazda MX-5 Miata?
Considering their combination of low rates, comprehensive coverage, and excellent customer service ratings, we consider Direct Auto to provide the top car insurance option for a Mazda MX-5 Miata.
