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.

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Updated: 04 April 2024
Written by
Ahmed
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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

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.

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