Average insurance costs for a Mazda MX-5 Miata run $137 a month for full coverage and $71 for minimum coverage. Depending on your trim and model year, you'll pay anywhere from $44 to $212 a month.
Mazda MX-5 Miata Insurance Cost
Updated: May 14, 2026
Key Takeaways
GEICO offers the cheapest insurance rates on average for a Mazda MX-5 Miata, with full coverage averaging $108 a month. Rates can vary based on your model year and chosen insurer. Read more.
The MX-5 Miata ranks first out of 115 sports cars for insurance affordability, the most affordable option in its class. Sports cars still cost more to insure than other vehicle types due to higher performance capabilities and increased repair costs. Read more.
For the most accurate insurance rates, look up costs for your MX-5 Miata's model year, especially if you're adding a teen driver to your policy. Read MoneyGeek's analysis of rates by company for specific MX-5 Miata model years depending on the age of the drivers.
How Much Is Mazda MX-5 Miata Insurance?
| Mazda Mx-5 Miata | $71 | $137 |
Looking for another Mazda model? Read more about the cost of Mazda car insurance models.
Your Mazda MX-5 Miata's insurance costs vary by model year, with full coverage ranging from $101 a month for 2021 models to $212 for 2015 models. Like most vehicles, newer MX-5 Miatas cost more to insure because they're worth more money.
Costs vary by model year and insurer. Mazda MX-5 Miata minimum coverage insurance costs range from $50 a month with GEICO to $122 with UAIC. Full coverage costs range from $106 a month with Travelers to $240 with AIG.
MX-5 Miata owners should shop between insurers since minimum coverage varies by $72 and full coverage by $134. Insurance companies use different risk calculations for the MX-5 Miata that affect your final quote.
| AAA | $84 | $174 |
| AIG | $100 | $240 |
| Allstate | $95 | $183 |
| Amica | $92 | $188 |
| Chubb | $90 | $177 |
| Farmers | $103 | $179 |
| Geico | $50 | $108 |
| Kemper | $73 | $150 |
| Nationwide | $73 | $126 |
| Progressive | $69 | $129 |
| State Farm | $66 | $137 |
| The Hartford | $83 | $142 |
| Travelers | $57 | $106 |
| UAIC | $122 | $151 |
Is Mazda MX-5 Miata Expensive to Insure?
Sports car insurance costs vary, so comparing the Mazda MX-5 Miata to similar vehicles reveals its true affordability. MoneyGeek analyzed 115 sports cars in our rate database and found the Miata ranks 1st for affordability. It's a few dollars cheaper per month than a Saturn Sky, and no sports cars in the database cost less to insure.
While sports cars often carry higher insurance costs, the Miata breaks that trend. Among all 827 vehicles in our database, it ranks 83rd overall for affordability. The Rolls Royce La Rose Noire sits at the opposite end as the most expensive sports car for coverage.
| Mazda MX-5 Miata | $104 | 1 |
| Saturn Sky | $109 | 2 |
| Honda S2000 | $109 | 3 |
| Pontiac Firebird | $111 | 4 |
Multiple factors affect what you'll pay for Mazda MX-5 Miata insurance:
- Average repair or replacement costs: As Mazda's 5th most expensive model to maintain out of 17, the MX-5 Miata's repair costs average $812 annually. This moderate maintenance expense affects your insurance premiums.
- Vehicle trim, features and accessories: The MX-5 Miata's horsepower ranges from 181 to 208 depending on trim, with higher performance variants commanding considerably more in premiums. Insurers charge more for trims with greater horsepower due to increased risk.
- Driver profile: Most MX-5 Miata owners are 30 to 50 years old with a median age around 40, earning lower rates due to responsible driving behavior. The sports car's performance reputation, though, attracts risk-taking that concerns insurers. Read more about the costs of Mazda MX-5 Miatas for young drivers.
Mazda MX-5 Miata Costs by Model Year and Driver Age by Insurance Company
Insurance costs for your Mazda MX-5 Miata vary by model year and driver age. Newer models cost more than older ones. Full coverage for a 35- to 55-year-old driver with a 2025 Mazda MX-5 Miata costs an average of $152 a month compared to $147 for a 2017 Mazda MX-5 Miata. Young drivers in their teens and early 20s pay much more.
Compare insurers to lower your MX-5 Miata insurance costs. GEICO is the cheapest insurer across all model years and saves drivers hundreds of dollars a month compared to the average rate.
Recent model years:
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Mazda MX-5 Miata
| Geico | $57 | $123 |
| Travelers | $60 | $113 |
| National General | $67 | $138 |
| Nationwide | $73 | $126 |
| Progressive | $74 | $138 |
| Kemper | $76 | $158 |
| State Farm | $76 | $158 |
| Chubb | $80 | $159 |
| AAA | $98 | $203 |
| Allstate | $101 | $195 |
| The Hartford | $102 | $174 |
| Amica | $103 | $211 |
| AIG | $108 | $258 |
| Farmers | $118 | $206 |
| UAIC | $126 | $155 |
2025 Mazda MX-5 Miata Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $571 | $522 | $480 | $407 | $344 | $223 | $207 | $193 | $183 | $164 |
| State Farm | $593 | $523 | $463 | $399 | $353 | $300 | $273 | $243 | $223 | $196 |
| Travelers | $697 | $505 | $403 | $310 | $276 | $195 | $179 | $166 | $154 | $130 |
| Geico | $699 | $509 | $428 | $310 | $267 | $216 | $199 | $164 | $156 | $141 |
| Allstate | $931 | $728 | $588 | $435 | $389 | $304 | $276 | $260 | $245 | $217 |
| Progressive | $1,000 | $807 | $670 | $373 | $326 | $263 | $235 | $209 | $193 | $165 |
| Farmers | $1,258 | $936 | $834 | $528 | $500 | $383 | $339 | $326 | $309 | $259 |
Cost of Car Insurance for 2024 Mazda MX-5 Miata
| Geico | $54 | $118 |
| Travelers | $58 | $108 |
| National General | $65 | $132 |
| Nationwide | $70 | $121 |
| Progressive | $71 | $133 |
| Kemper | $73 | $152 |
| State Farm | $73 | $152 |
| Chubb | $77 | $153 |
| AAA | $94 | $195 |
| Allstate | $97 | $188 |
| The Hartford | $98 | $168 |
| Amica | $99 | $203 |
| AIG | $104 | $248 |
| Farmers | $114 | $198 |
| UAIC | $121 | $149 |
2024 Mazda MX-5 Miata Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $549 | $503 | $462 | $392 | $331 | $215 | $199 | $186 | $176 | $158 |
| State Farm | $571 | $503 | $445 | $384 | $339 | $288 | $262 | $234 | $214 | $188 |
| Travelers | $670 | $486 | $387 | $298 | $266 | $188 | $172 | $160 | $148 | $125 |
| Geico | $672 | $489 | $412 | $299 | $257 | $208 | $191 | $158 | $150 | $136 |
| Allstate | $895 | $700 | $565 | $418 | $374 | $292 | $265 | $250 | $236 | $209 |
| Progressive | $962 | $777 | $644 | $359 | $313 | $253 | $226 | $201 | $185 | $159 |
| Farmers | $1,210 | $900 | $803 | $508 | $481 | $369 | $327 | $313 | $297 | $250 |
Cost of Car Insurance for 2023 Mazda MX-5 Miata
| Geico | $45 | $97 |
| Travelers | $48 | $89 |
| National General | $53 | $109 |
| Nationwide | $57 | $100 |
| Progressive | $59 | $109 |
| Kemper | $60 | $125 |
| State Farm | $60 | $125 |
| Chubb | $63 | $126 |
| AAA | $77 | $160 |
| Allstate | $80 | $154 |
| The Hartford | $81 | $138 |
| Amica | $82 | $167 |
| AIG | $85 | $204 |
| Farmers | $94 | $163 |
| UAIC | $99 | $122 |
2023 Mazda MX-5 Miata Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $451 | $413 | $380 | $322 | $272 | $177 | $164 | $153 | $145 | $130 |
| State Farm | $469 | $413 | $366 | $315 | $279 | $237 | $215 | $192 | $176 | $155 |
| Travelers | $551 | $400 | $318 | $245 | $218 | $154 | $141 | $131 | $122 | $103 |
| Geico | $552 | $402 | $338 | $245 | $211 | $171 | $157 | $130 | $123 | $112 |
| Allstate | $736 | $576 | $465 | $344 | $308 | $240 | $218 | $206 | $194 | $172 |
| Progressive | $790 | $638 | $529 | $295 | $257 | $208 | $185 | $165 | $152 | $131 |
| Farmers | $995 | $740 | $660 | $418 | $396 | $303 | $268 | $258 | $244 | $205 |
Cost of Car Insurance for 2022 Mazda MX-5 Miata
| Geico | $42 | $91 |
| Travelers | $44 | $83 |
| National General | $50 | $102 |
| Nationwide | $54 | $93 |
| Progressive | $55 | $102 |
| Kemper | $56 | $116 |
| State Farm | $56 | $117 |
| Chubb | $59 | $118 |
| AAA | $72 | $150 |
| Allstate | $75 | $144 |
| The Hartford | $75 | $129 |
| Amica | $76 | $156 |
| AIG | $80 | $190 |
| Farmers | $87 | $152 |
| UAIC | $93 | $114 |
2022 Mazda MX-5 Miata Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $422 | $386 | $355 | $301 | $254 | $165 | $153 | $143 | $135 | $121 |
| State Farm | $438 | $386 | $342 | $295 | $260 | $221 | $201 | $180 | $164 | $145 |
| Travelers | $514 | $373 | $297 | $229 | $204 | $144 | $132 | $122 | $114 | $96 |
| Geico | $516 | $376 | $316 | $229 | $197 | $159 | $147 | $121 | $115 | $104 |
| Allstate | $687 | $538 | $434 | $321 | $287 | $224 | $203 | $192 | $181 | $160 |
| Progressive | $738 | $596 | $494 | $275 | $240 | $194 | $173 | $154 | $142 | $122 |
| Farmers | $929 | $691 | $616 | $390 | $369 | $283 | $251 | $240 | $228 | $191 |
Cost of Car Insurance for 2021 Mazda MX-5 Miata
| Geico | $37 | $82 |
| Travelers | $40 | $75 |
| National General | $45 | $91 |
| Nationwide | $48 | $84 |
| Progressive | $49 | $91 |
| Kemper | $50 | $105 |
| State Farm | $51 | $105 |
| Chubb | $53 | $106 |
| AAA | $65 | $134 |
| Allstate | $67 | $129 |
| The Hartford | $68 | $115 |
| Amica | $68 | $140 |
| AIG | $71 | $171 |
| Farmers | $78 | $137 |
| UAIC | $83 | $103 |
2021 Mazda MX-5 Miata Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $378 | $346 | $318 | $270 | $228 | $148 | $137 | $128 | $121 | $109 |
| State Farm | $393 | $346 | $307 | $264 | $234 | $199 | $181 | $161 | $147 | $130 |
| Travelers | $462 | $335 | $267 | $205 | $183 | $129 | $119 | $110 | $102 | $86 |
| Geico | $463 | $337 | $284 | $206 | $177 | $143 | $132 | $109 | $103 | $94 |
| Allstate | $617 | $483 | $389 | $288 | $258 | $201 | $183 | $172 | $163 | $144 |
| Progressive | $663 | $535 | $444 | $247 | $216 | $174 | $155 | $139 | $128 | $110 |
| Farmers | $834 | $620 | $553 | $350 | $332 | $254 | $225 | $216 | $205 | $172 |
Cost of Car Insurance for 2020 Mazda MX-5 Miata
| Geico | $43 | $93 |
| Travelers | $45 | $85 |
| National General | $51 | $104 |
| Nationwide | $55 | $95 |
| Progressive | $56 | $104 |
| Kemper | $57 | $119 |
| State Farm | $58 | $119 |
| Chubb | $60 | $120 |
| AAA | $74 | $153 |
| Allstate | $76 | $147 |
| The Hartford | $77 | $131 |
| Amica | $78 | $159 |
| AIG | $81 | $194 |
| Farmers | $89 | $155 |
| UAIC | $95 | $117 |
2020 Mazda MX-5 Miata Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $431 | $394 | $362 | $307 | $260 | $169 | $156 | $146 | $138 | $124 |
| State Farm | $448 | $394 | $349 | $301 | $266 | $226 | $206 | $184 | $168 | $148 |
| Travelers | $526 | $381 | $304 | $234 | $208 | $147 | $135 | $125 | $116 | $98 |
| Geico | $527 | $384 | $323 | $234 | $202 | $163 | $150 | $124 | $117 | $106 |
| Allstate | $702 | $549 | $443 | $328 | $294 | $229 | $208 | $196 | $185 | $164 |
| Progressive | $754 | $609 | $505 | $281 | $246 | $199 | $177 | $158 | $145 | $125 |
| Farmers | $949 | $706 | $630 | $399 | $377 | $289 | $256 | $246 | $233 | $196 |
Cost of Car Insurance for 2019 Mazda MX-5 Miata
| Geico | $55 | $120 |
| Travelers | $73 | $135 |
| National General | $76 | $157 |
| Progressive | $79 | $148 |
| Nationwide | $83 | $144 |
| State Farm | $89 | $185 |
| The Hartford | $104 | $177 |
| AAA | $105 | $218 |
| Kemper | $106 | $218 |
| Allstate | $109 | $209 |
| Amica | $117 | $239 |
| Chubb | $133 | $264 |
| AIG | $135 | $339 |
| Farmers | $136 | $241 |
| UAIC | $144 | $182 |
2019 Mazda MX-5 Miata Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $655 | $599 | $552 | $468 | $395 | $257 | $238 | $222 | $210 | $188 |
| Geico | $678 | $495 | $416 | $302 | $260 | $210 | $193 | $160 | $152 | $138 |
| State Farm | $698 | $614 | $543 | $469 | $414 | $352 | $320 | $285 | $261 | $230 |
| Travelers | $819 | $587 | $464 | $357 | $315 | $231 | $211 | $194 | $180 | $155 |
| Allstate | $1,000 | $783 | $631 | $466 | $417 | $325 | $295 | $279 | $263 | $233 |
| Progressive | $1,071 | $865 | $718 | $400 | $349 | $282 | $251 | $224 | $206 | $177 |
| Farmers | $1,507 | $1,116 | $993 | $615 | $580 | $441 | $393 | $376 | $357 | $300 |
Cost of Car Insurance for 2018 Mazda MX-5 Miata
| Geico | $56 | $122 |
| National General | $75 | $153 |
| Travelers | $78 | $143 |
| Progressive | $86 | $162 |
| State Farm | $91 | $191 |
| Nationwide | $96 | $165 |
| Kemper | $97 | $198 |
| The Hartford | $103 | $175 |
| AAA | $103 | $215 |
| Allstate | $109 | $211 |
| Amica | $115 | $236 |
| Chubb | $129 | $257 |
| AIG | $134 | $336 |
| Farmers | $140 | $248 |
| UAIC | $145 | $183 |
2018 Mazda MX-5 Miata Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $690 | $504 | $423 | $307 | $264 | $213 | $197 | $163 | $154 | $140 |
| State Farm | $717 | $631 | $558 | $482 | $426 | $362 | $329 | $293 | $268 | $236 |
| Nationwide | $750 | $688 | $633 | $537 | $453 | $294 | $273 | $254 | $240 | $215 |
| Travelers | $863 | $620 | $489 | $377 | $332 | $244 | $223 | $206 | $190 | $165 |
| Allstate | $1,009 | $790 | $637 | $470 | $421 | $328 | $298 | $281 | $265 | $235 |
| Progressive | $1,175 | $949 | $787 | $438 | $383 | $309 | $275 | $245 | $226 | $194 |
| Farmers | $1,559 | $1,155 | $1,027 | $635 | $598 | $454 | $405 | $387 | $368 | $309 |
Cost of Car Insurance for 2017 Mazda MX-5 Miata
| Geico | $54 | $117 |
| National General | $70 | $143 |
| Travelers | $75 | $139 |
| Progressive | $86 | $162 |
| State Farm | $88 | $184 |
| Kemper | $95 | $192 |
| AAA | $101 | $209 |
| The Hartford | $101 | $172 |
| Nationwide | $103 | $179 |
| Allstate | $104 | $200 |
| Amica | $108 | $222 |
| Chubb | $119 | $237 |
| AIG | $128 | $320 |
| Farmers | $132 | $234 |
| UAIC | $142 | $178 |
2017 Mazda MX-5 Miata Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $659 | $481 | $404 | $293 | $252 | $204 | $188 | $155 | $147 | $134 |
| State Farm | $694 | $611 | $540 | $467 | $412 | $350 | $318 | $284 | $259 | $228 |
| Nationwide | $811 | $744 | $685 | $581 | $491 | $318 | $295 | $275 | $260 | $233 |
| Travelers | $837 | $600 | $473 | $364 | $321 | $237 | $216 | $199 | $184 | $160 |
| Allstate | $959 | $751 | $604 | $445 | $398 | $311 | $282 | $266 | $251 | $222 |
| Progressive | $1,179 | $952 | $789 | $439 | $383 | $309 | $275 | $246 | $226 | $194 |
| Farmers | $1,457 | $1,080 | $961 | $597 | $563 | $428 | $382 | $365 | $347 | $292 |
Cost of Car Insurance for 2016 Mazda MX-5 Miata
| Geico | $45 | $98 |
| National General | $57 | $118 |
| Travelers | $63 | $115 |
| Progressive | $65 | $122 |
| State Farm | $80 | $167 |
| AAA | $89 | $184 |
| Nationwide | $90 | $155 |
| Amica | $90 | $184 |
| The Hartford | $93 | $158 |
| Allstate | $93 | $180 |
| Chubb | $100 | $197 |
| AIG | $110 | $274 |
| Kemper | $110 | $228 |
| Farmers | $113 | $198 |
| UAIC | $129 | $161 |
2016 Mazda MX-5 Miata Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $553 | $403 | $339 | $245 | $212 | $171 | $157 | $130 | $123 | $112 |
| State Farm | $630 | $554 | $490 | $423 | $374 | $318 | $288 | $257 | $235 | $207 |
| Nationwide | $703 | $644 | $593 | $503 | $425 | $275 | $255 | $238 | $225 | $201 |
| Travelers | $706 | $503 | $396 | $304 | $268 | $197 | $179 | $165 | $153 | $133 |
| Allstate | $864 | $676 | $544 | $401 | $359 | $280 | $254 | $240 | $226 | $200 |
| Progressive | $883 | $712 | $590 | $330 | $288 | $232 | $207 | $185 | $170 | $146 |
| Farmers | $1,232 | $914 | $813 | $507 | $478 | $364 | $324 | $310 | $295 | $248 |
Mazda MX-5 Miata Insurance Cost by Trim
Your Mazda MX-5 Miata's trim level affects insurance costs, with rates ranging from $182 a month for full coverage on high-performance RF Launch Edition Convertible 2D models to $44 for minimum coverage on base Club Spec Convertible 2D variants. Performance features, rarity and market value determine where each trim falls in this range.
| Club Spec Convertible 2d | $44 | $84 |
| Club Sport Convertible 2d | $44 | $85 |
| Sv Convertible 2d | $57 | $110 |
| Shinsen Convertible 2d | $57 | $110 |
| Convertible 2d | $60 | $116 |
| Ls Convertible 2d | $61 | $118 |
| Mazdaspeed Convertible 2d | $62 | $119 |
| Mazdaspeed Grand Touring Convertible 2d | $63 | $122 |
| Sport | $65 | $126 |
| Se Convertible 2d | $65 | $125 |
| Touring Convertible 2d | $65 | $126 |
| 3rd Generation Limited Convertible 2d | $66 | $128 |
| Rf Club W/Brembo Bbs Recaro Pkg Convertible 2d | $68 | $133 |
| Rf Grand Touring Convertible 2d | $70 | $137 |
| Sport Convertible 2d | $71 | $137 |
| Club | $72 | $139 |
| Grand Touring Convertible 2d | $74 | $143 |
| Rf Club Convertible 2d | $74 | $144 |
| Sport Hard Top Convertible 2d | $74 | $143 |
| Grand Touring | $76 | $147 |
| Club Convertible 2d | $76 | $148 |
| Touring Hard Top Convertible 2d | $79 | $152 |
| 35th Anniversay | $80 | $156 |
| Special Edition Convertible 2d | $80 | $155 |
| Grand Touring Hard Top Convertible 2d | $80 | $155 |
| Rf Grand Touring | $82 | $159 |
| 25th Anniversary Edition Convertible 2d | $82 | $159 |
| Rf 30th Anniversary Convertible 2d | $87 | $169 |
| Rf Club W/Brembo Bbs Recaro Pkg | $89 | $172 |
| 30th Anniversary Edition Convertible 2d | $89 | $174 |
| Rf Launch Edition Convertible 2d | $94 | $182 |
Mazda MX-5 Miata Insurance Cost by State
Car insurance for a Mazda MX-5 Miata ranges from $27 a month in Wyoming to $145 a month in Louisiana for minimum coverage, depending on where you're located. These cost differences reflect your state's risk characteristics and insurance regulations rather than anything about the vehicle itself.
| Alabama | $58 | $110 |
| Alaska | $51 | $108 |
| Arizona | $88 | $164 |
| Arkansas | $54 | $122 |
| California | $68 | $137 |
| Colorado | $68 | $163 |
| Connecticut | $97 | $167 |
| Delaware | $98 | $165 |
| Florida | $89 | $203 |
| Georgia | $100 | $165 |
| Hawaii | $39 | $88 |
| Idaho | $37 | $76 |
| Illinois | $64 | $119 |
| Indiana | $45 | $88 |
| Iowa | $38 | $91 |
| Kansas | $50 | $117 |
| Kentucky | $89 | $150 |
| Louisiana | $145 | $311 |
| Maine | $36 | $75 |
| Maryland | $102 | $171 |
| Massachusetts | $72 | $153 |
| Michigan | $111 | $214 |
| Minnesota | $58 | $120 |
| Mississippi | $62 | $122 |
| Missouri | $82 | $164 |
| Montana | $49 | $117 |
| Nebraska | $51 | $116 |
| Nevada | $123 | $223 |
| New Hampshire | $49 | $87 |
| New Jersey | $118 | $195 |
| New Mexico | $56 | $126 |
| New York | $85 | $154 |
| North Carolina | $58 | $114 |
| North Dakota | $42 | $92 |
| Ohio | $51 | $98 |
| Oklahoma | $63 | $140 |
| Oregon | $86 | $150 |
| Pennsylvania | $60 | $139 |
| Rhode Island | $87 | $156 |
| South Carolina | $72 | $134 |
| South Dakota | $36 | $111 |
| Tennessee | $53 | $108 |
| Texas | $89 | $181 |
| Utah | $75 | $128 |
| Vermont | $32 | $76 |
| Virginia | $66 | $108 |
| Washington | $63 | $116 |
| West Virginia | $61 | $123 |
| Wisconsin | $44 | $97 |
| Wyoming | $27 | $83 |
How to Lower the Cost of Mazda MX-5 Miata Insurance
Here's how you'll find better rates on your Mazda MX-5 Miata insurance:
- 1Choose the right coverage
You'll need to figure out how much coverage to buy for your Mazda MX-5 Miata. Own your sports car? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 limits, comprehensive and collision with $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for sports cars. This helps you identify the cheapest car insurance companies offering competitive rates for performance vehicles like the MX-5 Miata.
- 3Look for more than just low rates
Reliable car insurance requires more than comparing quotes. Look up J.D. Power satisfaction ratings, forum discussions about claims handling, Better Business Bureau records and AM Best financial ratings. Budget options may provide limited coverage or slower service when you need to file a claim for your Miata.
- 4Explore discounts you qualify for
Car insurance discounts may apply to your Mazda MX-5 Miata insurance. Owners commonly qualify for good driver discounts, safety features discounts, anti-theft device discounts and multi-vehicle savings. Many insurers also offer bundling discounts when you combine auto and home policies, plus loyalty rewards for long-term customers.
- 5Consider alternative car insurance types
Mazda MX-5 Miata owners may benefit from usage-based insurance programs such as Progressive Snapshot or Allstate Drivewise. These programs track safe driving habits and reduce premiums based on your actual driving behavior. Since sports cars tend to see weekend or recreational use, these programs can help lower insurance costs.
- 6Check rates every year
Get car insurance quotes from multiple companies every year. Your insurer won't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on your Mazda MX-5 Miata insurance. Market conditions change frequently, and new discounts or coverage options may reduce your premiums considerably.
Mazda MX-5 Miata Insurance Cost: Bottom Line
Mazda MX-5 Miata insurance costs less than average, so it's one of the more affordable sports cars to insure. You'll find even better rates by comparing quotes from multiple insurers and maximizing available discounts.
Mazda MX-5 Miata Insurance Rates: FAQ
What is the average cost of car insurance for a Mazda MX-5 Miata?
Mazda MX-5 Miata insurance costs $848 annually for state minimum coverage and $1,642 yearly for full coverage. Monthly premiums average $71 for minimum and $137 for comprehensive protection.
What company has the cheapest car insurance for a Mazda MX-5 Miata?
GEICO provides the most affordable minimum coverage for a Mazda MX-5 Miata at $600 annually. Travelers offers the best value for full coverage at $1,272 per year.
Are Mazda MX-5 Miatas expensive to insure?
No, the Mazda MX-5 Miata is not expensive to insure. Among sports cars, it ranks first out of 115 for affordability and places 83rd out of 827 vehicles overall.
What factors affect insurance costs for Mazda MX-5 Miatas?
Multiple factors influence your Mazda MX-5 Miata insurance premiums. Your driving record and credit score considerably impact costs, along with your coverage selections. The sports car's performance characteristics and convertible design also affect rates, though Miatas remain relatively affordable to insure compared to other sports cars.
How can I lower Mazda MX-5 Miata insurance costs?
Compare quotes from multiple insurers since Mazda MX-5 Miata costs differ between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle policies and maintain a clean driving record to get lower rates.
How We Determined Mazda MX-5 Miata Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate Mazda MX-5 Miata insurance costs.
Who We Based These Rates On
These Mazda MX-5 Miata prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.