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: October 1, 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 |
A few things shape what you'll pay to insure a Mazda MX-5 Miata:
- Repair costs: Among Mazda's 17 models, the Miata ranks fifth most expensive to maintain, averaging $812 a year in repairs. That moderate cost factors into your premium.
- Trim and horsepower: Depending on the trim, the Miata puts out 181 to 208 horsepower, and the higher-performance versions cost noticeably more to insure, since insurers see more horsepower as more risk.
- Driver profile: Most Miata owners are 30 to 50 years old, with a median age around 40, and tend to get lower rates for driving more responsibly. That said, the car's sporty reputation can still make insurers wary of riskier driving. 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
Your Mazda MX-5 Miata's insurance cost depends on both the model year and your age, and newer models tend to cost more to insure. If you're 35 to 55, full coverage on a 2025 Miata runs about $152 a month, versus $147 for a 2017 model. Teens and drivers in their early 20s pay significantly more than that.
Want to lower your Miata insurance bill? Shop around. GEICO has the cheapest rate across all model years and can save you hundreds a month compared to the average.
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
Trim level matters a lot when it comes to Miata insurance costs. On the high end, full coverage for the RF Launch Edition Convertible 2D runs about $182 a month. On the low end, minimum coverage on the base Club Spec Convertible 2D is just $44. What determines where you land in that range? Performance features, how rare the trim is, and its market value.
| 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
Where you live makes a big difference in what you'll pay to insure a Miata. Minimum coverage costs just $27 a month in Wyoming, but it jumps to $145 in Louisiana. That difference is all about state risk and regulations, not the car.
| 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
There are ways to find better rates for 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, and that depends on your situation.
If you own your Miata outright, go with state minimum liability plus comprehensive and collision, and set your deductible at $1,000 to keep your premium down. Want more protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible instead. If you're financing or leasing, you'll need 100/300/100 limits, comprehensive and collision, a $500 deductible and gap insurance.
- 2Research costs and cheap companies
Review average auto insurance costs for sports cars. This helps you identify the cheapest car insurance companies that have competitive rates for performance vehicles like the MX-5 Miata.
- 3Look for more than just low rates
Reliable car insurance is more than costs. Check J.D. Power satisfaction ratings, forum discussions about claims handling, Better Business Bureau records and AM Best financial ratings before choosing an insurer. Budget options may come with limited coverage or slower service when you need to file a claim for your Miata.
- 4Explore discounts you qualify for
You may qualify for several car insurance discounts on your Mazda MX-5 Miata. Common ones include good driver discounts, safety feature discounts, anti-theft device discounts and multi-vehicle savings. Many insurers also give you a discount for bundling auto and home policies, plus loyalty rewards if you stick with them long-term.
- 5Consider alternative car insurance types
If you own a Mazda MX-5 Miata, it's worth looking into usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These track your actual driving habits and lower your premium based on how safely you drive. Since sports cars like the Miata often get weekend or recreational use rather than daily driving, these programs can be a good way to bring your costs down.
- 6Check rates every year
Get car insurance quotes from a few different companies every year. Your insurer isn't going to call you up when a competitor drops their prices, so comparing rates annually could save you up to 24% on your Mazda MX-5 Miata insurance. Rates shift often, and new discounts or coverage options can bring your premium down quite a bit.
Mazda MX-5 Miata Insurance Cost: Bottom Line
A Mazda MX-5 Miata is one of the cheaper sports cars to insure, since it costs less than average. Compare quotes from a few insurers and grab every discount you can, and you'll likely find an even better rate.
Mazda MX-5 Miata Insurance Rates: FAQ
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.
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.
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.
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.
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 is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.