Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Mazda MX-5 Miata? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Mazda MX-5 Miata car insurance facts

  • Average full coverage auto insurance premium: $132/month

  • Most affordable companies: GEICO ($80/month) & Progressive ($91/month)

  • MX-5 Miata car insurance cost vs. average rates: $18 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Mazda MX-5 Miata by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Mazda MX-5 Miata insurer costs by state:

Risk factors affecting Mazda MX-5 Miata car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your car insurance rate.

How to save money on Mazda MX-5 Miata car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Mazda models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Mazda automobile brand

Mazda Motor Corporation referred to as Mazda, is a Japanese multinational automaker’s vehicle brand specializing in fuel-efficient, sporty and affordable cars for the United States market. The target market of Mazda is urban youth of the middle and upper-middle class. Mazda focuses on advanced technology, top-of-the-line design elements, and affordability. All Mazda automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Mazda CX-5, MX-5 Miata, and the Mazda 6 are some of their most popular vehicles.

Lower than average MX-5 Miata repair costs equal lower car insurance rates

Many consumers are attracted to Mazda’s top line design elements, increased fuel efficiency, and driver-assist technologies, like Mazda’s Active Safety Technology. Automotive parts are common and less expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Mazda is lower than average since repair parts are less costly. For this reason, many Mazda’s are going to have lower than average car insurance rates to similar cars in their class.

Rapid depreciation for Mazda MX-5 Miata affecting auto insurance policies

Another factor to consider for Mazdas is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Mazda models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Mazda is known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as the Lane Keep Assist System (LAS), and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Mazda models. The Mazda 3 Hatchback, CX-3, CX-4, and CX-9 are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Mazda automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision insurance, uninsured motorist coverage, and roadside assistance for new Mazda automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Mazda MX-5 Miata

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1539
Acuity$1746
Allied$1648
Allstate$1411
American Family$1275
Country Financial$1497
Erie$1132
GEICO$960
Kentucky Farm Bureau$1523
Liberty Mutual$1154
Mercury$1349
Nationwide$1198
Progressive$1055
State Farm$1090
Tennessee Farmers$1295
Texas Farm Bureau$1246
The Hanover$1561
Travelers$1435

Compare all 2021 Mazda MX-5 Miata rates

Average Cost to Insure Per Year

$1576

List Price

$26830

Trims Available

Sport - Club - Grand Touring - Base Engine: 2.0-liter four-cylinder with 181 horsepower with Mazda I-Activsense Technologies including automated emergency braking, blind-spot monitoring, and rear cross-traffic alert, lane-departure warning, adaptive cruise control, Smart City Brake Support, Active and Passive safety features: Hill Launch Assist, Rearview Camera, Driver Attention Alert Traction Control System, Child Safety Door Locks, Dynamic Stability Control, Mazda Radar Cruise Control w/Stop & Go, Engine-Immobilizer Anti-Theft System

2020 Mazda MX-5 Miata

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1511
Allstate$1306
American Family$1228
Country Financial$1429
Erie$1121
GEICO$923
Kentucky Farm Bureau$1458
Liberty Mutual$1123
Mercury$1269
Nationwide$1164
Progressive$1053
State Farm$1088
Tennessee Farmers$1237
Texas Farm Bureau$1197
The Hanover$1497
Travelers$1359

Compare all 2020 Mazda MX-5 Miata rates

Average Cost to Insure Per Year

$1438

List Price

$26580

Trims Available

Sport - Club - Grand Touring - Base Engine: 2.0-liter four-cylinder with 181 horsepower with Mazda I-Activsense Technologies including automated emergency braking, blind-spot monitoring, and rear cross-traffic alert, lane-departure warning, adaptive cruise control, Smart City Brake Support, Active and Passive safety features: Hill Launch Assist, Rearview Camera, Driver Attention Alert Traction Control System, Child Safety Door Locks, Dynamic Stability Control, Mazda Radar Cruise Control w/Stop & Go, Engine-Immobilizer Anti-Theft System

2019 Mazda MX-5 Miata

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1467
Allstate$1267
American Family$1135
Country Financial$1391
Erie$1003
GEICO$865
Kentucky Farm Bureau$1399
Liberty Mutual$1029
Mercury$1235
Nationwide$1084
Progressive$891
State Farm$964
Tennessee Farmers$1189
Texas Farm Bureau$1126
The Hanover$1426
Travelers$1349

Compare all 2019 Mazda MX-5 Miata rates

Average Cost to Insure Per Year

$1390

List Price

$25730

Trims Available

Sport - Club - Grand Touring - Base Engine: 2.0-liter four-cylinder with 181 horsepower with Mazda I-Activsense Technologies including automated emergency braking, blind-spot monitoring, and rear cross-traffic alert, lane-departure warning, adaptive cruise control, Smart City Brake Support, Active and Passive safety features: Hill Launch Assist, Rearview Camera, Driver Attention Alert Traction Control System, Child Safety Door Locks, Dynamic Stability Control, Mazda Radar Cruise Control w/Stop & Go, Engine-Immobilizer Anti-Theft System

2018 Mazda MX-5 Miata

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1430
Allstate$1189
American Family$1080
Country Financial$1273
Erie$945
GEICO$833
Kentucky Farm Bureau$1330
Liberty Mutual$967
Mercury$1134
Nationwide$1020
Progressive$870
State Farm$932
Tennessee Farmers$1120
Texas Farm Bureau$1043
The Hanover$1415
Travelers$1260

Compare all 2018 Mazda MX-5 Miata rates

Average Cost to Insure Per Year

$1209

List Price

$25295

Trims Available

Sport - Club - Grand Touring - Base Engine: 2.0-liter four-cylinder with 181 horsepower with Mazda I-Activsense Technologies including automated emergency braking, blind-spot monitoring, and rear cross-traffic alert, lane-departure warning, adaptive cruise control, Smart City Brake Support, Active and Passive safety features: Hill Launch Assist, Rearview Camera, Driver Attention Alert Traction Control System, Child Safety Door Locks, Dynamic Stability Control, Mazda Radar Cruise Control w/Stop & Go, Engine-Immobilizer Anti-Theft System

2017 Mazda MX-5 Miata

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1427
Allstate$1240
American Family$1037
Country Financial$1260
Erie$930
GEICO$823
Kentucky Farm Bureau$1328
Liberty Mutual$945
Mercury$1135
Nationwide$987
Progressive$864
State Farm$921
Tennessee Farmers$1059
Texas Farm Bureau$1032
The Hanover$1390
Travelers$1256

Compare all 2017 Mazda MX-5 Miata rates

Average Cost to Insure Per Year

$1198

List Price

$24915

Trims Available

Sport - Club - Grand Touring - Base Engine: 2.0-liter four-cylinder with 181 horsepower with Mazda I-Activsense Technologies including automated emergency braking, blind-spot monitoring, and rear cross-traffic alert, lane-departure warning, adaptive cruise control, Smart City Brake Support, Active and Passive safety features: Hill Launch Assist, Rearview Camera, Driver Attention Alert Traction Control System, Child Safety Door Locks, Dynamic Stability Control, Mazda Radar Cruise Control w/Stop & Go, Engine-Immobilizer Anti-Theft System

2016 Mazda MX-5 Miata

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 998
Acuity$ 998
Allied$ 854
Allied$ 854
Arbella$ 1124
Arbella$ 1124
Country$ 1064
Country$ 1064
Erie$ 771
Erie$ 771
GEICO$ 903
GEICO$ 903
Nationwide$ 956
Nationwide$ 956
Plymouth Rock Insurance$ 941
Plymouth Rock Insurance$ 941
Tennessee Farmers$ 1046
Tennessee Farmers$ 1046
Texas Farm Bureau$ 791
Texas Farm Bureau$ 791
USAA$ 1055
USAA$ 1055
Vermont Mutual$ 924
Vermont Mutual$ 924

Compare all 2016 Mazda MX-5 Miata rates

Average Cost to Insure Per Year

$ 1120

List Price

$ 24915

Trims Available

Sport - Club - Grand Touring

2015 Mazda MX-5 Miata

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 933
Acuity$ 933
Allied$ 879
Allied$ 879
Country$ 1005
Country$ 1005
Erie$ 704
Erie$ 704
GEICO$ 695
GEICO$ 695
Nationwide$ 946
Nationwide$ 946
Plymouth Rock Insurance$ 914
Plymouth Rock Insurance$ 914
State Farm$ 898
State Farm$ 898
Tennessee Farmers$ 939
Tennessee Farmers$ 939
Texas Farm Bureau$ 749
Texas Farm Bureau$ 749
USAA$ 908
USAA$ 908
Vermont Mutual$ 852
Vermont Mutual$ 852

Compare all 2015 Mazda MX-5 Miata rates

Average Cost to Insure Per Year

$ 1051

List Price

$ 23970

Trims Available

Sport - Club - Grand Touring - 25th Anniversary Edition

2014 Mazda MX-5 Miata

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 845
Acuity$ 845
Allied$ 905
Allied$ 905
American Family$ 955
American Family$ 955
Country$ 944
Country$ 944
Erie$ 685
Erie$ 685
GEICO$ 652
GEICO$ 652
Nationwide$ 954
Nationwide$ 954
Plymouth Rock Insurance$ 891
Plymouth Rock Insurance$ 891
Tennessee Farmers$ 908
Tennessee Farmers$ 908
Texas Farm Bureau$ 711
Texas Farm Bureau$ 711
USAA$ 835
USAA$ 835
Vermont Mutual$ 805
Vermont Mutual$ 805

Compare all 2014 Mazda MX-5 Miata rates

Average Cost to Insure Per Year

$ 980

List Price

$ 23720

Trims Available

Sport - Club - Grand Touring

2013 Mazda MX-5 Miata

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 800
Acuity$ 800
Allied$ 785
Allied$ 785
Country$ 907
Country$ 907
Erie$ 648
Erie$ 648
GEICO$ 520
GEICO$ 520
Nationwide$ 872
Nationwide$ 872
Plymouth Rock Insurance$ 867
Plymouth Rock Insurance$ 867
State Farm$ 862
State Farm$ 862
Tennessee Farmers$ 874
Tennessee Farmers$ 874
Texas Farm Bureau$ 707
Texas Farm Bureau$ 707
USAA$ 730
USAA$ 730
Vermont Mutual$ 759
Vermont Mutual$ 759

Compare all 2013 Mazda MX-5 Miata rates

Average Cost to Insure Per Year

$ 915

List Price

$ 23720

Trims Available

Sport - Club - Grand Touring

2012 Mazda MX-5 Miata

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 772
Acuity$ 772
Allied$ 800
Allied$ 800
Erie$ 618
Erie$ 618
GEICO$ 510
GEICO$ 510
Nationwide$ 888
Nationwide$ 888
Plymouth Rock Insurance$ 848
Plymouth Rock Insurance$ 848
Progressive$ 865
Progressive$ 865
State Farm$ 740
State Farm$ 740
Tennessee Farmers$ 872
Tennessee Farmers$ 872
Texas Farm Bureau$ 685
Texas Farm Bureau$ 685
USAA$ 639
USAA$ 639
Vermont Mutual$ 736
Vermont Mutual$ 736

Compare all 2012 Mazda MX-5 Miata rates

Average Cost to Insure Per Year

$ 892

List Price

$ 23470

Trims Available

Sport - Touring - Grand Touring - Special Edition

2011 Mazda MX-5 Miata

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 758
Allied$ 758
American Family$ 839
American Family$ 839
Country$ 838
Country$ 838
Erie$ 586
Erie$ 586
GEICO$ 456
GEICO$ 456
Nationwide$ 815
Nationwide$ 815
Plymouth Rock Insurance$ 833
Plymouth Rock Insurance$ 833
Progressive$ 801
Progressive$ 801
State Farm$ 699
State Farm$ 699
Texas Farm Bureau$ 660
Texas Farm Bureau$ 660
USAA$ 630
USAA$ 630
Vermont Mutual$ 692
Vermont Mutual$ 692

Compare all 2011 Mazda MX-5 Miata rates

Average Cost to Insure Per Year

$ 834

List Price

$ 23110

Trims Available

Sport - Touring - Grand Touring - Special Edition