Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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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 RF? 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 RF insurance facts

  • Average full coverage auto insurance premium: $140/month

  • Most affordable companies: Erie ($85/month) & Texas Farm Bureau ($92/month)

  • MX-5 Miata RF insurance cost vs. average rates: $13 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 RF 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 RF insurer costs by state:

Risk factors affecting Mazda MX-5 Miata RF 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 rate.

How to save money on Mazda MX-5 Miata RF 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 Mazda MX-5 Miata RF repair costs equal lower coverage 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 RF affecting auto 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 coverage, 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 RF

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1789
Acuity$1911
Allied$1359
Allstate$1537
American Family$1428
Country Financial$1641
Erie$1029
GEICO$1347
Kentucky Farm Bureau$1690
Liberty Mutual$1291
Mercury$1524
Nationwide$1187
Progressive$1238
State Farm$1139
Tennessee Farmers$1486
Texas Farm Bureau$1116
The Hanover$1750
Travelers$1629

Compare all 2021 Mazda MX-5 Miata RF rates

Average Cost to Insure Per Year

$1684

List Price

$33045

Trims Available

Club - Grand Touring - Launch Edition SV - Base Engine: Skyactiv-G 2.0 engine delivers 181 hp 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 RF

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1743
Allied$1265
Allstate$1435
American Family$1329
Country Financial$1524
Erie$986
GEICO$1240
Kentucky Farm Bureau$1530
Liberty Mutual$1158
Mercury$1388
Nationwide$1134
State Farm$1068
Tennessee Farmers$1339
Texas Farm Bureau$1035
The Hanover$1629
Travelers$1461

Compare all 2020 Mazda MX-5 Miata RF rates

Average Cost to Insure Per Year

$1635

List Price

$33045

Trims Available

Club - Grand Touring - Launch Edition SV - Base Engine: Skyactiv-G 2.0 engine delivers 181 hp 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 RF

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1637
Allied$1140
Allstate$1326
American Family$1149
Country Financial$1426
Erie$926
GEICO$1080
Kentucky Farm Bureau$1467
Liberty Mutual$1026
Mercury$1290
Nationwide$967
State Farm$944
Tennessee Farmers$1216
Texas Farm Bureau$930
The Hanover$1520
Travelers$1350

Compare all 2019 Mazda MX-5 Miata RF rates

Average Cost to Insure Per Year

$1480

List Price

$32345

Trims Available

Club - Grand Touring - Launch Edition SV - Base Engine: Skyactiv-G 2.0 engine delivers 181 hp 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 RF

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1590
Allied$1135
Allstate$1265
American Family$1136
Country Financial$1354
Erie$920
GEICO$1087
Kentucky Farm Bureau$1356
Liberty Mutual$1026
Mercury$1216
Nationwide$933
State Farm$930
Tennessee Farmers$1190
Texas Farm Bureau$926
The Hanover$1430
Travelers$1302

Compare all 2018 Mazda MX-5 Miata RF rates

Average Cost to Insure Per Year

$1398

List Price

$32800

Trims Available

Club - Grand Touring - Launch Edition SV - Base Engine: Skyactiv-G 2.0 engine delivers 181 hp 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 RF

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1096
Acuity$ 1096
Allied$ 1062
Allied$ 1062
Country$ 1175
Country$ 1175
Erie$ 1027
Erie$ 1027
GEICO$ 1061
GEICO$ 1061
Nationwide$ 1120
Nationwide$ 1120
Plymouth Rock Insurance$ 970
Plymouth Rock Insurance$ 970
State Farm$ 1105
State Farm$ 1105
Tennessee Farmers$ 1151
Tennessee Farmers$ 1151
Texas Farm Bureau$ 815
Texas Farm Bureau$ 815
USAA$ 1006
USAA$ 1006
Vermont Mutual$ 1048
Vermont Mutual$ 1048

Compare all 2017 Mazda MX-5 Miata RF rates

Average Cost to Insure Per Year

$ 1204

List Price

$ 31555

Trims Available

Club - Grand Touring - Launch Edition SV