Mazda MX-5-Miata Insurance Rates
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UPDATED: Jun 6, 2023
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How much is it to insure a Mazda MX-5 Miata? The average Mazda MX-5 Miata insurance rates are $100 per month or $1,202 a year. However, many factors impact your Mazda MX-5 insurance costs, like your personal driving record, and the age of your model.
For example, a 2005 Mazda MX-5 Miata is going to be cheaper to insure than the 2013 Mazda MX-5 Miata price for insurance. Keep reading our Mazda Miata insurance guide to learn how to secure cheap Miata premiums, and to review policy basics, like what is collision insurance and what does it cover.
When you’re ready, start comparing Mazda MX-5 Miata insurance rates right away by entering your five-digit ZIP code into our FREE quote tool.
Buying auto insurance by quoting online is easy and at the same time you might just save a little. The key is to get rates from all companies in order to accurately compare all possible prices.
People who are new to comparison shopping may think finding low-cost Mazda MX-5-Miata insurance is hard. Getting cheaper insurance rates is a fairly straight forward process. All you need to do is invest a few minutes to get quotes from different insurance companies. This can be accomplished by getting a quick quote here.
Auto insurance rates on a Mazda MX-5-Miata can fluctuate considerably based upon several criteria. Taken into consideration are:
- The performance level of your MX-5-Miata
- Accidents raise premiums
- Multiple policies can save money
- Pleasure use vs. commuting use
- Special coverage such as replacement cost
- Claims drive up premiums
- Maintaining coverage lowers rates
- Whether you rent or own your home
A final factor that helps determine Mazda MX-5-Miata insurance cost is the model year. Older models have a reduced actual cash value in comparison to older models so the cost to replace them will push premiums down. But more recent MX-5-Miata vehicles may have a trim level with safety features including automatic crash notification, blind-spot warning system, and an advanced theft deterrent system which may help offset higher rates.
Liability coverages
damages or injuries you inflict on things such as emergency aid, pain and suffering, and medical services. .
Collision
an object or car. . , . .
Comprehensive auto insurance
that is not covered by collision coverage. . you can receive from a comprehensive claim , .
UM/UIM (Uninsured/Underinsured Motorist) coverage
This . , . .
Coverage for medical payments
expenses doctor visits, EMT expenses, and X-ray expenses. . .
As you’ve learned from the above information, your Mazda Miata insurance costs depend on many factors including where you live, your driving record, and even your age. You now know that cheap rates may be harder to find when shopping for Miata insurance for an 18-year-old, or even a driver with a poor record. The average insurance cost for a 16-year-old male is always going to be higher than the rates for older, more experienced drivers.
The age of your model also affects what you’ll pay for car insurance. For example, the 2017 Mazda Miata cost for insurance will be much higher than your average 1993 Mazda Miata insurance rates.
Regardless of if your Mazda Miata is old or new, shopping around for Mazda MX-5 insurance quotes is the best way to find a cheap Mazda MX-5 insurance group. To secure low-cost Mazda Miata rates, just enter your ZIP code into our FREE tool below.
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What are the safety ratings for the Mazda MX-5 Miata?
Understanding the Mazda MX-5 safety ratings can help you discover car insurance discounts you qualify for. The results can sometimes also reveal areas where your vehicle might be causing your rates to increase.
However, neither the Insurance Institute for Highway Safety nor the National Highway Traffic Association has performed crash tests on the Mazda MX-5 Miata.
Fortunately, the 2020 Mazda MX-5 Miata has plenty of decent safety features, which include the following:
- Rearview camera
- Blind-spot monitoring
- Rear cross-traffic alert
- Lane departure warning
- Forward collision warning
- Automatic emergency braking system
Keep in mind that a Mazda Miata that is old may not have as many safety features or hold up as well in a crash. Be sure to look for safety discounts your vehicle might qualify for to help lower your Mazda Miata MX-5 insurance rates.
Mazda MX-5 Miata Compared Against other Vehicles in the Same Class
Comparing the Mazda MX-5 Miata to similar vehicles can help you save money, especially if the Mazda MX-5 Miata has a better insurance loss ratios than other vehicles in its class.
Officially, the Insurance Institute for Highway Safety classifies the Mazda MX-5 Miata as a mini sports car, which means the cost of Mazda Miata MX-5 liability insurance may be higher. Why? Sports cars are more prone to crashing into other vehicles due to factors like speeding.
To see how Mazda MX-5 Miata costs compare to other sports cars’ rates, take a look at the list below.
- Chevrolet Corvette Insurance Rates
- Ford Mustang Insurance Rates
- Mercedes-Benz SL-Class Insurance Rates
If you drive a model that is from 2016 or newer, we’ve got good news. Your Miata has substantially better than average property damage, personal injury, medical, and bodily injury loss ratios than other vehicles. The rates are -52 percent, -36 percent, -41 percent, and -50 percent respectively. The cost of your Mazda Miata MX-5 insurance premiums will reflect these great loss ratios.
You are now an expert on the Mazda MX-5 Miata insurance rates. Despite being a sports car, this reliable speedster often receives affordable insurance quotes. Ready to see how much a Mazda Miata costs to insure in your area? Enter your ZIP code into our FREE quote comparison tool and start shopping for cheap Miata rates.
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