Mazda MX-5 Miata Grand Touring 2-Dr Convertible Insurance Rates

The average insurance rates for a Mazda MX-5 Miata Grand Touring 2-Dr Convertible are $1,252 a year for full coverage insurance. Comprehensive insurance costs an estimated $298 each year, collision costs $508, and liability costs $310. Buying just liability costs as little as $370 a year, with insurance for high-risk drivers costing $2,690 or more. Teen drivers cost the most to insure at $4,534 a year or more.

Annual premium for full coverage: $1,252

Policy rates broken down by individual coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Mazda MX-5 Miata Trim Level

These price differences illustrate why all drivers should compare rates for a targeted area and risk profile, instead of using price averages.

Use the form below to get rates for your location.

Insurance rates for a Mazda MX-5 Miata Grand Touring 2-Dr Convertible also range considerably based on your risk profile, the model year, and liability limits and deductibles.

More mature drivers with a clean driving record and high deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $4,500 a year. View Rates by Age

Your home state makes a big difference in Mazda MX-5 Miata Grand Touring 2-Dr Convertible insurance prices. A 40-year-old driver could pay as low as $1,180 a year in states like , , and North Carolina, or as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $540 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $279 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,500 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 134% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison and see which company has the best rate. Every company uses a different rate calculation, so the rates will be varied from one company to the next.

View Chart as Image

The chart estimates Mazda MX-5 Miata Grand Touring 2-Dr Convertible insurance rates for different risk profiles and scenarios. The best rate after discounts is $721. Drivers who choose higher $1,000 deductibles will pay around $1,070. The average rate for a driver around age 40 using $500 deductibles is $1,252. Using lower $100 deductibles for physical damage coverage can cost as much as $1,608. High risk drivers could be charged around $2,690. The policy rate for full coverage for a teenage driver is $4,534.

View Chart as Image