Mazda MX-5 Miata Sport 2-Dr Convertible Insurance Rates

Average insurance rates for a Mazda MX-5 Miata Sport 2-Dr Convertible are $1,162 a year with full coverage. Comprehensive costs on average $270 each year, collision insurance costs $446, and liability costs $310. Liability-only coverage costs as little as $370 a year, and high-risk coverage costs around $2,488. Teen drivers receive the highest rates at up to $4,244 a year.

Annual premium for full coverage: $1,162

Rate estimates 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

Price Range by Location

Your location can have significant affects on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than larger metro areas. The graphic below illustrates how where you live affects car insurance rates.

These differences demonstrate why all drivers should compare rates based on a specific location and risk profile, instead of using price averages.

Use the form below to get rates for your location.

Car insurance rates for a Mazda MX-5 Miata Sport 2-Dr Convertible can also vary considerably based on your driver profile, the actual cash value of your MX-5 Miata, and policy deductibles and limits.

More mature drivers with no driving violations and high deductibles may pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged upwards of $4,200 a year. View Rates by Age

Where you live makes a big difference in Mazda MX-5 Miata Sport 2-Dr Convertible insurance prices. A 40-year-old driver could pay as low as $970 a year in states like Indiana, Ohio, and Vermont, or as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $480 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $279 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,400 to $1,900 extra per year, depending on your age. Insurance for high-risk drivers can cost as much as 45% to 135% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out exactly what you will pay is to do a rate comparison and see which company has the best rate. Every company uses a different rate calculation, so rate quotes can be significantly different from one company to the next.

View Chart as Image

The chart above shows Mazda MX-5 Miata Sport 2-Dr Convertible insurance rates for various risk profiles and scenarios. The best rate after discounts is $674. Drivers who choose higher $1,000 deductibles will pay around $1,000. The average rate for a 40-year-old male driver using $500 deductibles is $1,162. Using lower $100 deductibles for comp and collision coverage can cost as much as $1,476. High risk drivers could be charged as much as $2,488. The policy rate for full coverage insurance for a teen driver is $4,244.

View Chart as Image