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

Average insurance rates for a Mazda MX-5 Miata Touring 2-Dr Convertible are $1,206 a year with full coverage. Comprehensive insurance costs approximately $284, collision insurance costs $476, and liability coverage costs $310. Liability-only coverage costs as little as $370 a year, and high-risk coverage costs $2,590 or more. Teenage drivers receive the highest rates at up to $4,390 a year.

Annual premium for full coverage: $1,206

Rate estimates by type of 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 differences demonstrate why everyone should compare rates using their specific location and risk profile, rather than using average rates.

Use the form below to get rates for your location.

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

A more mature driver with no driving violations and high deductibles may only pay around $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged in the ballpark of $4,300 a year. View Rates by Age

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

Using high physical damage deductibles could save up to $510 a year, whereas buying more liability protection will push rates upward. 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 anywhere from $1,400 to $1,900 extra per year, depending on your age. Mazda MX-5 Miata Touring 2-Dr Convertible insurance for high-risk drivers can cost around 43% to 130% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out which company is cheapest is to regularly compare rates and see how they stack up. Every company uses a different method to calculate rates, so rate quotes can be significantly different from one company to the next.

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The chart above shows Mazda MX-5 Miata Touring 2-Dr Convertible insurance rates for various risk profiles and scenarios. The cheapest rate with discounts is $697. Drivers who use higher $1,000 deductibles will pay around $1,034. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,206. Selecting more expensive $100 deductibles for comp and collision coverage can cost as much as $1,542. Drivers with multiple violations and accidents could be charged as much as $2,590. The rate for full coverage for a teenager is $4,390.

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