Mazda MX-5 Miata Car Insurance Cost 2024

Mazda MX-5 Miata Insurance Rates by Company

Comparing car insurance rates from different providers can lead to substantial savings for MX-5 Miata owners. Our evaluation of top insurance companies found that Erie has the most cost-effective rates for a MX-5 Miata. The next cheapest company was Nationwide.

Related: The best car insurance companies

Mazda MX-5 Miata Insurance Costs by State

Mazda MX-5 Miata car insurance quotes will vary across states, often due to the history of claims in the state, medical expenses, car repair costs and state regulations. If you’re insuring a MX-5 Miata, our assessment of rates found that Louisiana is the highest-cost, while Idaho is the cheapest.

Cost of Insurance for a Mazda MX-5 Miata Based on Driver Age

The cheapest age for insuring a Mazda MX-5 Miata is 60, according to a Forbes Advisor analysis of rates.

The most expensive age to insure a MX-5 Miata is age 20.

There are multiple factors that go into calculating your own car insurance quotes. These typically include your driving record, your garaging address (where you keep the car), annual mileage, your credit-based insurance score (people with lower credit pay more), your past auto insurance claims, the model of the car, any recent lapse in your vehicle insurance and the types and amount of coverage chosen.

Related: 9 Factors That Affect Your Car Insurance Rates

How to Save Money on Mazda MX-5 Miata Car Insurance

There are several ways you can lower car insurance costs, such as:

• Check out vehicle insurance quotes. Auto insurance companies have their own ways for pricing insurance for a Mazda MX-5 Miata. The best way to find a competitive cost is to compare car insurance quotes from several companies.
• Find the right amount of car insurance. While you want to make sure you have the right amount of coverage, you also don’t want to overpay for insurance you don’t need for a MX-5 Miata. Here’s a guide to determining how much car insurance you need.
• Maintain a good credit score. Insurers in most states can use your credit-based insurance score as a price factor. But not all insurers give credit the same weight in pricing, which is why it’s smart to get multiple quotes.
• Raise your car insurance deductible. Usually the higher the car insurance deductible, the less you pay in premiums. Typical deductible amounts range from $250 to $2,000 or more.

Methodology

Unless otherwise noted, rates are based on a 40-year-old female with a good driving record and insuring a new vehicle. Rates shown are for coverage of $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability (100/300/100), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other coverage required in a state. Source: Quadrant Information Services.

*USAA car insurance is available only to military members, veterans and their families.