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Register & Login to Add More Videos & Improve This Vehicle Profile - 100% FreeI'm paying $632/yr for full coverage on my '97 NA here in Michigan - nearly 5 times that of cduplain in our neighboring state. I had full coverage because my OTM was totaled in April, and it wasn't much more to add collision & comp to this car in case anything happened to it. My '16 Focus costs $1232/yr. And I'm guessing I'm the OP's parents' age.
However the biggest part of the premium on each vehicle (or each of my vehicles, anyway) is Personal Injury Protection, or PIP. It is state-mandated here in Michigan and is meant to provide for payment of medical and/or work loss benefits if you are injured in an auto accident, for life, with no maximum cap. It makes up over half of the total premium on each vehicle, regardless of what car you drive (new or old), regardless of how it's driven (pleasure or commute), and regardless of how it's covered (PLPD or full coverage). We therefore enjoy among the highest, if not THE highest, auto insurance premiums in at least the continental US.
The average driver should plan on paying around $1,630 yearly to insure a Miata, which equates to around $136 a month. Collision coverage costs approximately $714 a year, liability and medical payments insurance is around $484, and the remaining comprehensive will cost around $432.
The chart below details how MX-5 Miata insurance cost varies with differences in driver age and a range of policy deductibles.
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GOChart Data Details: Chart shows average insurance cost for a 2023 Mazda MX-5 Miata with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Mazda MX-5 Miata trim levels.Data last updated on December 30, 2022
Mazda MX-5 Miata Insurance Cost by Driver Age and DeductiblesDriver AgeDeductibleAnnual CostMonthly Cost20$1,000$2,710$226$500$3,212$268$250$3,744$31230$1,000$1,436$120$500$1,722$144$250$2,018$16840$1,000$1,370$114$500$1,630$136$250$1,900$15850$1,000$1,250$104$500$1,484$124$250$1,728$14460$1,000$1,226$102$500$1,454$121$250$1,696$141
What is the cheapest Mazda Miata insurance?
With Mazda MX-5 Miata insurance cost ranging from $1,528 to $1,718 annually for the average driver, the cheapest model to insure is the Sport Convertible. The next cheapest trim level to insure is the Club Convertible at $1,604 per year. Expect to pay a minimum $127 per month for a policy with full coverage.
At the high end of insurance cost, the three highest cost models to insure are the Mazda Grand Touring Convertible, the RF Grand Touring Convertible, and the RF Club Convertible trim levels at $1,630, $1,672, and $1,718 per year, respectively.
Average annual and semi-annual Miata insurance rates are shown in the table below, plus a monthly budget estimate, for each 2023 model year trim level.
2023 Mazda MX-5 Miata Insurance Cost by Trim LevelMazda MX-5 Miata Trim LevelAnnual Policy6-month PolicyPer MonthSport Convertible$1,528$764$127Club Convertible$1,604$802$134Grand Touring Convertible$1,630$815$136RF Grand Touring Convertible$1,672$836$139RF Club Convertible$1,718$859$143
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GOTable Data Details: Average rates are for a 2023 Mazda MX-5 Miata, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 30, 2022
How does Mazda Miata car insurance cost rank?
The Mazda MX-5 Miata ranks first out of 26 comparison vehicles in the 2023 sports car segment. The MX-5 Miata costs an average of $1,630 per year to insure and the category average cost is $2,412 annually, a difference of $782 per year.
When compared to other sports cars, insurance for a Mazda Miata costs $284 less per year than the Ford Mustang, $1,030 less than the Dodge Challenger, $680 less than the Chevrolet Camaro, and $318 less than the Subaru WRX.
The chart below shows how 2023 Miata car insurance rates compare to the most popular sports cars in America. In addition to the chart, a more complete table is added after the chart breaking down insurance rankings for all 26 models in the sports car class.
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GOChart Data Details: Average rates are for a 2023 model year Mazda MX-5 Miata, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Mazda MX-5 Miata trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 29, 2022
Mazda MX-5 Miata Insurance Cost Compared to All Sports CarsRankMake/ModelInsurance CostDifference1Mazda MX-5 Miata$1,630--2Audi TT$1,828$1983Ford Mustang$1,914$2844BMW Z4$1,928$2985Subaru WRX$1,948$3186Nissan Z$1,978$3487Toyota GR Supra$2,010$3808Toyota GR86$2,034$4049BMW M2$2,036$40610Subaru BRZ$2,128$49811Chevrolet Corvette$2,176$54612BMW M3$2,224$59413Lexus RC F$2,270$64014Porsche 718$2,272$64215Chevrolet Camaro$2,310$68016Mercedes-Benz AMG GT53$2,448$81817Jaguar F-Type$2,534$90418Porsche Taycan$2,590$96019BMW M4$2,622$99220Lexus LC 500$2,652$1,02221Dodge Challenger$2,660$1,03022Porsche 911$2,890$1,26023Acura NSX$3,268$1,63824Audi R8$3,378$1,74825Mercedes-Benz SL 55$3,382$1,75226Mercedes-Benz SL 63$3,600$1,970
What does insurance cost on a used Miata?
Opting for a 2013 Mazda Miata in place of a more expensive 2023 model year could save as much as $742 annually on your insurance bill. Even a 2019 model could save the average driver as much as $378 each year.
The following data table shows average Mazda Miata car insurance rates for a range of driver age groups from 2013 through 2023. Yearly insurance cost ranges from the cheapest rate of $796 for a 60-year-old driver rated on a 2013 Mazda MX-5 Miata to the highest rate of $3,212 for a 20-year-old driving a 2023 model.
Mazda MX-5 Miata Insurance Cost by Model YearModel Year and VehicleDriver Age 20Driver Age 40Driver Age 602023 Mazda MX-5 Miata$3,212$1,630$1,4542022 Mazda MX-5 Miata$2,806$1,432$1,2782021 Mazda MX-5 Miata$2,752$1,402$1,2522020 Mazda MX-5 Miata$2,712$1,380$1,2322019 Mazda MX-5 Miata$2,462$1,252$1,1182018 Mazda MX-5 Miata$2,352$1,194$1,0702017 Mazda MX-5 Miata$2,294$1,168$1,0442016 Mazda MX-5 Miata$2,330$1,180$1,0562015 Mazda MX-5 Miata$1,672$870$7742014 Mazda MX-5 Miata$2,036$1,030$9262013 Mazda MX-5 Miata$1,742$888$796
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GOTable Data Details: Average rates for each driver age group are for a 12-month period and assume a clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 30, 2022
Mazda MX-5 Miata Insurance Cost for Teen Drivers
Teenagers are the most expensive age group for car insurance, and the Mazda Miata is no exception. The chart below shows average rates for both male and female teen drivers aged 16 to 19 when rated on a 2023 Mazda Miata.
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GOChart Data Details: Teenage driver rates are for a 2023 model year Mazda MX-5 Miata with $500 physical damage deductibles. Rates are averaged across all U.S. states and all Mazda MX-5 Miata trim levels.Data last updated on December 30, 2022
Mazda MX-5 Miata Insurance Cost for Teenage DriversTeen Driver GenderAge 16Age 17Age 18Age 19Male$5,720$5,358$5,012$4,546Female$5,034$4,756$4,348$4,038
Average rates for full coverage Miata car insurance range from $4,038 for a 19-year-old female driver up to $5,720 for a 16-year-old male driver.
Miata insurance for an 18-year-old driver costs $5,012 for male drivers and $4,348 for female drivers, while the cost for 17-year-olds is $5,358 for males and $4,756 for females.