The Mazda Miata is a lightweight two-seater sports car that first debuted in the U.S. in 1989. The 2026 Mazda MX-5 Miata has been fully upgraded with the latest technology and driver-assist features. No matter what kind of Miata you drive, it needs to be protected with the right car insurance.
When it's time to find the best Mazda Miata insurance, an independent insurance agent can assist you. These agents know where to get the right Mazda insurance at a great rate. But first, here's a behind-the-scenes look at how much it costs to insure a Mazda Miata by model year and top-rated insurance company in 2026.
Key Takeaways - Mazda Miata Car Insurance
Mazda MX-5 Miata insurance costs an average of $1,738 per year, or approximately $145 per month, for full coverage in 2026.
Mazda MX-5 Miata insurance costs vary widely by state, with good drivers in Hawaii paying an average of only $668 annually for full coverage, while those in Michigan pay $2,888.
Your age, location, credit, and driving history are all major factors that can influence the cost of Mazda Miata insurance.
Erie, Progressive, and Nationwide are the cheapest carriers for model-year 2025 Mazda MX-5 Miata insurance this year.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Mazda Miata model.
What Is Mazda Miata Insurance?
Mazda Miata insurance is a specialized car insurance policy that offers customized coverage for your specific vehicle. As a sports car, the Miata may require additional coverage beyond that needed by standard sedans. However, the Miata's average car insurance rates trend cheaper than those for similar vehicles in its class.
Recommended coverage options for Mazda Miata drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
Add-on coverage options worth considering for a Mazda Miata:
- Mazda warranty insurance: This can extend Mazda's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Mazda parts during the repair process.
- Gap insurance: If you have a new or financed Mazda vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
Working with a local independent insurance agent is a great way to ensure you get set up with all the required auto insurance for your Mazda Miata to satisfy your state's minimums.
How Much Does Mazda Miata Insurance Cost?
The average cost of car insurance for a Mazda MX-5 Miata is $1,738 per year, or approximately $145 per month, for full coverage. However, several factors can influence the cost of Mazda insurance, including:
- The specific type of Miata you drive
- Annual mileage
- Your location
- Your credit score (where allowed)
- The types and amount of coverage you need
- Your claims history
- Vehicle safety features
- Your driving history
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Mazda Miata full coverage insurance or a basic Mazda Miata liability insurance policy.
Is the Mazda Miata Expensive to Insure?
No, the Mazda Miata isn't expensive to insure compared to other Mazda vehicles and other cars in general. The table below compares the Mazda MX-5 Miata's average monthly insurance rate with those of other Mazdas and other vehicles.
| Vehicle | Average Monthly Cost of Full Coverage |
| Mazda MX-5 Miata | $145 |
| All Mazdas | $160 |
| All Cars | $175 |
Mazda MX-5 Miata Insurance Costs by Model Year
Next, we'll break down several model years of the Mazda Miata MX-5 and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2026 Mazda MX-5 Miata* | $2,225 |
| 2025 Mazda MX-5 Miata | $2,094 |
| 2023 Mazda MX-5 Miata | $1,990 |
| 2022 Mazda MX-5 Miata | $1,660 |
| 2021 Mazda MX-5 Miata | $1,019 |
| 2020 Mazda MX-5 Miata | $1,040 |
| 2019 Mazda MX-5 Miata | $979 |
| 2018 Mazda MX-5 Miata | $851 |
| 2017 Mazda MX-5 Miata | $906 |
| 2016 Mazda MX-5 Miata | $757 |
| 2015 Mazda MX-5 Miata | $719 |
| 2014 Mazda MX-5 Miata | $879 |
| 2013 Mazda MX-5 Miata | $990 |
| 2012 Mazda MX-5 Miata | $802 |
| 2011 Mazda MX-5 Miata | $1,271 |
| 2010 Mazda MX-5 Miata | $913 |
*Note: The 2026 MX-5 Miata's rates are a projection based on the evaluation of inflation trends and current market data.
Cheapest Mazda MX-5 Miata Car Insurance Companies for 2026
You can buy affordable Mazda Miata insurance from many different carriers across the U.S. These top-rated Mazda car insurance companies provide the cheapest model-year 2025 MX-5 Miata insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Erie | $1,429 |
| Progressive | $1,581 |
| Nationwide | $1,646 |
| American Family | $1,721 |
| USAA | $1,982 |
| Allstate | $3,743 |
Mazda MX-5 Miata Car Insurance Rates by State and Driver Profile
Your location, driving history, and credit history can all play major roles in determining car insurance premiums. Here are some average auto insurance rates for the Mazda MX-5 Miata by state and driver profile for 2026.
| State | Clean Record | Accident on Record | Poor Credit |
| Alabama | $1,523 | $2,235 | $2,827 |
| Alaska | $1,245 | $1,750 | $1,700 |
| Arizona | $1,445 | $2,082 | $3,049 |
| Arkansas | $1,569 | $2,440 | $2,711 |
| California | $1,748 | $3,067 | $1,729 |
| Colorado | $1,626 | $2,260 | $2,885 |
| Connecticut | $2,099 | $3,241 | $4,108 |
| Delaware | $1,719 | $2,292 | $2,948 |
| Florida | $2,069 | $2,841 | $3,674 |
| Georgia | $1,652 | $2,500 | $2,530 |
| Hawaii | $668 | $900 | $668 |
| Idaho | $1,173 | $1,554 | $1,882 |
| Illinois | $1,215 | $1,821 | $2,073 |
| Indiana | $1,233 | $1,893 | $2,131 |
| Iowa | $972 | $1,374 | $1,593 |
| Kansas | $1,294 | $1,896 | $2,215 |
| Kentucky | $1,912 | $2,775 | $3,306 |
| Louisiana | $2,454 | $3,692 | $4,001 |
| Maine | $927 | $1,290 | $1,877 |
| Maryland | $1,512 | $2,187 | $2,422 |
| Massachusetts | $1,204 | $2,071 | $1,184 |
| Michigan | $2,888 | $4,380 | $6,936 |
| Minnesota | $1,208 | $1,601 | $2,227 |
| Mississippi | $1,440 | $2,032 | $2,053 |
| Missouri | $1,342 | $1,946 | $2,527 |
| Montana | $1,394 | $1,921 | $2,226 |
| Nebraska | $1,160 | $1,722 | $1,884 |
| Nevada | $1,931 | $2,823 | $2,981 |
| New Hampshire | $1,313 | $2,124 | $2,652 |
| New Jersey | $1,452 | $2,313 | $3,023 |
| New Mexico | $1,497 | $2,223 | $2,313 |
| New York | $1,409 | $1,750 | $2,940 |
| North Carolina | $863 | $1,479 | $1,069 |
| North Dakota | $1,181 | $1,785 | $2,119 |
| Ohio | $1,056 | $1,628 | $1,681 |
| Oklahoma | $1,688 | $2,413 | $2,711 |
| Oregon | $1,506 | $2,036 | $2,436 |
| Pennsylvania | $1,265 | $1,899 | $2,217 |
| Rhode Island | $2,154 | $3,129 | $3,557 |
| South Carolina | $1,443 | $2,037 | $2,784 |
| South Dakota | $1,299 | $1,896 | $2,181 |
| Tennessee | $1,548 | $2,272 | $3,002 |
| Texas | $1,555 | $2,240 | $2,799 |
| Utah | $1,303 | $1,838 | $2,539 |
| Vermont | $998 | $1,566 | $1,662 |
| Virginia | $968 | $1,466 | $1,444 |
| Washington | $1,277 | $1,706 | $2,067 |
| West Virginia | $1,253 | $1,837 | $2,303 |
| Wisconsin | $1,286 | $1,984 | $2,268 |
| Wyoming | $1,185 | $1,679 | $1,754 |
Average Mazda MX-5 Miata Insurance Rates by Driver Age and Profile
Your age also has a major impact on the cost of car insurance. Young drivers, especially teens, pay the most by far for Mazda Miata insurance. Auto insurance rates tend to decline considerably starting around age 25.
However, once a driver reaches about age 65, auto insurance rates begin to climb through their senior years. Here are some average Mazda Miata MX-5 insurance rates by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $4,565 | $6,680 | $7,823 |
| 20 | $3,516 | $5,154 | $6,004 |
| 25 | $2,065 | $3,028 | $3,530 |
| 30 | $1,582 | $2,340 | $2,733 |
| 35 | $1,490 | $2,181 | $2,589 |
| 40 | $1,426 | $2,101 | $2,486 |
| 45 | $1,395 | $2,078 | $2,390 |
| 55 | $1,289 | $1,872 | $2,198 |
| 65 | $1,356 | $1,952 | $2,302 |
| 75 | $1,706 | $2,504 | $2,891 |
Best Mazda Miata Insurance Discounts: How to Lower Your Mazda Miata Insurance Premiums
You can potentially reduce the cost of your Mazda Miata insurance when you follow any of these easy strategies:
- Compare quotes from multiple carriers: Comparing Mazda Miata insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Mazda Miata insurance from a trusted carrier near you.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about Mazda Miata insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or Mazda may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
Local independent insurance agents know which carriers sell the cheapest, yet quality Mazda Miata insurance. They can help you save the most money possible on your Miata car insurance policy.
An Independent Insurance Agent Can Help You Get the Best Mazda Miata Insurance Quotes
When it's time to find the most affordable Mazda Miata insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Mazda Miata insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Mazda Miata Insurance
How much does Mazda Miata insurance cost per year?
The average annual cost of full coverage for a Mazda MX-5 Miata is $1,738 per year, or approximately $145 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Mazda Miata insurance premiums?
Filing insurance claims, living in a high-theft rate area, having poor credit, and having traffic violations and accidents on your record can all increase the cost of Mazda Miata insurance.
Is the Mazda Miata expensive to insure?
No, the Mazda Miata isn't expensive to insure on average. A six-month full coverage policy for an MX-5 Miata is only $869.
What are the best and cheapest carriers for Mazda MX-5 Miata insurance in 2026?
We found that Erie, Progressive, and Nationwide are the best and cheapest car insurance companies for model-year 2025 Mazda MX-5 Miata insurance this year.
Is insurance cheaper for the Mazda Miata than for other Mazda vehicles?
Yes, the Mazda MX-5 Miata's average monthly insurance rate of $145 is significantly lower than the $160 average for other Mazda vehicles.
How can I get cheaper Mazda Miata insurance?
Finding cheaper Mazda Miata insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.thezebra.com/auto-insurance/vehicles/mazda/mx-5-miata/
https://www.insuranceopedia.com/auto-insurance/mazda-mx-5-miata-car-insurance