Mazda MX-5 Miata vs Mitsubishi Eclipse Insurance Cost

The Mazda MX-5 Miata is cheaper to insure by about $165 a year for full coverage by our estimate ($1,280 vs. $1,445), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Mazda MX-5 Miata	Mitsubishi Eclipse	Difference
State minimum	$485	$690	−$205
Standard (100/300/100)	$705	$995	−$290
Full coverage	$1,280	$1,445	−$165

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = MX-5 Miata minus Eclipse.

Why one costs more to insure

Factor	Mazda MX-5 Miata	Mitsubishi Eclipse
Segment	Sports car	Sports car
Powertrains	Gasoline	Gasoline
HLDI collision (100 = avg)	83	—
HLDI comprehensive	69	—
HLDI property damage liability	51	—
HLDI bodily injury liability	63	—
NHTSA overall rating	—	—
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	1	—

MX-5 Miata vs Eclipse insurance by state

State	MX-5 Miata	Eclipse	Difference
Alabama	$1,115	$1,225	−$110
Alaska	$1,125	$1,255	−$130
Arizona	$1,335	$1,525	−$190
Arkansas	$1,130	$1,210	−$80
California	$1,265	$1,390	−$125
Colorado	$1,440	$1,605	−$165
Connecticut	$1,355	$1,580	−$225
Delaware	$1,420	$1,695	−$275
District of Columbia	$1,615	$1,805	−$190
Florida	$1,810	$2,200	−$390
Georgia	$1,575	$1,865	−$290
Hawaii	$890	$975	−$85
Idaho	$870	$970	−$100
Illinois	$1,110	$1,230	−$120
Indiana	$910	$1,005	−$95
Iowa	$865	$915	−$50
Kansas	$1,015	$1,090	−$75
Kentucky	$1,070	$1,225	−$155
Louisiana	$1,760	$2,020	−$260
Maine	$815	$895	−$80
Maryland	$1,435	$1,650	−$215
Massachusetts	$1,260	$1,420	−$160
Michigan	$1,395	$1,555	−$160
Minnesota	$1,065	$1,160	−$95
Mississippi	$1,220	$1,340	−$120
Missouri	$1,155	$1,280	−$125
Montana	$1,015	$1,080	−$65
Nebraska	$1,020	$1,095	−$75
Nevada	$1,460	$1,770	−$310
New Hampshire	$915	$1,010	−$95
New Jersey	$1,535	$1,825	−$290
New Mexico	$1,145	$1,275	−$130
New York	$1,710	$2,015	−$305
North Carolina	$960	$1,025	−$65
North Dakota	$820	$845	−$25
Ohio	$915	$1,010	−$95
Oklahoma	$1,150	$1,245	−$95
Oregon	$1,140	$1,350	−$210
Pennsylvania	$1,120	$1,220	−$100
Rhode Island	$1,540	$1,805	−$265
South Carolina	$1,355	$1,595	−$240
South Dakota	$970	$990	−$20
Tennessee	$1,065	$1,165	−$100
Texas	$1,510	$1,665	−$155
Utah	$1,155	$1,355	−$200
Vermont	$835	$885	−$50
Virginia	$1,100	$1,240	−$140
Washington	$1,110	$1,300	−$190
West Virginia	$1,065	$1,155	−$90
Wisconsin	$870	$955	−$85
Wyoming	$995	$1,015	−$20

By driver profile (full coverage)

Driver	MX-5 Miata	Eclipse
Teen driver (18, own policy)	$3,515	$3,980
Young adult (22)	$2,045	$2,315
Adult in their 30s	$1,280	$1,445
Adult in their 50s	$1,175	$1,330
Senior (72)	$1,430	$1,620
30s, one at-fault accident	$1,855	$2,100
30s, DUI on record	$2,365	$2,675

More comparisons

Frequently asked questions

Is the Mazda MX-5 Miata or the Mitsubishi Eclipse cheaper to insure?

By our estimate the Mazda MX-5 Miata is cheaper, by about $165 a year for full coverage ($1,280 vs. $1,445) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Mazda MX-5 Miata and Mitsubishi Eclipse?

Mostly because of insurance-loss history: HLDI collision indices of 83 vs. n/a and comprehensive indices of 69 vs. n/a (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page