Mazda MX-5 Miata Insurance Cost
Full coverage for a Mazda MX-5 Miata costs about $1,280 a year ($106/month) by our estimate — ▼ −19% versus the average vehicle, ranking 20th cheapest of 310 current models.
Mazda MX-5 Miata insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2005–2026 model years of the Mazda MX-5 Miata.
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $485 | $40 | $400–$570 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $705 | $59 | $575–$830 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,280 | $106 | $1,050–$1,510 |
What drives the cost of insuring a Mazda MX-5 Miata
The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Mazda MX-5 Miata's results put our vehicle factor at 0.79× for liability, 0.91× for collision and 0.76× for comprehensive.
| Coverage | Index | Rating | What it measures |
|---|---|---|---|
| Collision | 83 | Better than average | Damage to this car in crashes; driven by repair costs and crash frequency |
| Comprehensive | 69 | Much better than average | Theft, vandalism, glass, weather and animal damage |
| Property damage liability | 51 | Much better than average | Damage this car does to other vehicles and property |
| Bodily injury liability | 63 | Much better than average | Injuries to people in other vehicles (claim frequency) |
| Personal injury protection | 84 | Better than average | Injuries to occupants of this car (claim frequency) |
| Medical payments | 72 | Much better than average | Injuries to occupants of this car (claim frequency) |
- Repair and parts costs: Sports car — performance models see more frequent and costlier crashes.
- Recalls & complaints: 1 NHTSA recall campaigns and 9 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
Mazda MX-5 Miata trims and configurations (2026)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPG (comb.) |
|---|---|---|---|
| MX-5 | RWD | 2.0L 4-cyl | 29 |
Mazda MX-5 Miata insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPG | Est. full / yr |
|---|---|---|---|---|
| 2026 | 2.0L 4-cyl | RWD | 29 | $1,280 |
| 2025 | 2.0L 4-cyl | RWD | 29 | $1,250 |
| 2024 | 2.0L 4-cyl | RWD | 29 | $1,225 |
| 2023 | 2.0L 4-cyl | RWD | 29–30 | $1,195 |
| 2022 | 2.0L 4-cyl | RWD | 29–30 | $1,170 |
| 2021 | 2.0L 4-cyl | RWD | 29–30 | $1,145 |
| 2020 | 2.0L 4-cyl | RWD | 29–30 | $1,115 |
| 2019 | 2.0L 4-cyl | RWD | 29–30 | $1,090 |
| 2018 | 2.0L 4-cyl | RWD | 29 | $1,060 |
| 2017 | 2.0L 4-cyl | RWD | 29 | $1,035 |
| 2016 | 2.0L 4-cyl | RWD | 30 | $1,005 |
| 2015 | 2.0L 4-cyl | RWD | 23–24 | $1,005 |
| 2014 | 2.0L 4-cyl | RWD | 23–24 | $1,005 |
| 2013 | 2.0L 4-cyl | RWD | 23–24 | $1,005 |
| 2012 | 2.0L 4-cyl | RWD | 23–24 | $1,005 |
| 2011 | 2.0L 4-cyl | RWD | 23–24 | $1,005 |
| 2010 | 2.0L 4-cyl | RWD | 23–24 | $1,005 |
| 2009 | 2.0L 4-cyl | RWD | 23–24 | $1,005 |
| 2008 | 2.0L 4-cyl | RWD | 23–24 | $1,005 |
| 2007 | 2.0L 4-cyl | RWD | 23–24 | $1,005 |
Mazda MX-5 Miata insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the MX-5 Miata page for that state.
Mazda MX-5 Miata insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,335 | $1,935 | $3,515 | $293 |
| Young adult (22) | $775 | $1,125 | $2,045 | $170 |
| Adult in their 30s | $485 | $705 | $1,280 | $107 |
| Adult in their 50s | $445 | $645 | $1,175 | $98 |
| Senior (72) | $545 | $790 | $1,430 | $119 |
| 30s, one at-fault accident | $705 | $1,020 | $1,855 | $155 |
| 30s, DUI on record | $895 | $1,300 | $2,365 | $197 |
Mazda MX-5 Miata vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| Mazda MX-5 Miata | $1,280 | 83 | 69 | — |
| Dodge Challenger | $1,705 | — | — | Compare |
| Chevrolet Corvette | $1,520 | 127 | 98 | Compare |
| Nissan GT-R | $1,775 | — | — | Compare |
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Frequently asked questions
How much is insurance for a Mazda MX-5 Miata?
We estimate about $1,280 a year ($106 a month) for full coverage and $485 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 19% less than the average vehicle.
Is the Mazda MX-5 Miata expensive to insure?
HLDI insurance-loss data rates it at 83 for collision and 69 for comprehensive losses (100 = average of all vehicles), meaning collision losses are better than average.
Which state is cheapest to insure a Mazda MX-5 Miata?
Maine has the lowest estimate (about $815 a year for full coverage) and Florida the highest (about $1,810).
Is the Mazda MX-5 Miata cheaper to insure than the Dodge Challenger?
By our estimate the Mazda MX-5 Miata costs about $1,280 a year versus $1,865 for the Dodge Challenger, making it the cheaper of the two to insure.
How much is Mazda MX-5 Miata insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $3,515 a year at national-average rates by our estimate.
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.