Estimates, not quotes

Mazda MX-5 Miata Insurance Cost in Oklahoma

Insuring a Mazda MX-5 Miata in Oklahoma costs about $1,150 a year ($96/month) for full coverage by our estimate — −10% versus the same car nationally — the 22nd most expensive of 51 states for this model.

Mazda MX-5 Miata (photo from Wikimedia Commons)
Photo: Chris Woodrich, CC BY-SA 4.0
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

Mazda MX-5 Miata insurance in Oklahoma at a glance

Full coverage
$1,150
$945–$1,355
25/50/25 minimum
$375
$31/mo
Same car nationally
$1,280
full coverage
Avg. car in OK
$1,440
−20% for the MX-5 Miata

The Mazda MX-5 Miata is 20% cheaper than the average vehicle to insure in Oklahoma, reflecting HLDI collision losses of 83 and comprehensive losses of 69 (100 = average). Oklahoma's own base rates are 15% lower than the national average, which carries through to every model.

Oklahoma factors that affect MX-5 Miata premiums

  • Uninsured drivers: 12.0% of Oklahoma drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your MX-5 Miata.
  • Theft: 195 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Oklahoma's expected annual losses as relatively moderate for hail, relatively high for tornado, very low for hurricane, relatively moderate for inland (river) flooding, relatively high for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.39 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Oklahoma →

Mazda MX-5 Miata insurance cost in Oklahoma cities

CityFull coverageMinimumvs. state
Oklahoma City$1,235$400+7%
Tulsa$1,235$400+7%
Norman$1,205$390+5%
Broken Arrow$1,265$410+10%
Edmond$1,245$405+8%
Lawton$1,160$375+1%
Moore$1,300$425+13%
Midwest City$1,290$420+12%
Durant$1,135$370−1%

Mazda MX-5 Miata insurance in Oklahoma by driver

Estimated annual Mazda MX-5 Miata premium in Oklahoma
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,025 $1,485 $3,160 $263
Young adult (22) $595 $865 $1,840 $153
Adult in their 30s $375 $540 $1,150 $96
Adult in their 50s $345 $495 $1,060 $88
Senior (72) $415 $605 $1,290 $108
30s, one at-fault accident $540 $785 $1,665 $139
30s, DUI on record $690 $1,000 $2,125 $177

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $375 $31 $305–$440
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $540 $45 $445–$635
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,150 $96 $945–$1,355

Oklahoma minimum: 25/50/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Oklahoma

ModelFull coverage in OKvs. MX-5 Miata
Dodge Challenger$1,700+48%
Chevrolet Corvette$1,405+22%
Nissan GT-R$1,720+50%
Mitsubishi Eclipse$1,720+50%

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Mazda MX-5 Miata insurance cost in every state · All Mazda models

Frequently asked questions

How much is Mazda MX-5 Miata insurance in Oklahoma?

About $1,150 a year ($96 a month) for full coverage and $375 for Oklahoma's minimum liability, for a driver in their 30s with a clean record. That is 10% less than the national estimate for the same car.

Is the Mazda MX-5 Miata cheaper to insure than the average car in Oklahoma?

The average vehicle in Oklahoma is about $1,440 a year for full coverage in our model, so the Mazda MX-5 Miata is 20% cheaper than average.

Where in Oklahoma is Mazda MX-5 Miata insurance cheapest?

Among the largest Oklahoma cities, Durant has the lowest estimate (about $1,135) and Moore the highest (about $1,300).

What insurance do I need for a Mazda MX-5 Miata in Oklahoma?

Oklahoma requires at least 25/50/25 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

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