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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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Mile Auto delivers the cheapest rates for Miata drivers, with average premiums of just $70 per month, according to Compare.com data. When comparing auto insurance, you’ll find this price point offers significant savings compared to the typical $97 for liability-only and $179 for full coverage that insurers charge on average.
While generally considered a sports car, the Miata’s relatively tame sub-200 horsepower[1] and widespread parts availability signal “low risk” to insurance companies, making your driving passion surprisingly affordable to protect.
In this article, we’ll cover everything you need to know about insuring your MX-5, including average rates, ways to save, and a few of the best insurance companies for Miatas.
Mile Auto is the lowest-cost insurance option for MX-5 coverage, at $70 per month.
Many Miatas spend weekdays parked, making usage-based insurance programs worth exploring since they reward low-mileage driving patterns.
Insurance companies classify the MX-5 as a sports car, but its moderate power output helps avoid the price penalties that hit high-performance vehicles.
The coverage you choose helps shape your Miata’s insurance costs. Liability policies cover damage you cause to others, while full coverage adds comprehensive and collision coverage for your vehicle. Because MX-5s are usually weekend cars with limited miles, they often benefit from lower insurance premiums and multi-car discounts.
The table below shows how Miata auto insurance rates stack up against the broader market, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Mazda MX-5 Miata | $97 | $179 | $138 |
| All vehicles | $108 | $193 | $150 |
Expect to pay around $97 per month for basic liability coverage on your MX-5, while full coverage averages $179 per month, according to our data. These figures shift based on factors like your ZIP code, driving behavior, age, and more.
Compare personalized quotes and save hundreds on your next policy.
Miata insurance averages look reasonable, but the real savings come from shopping around to find the best insurance company for you. Since many MX-5s aren’t daily drivers, usage-based insurance programs can unlock insurance savings for owners with low annual mileage.
Take a peek at the top contenders for cheap Miata car insurance, according to our research.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $70 |
| Clearcover | $78 |
| Safeco | $79 |
| Mercury | $98 |
| Elephant | $103 |
Mile Auto has the lowest average rate for Miata owners, at just $70 per month. But remember that this is just the average. Your personal rate might tell a different story, which is why using an insurance-comparison site is your strongest move.
Next, let’s review how different demographics can influence price.
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Picking the “best” insurance company for your Mazda Miata isn’t a one-size-fits-all decision. What fits your fellow Miata enthusiast might leave you paying more than necessary.
We’ve selected the following companies based on a combination of competitive MX-5 rates, discount availability, customer satisfaction scores, and coverage options. Each has strengths in different areas, so your ideal choice depends on what matters most to your driving lifestyle.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $109/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm brings old-school reliability to Miata ownership. The company’s large local agent network gives you face-to-face service when insurance gets complicated.
Plus, State Farm’s travel expense coverage can be particularly valuable if you attend car shows or take weekend road trips — you’ll get help with lodging and meals if your car breaks down far from home.
Strong financial ratings
Covers your costs if accidents leave you far from home
Huge network of local agents
Doesn’t offer coverage to pay off the loan for a totaled car
Customer satisfaction varies
Coverage isn’t nationwide
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.4 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $64/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $98/mo |
Mile Auto makes perfect sense for Mazda Miata owners who garage their cars during the week and unleash them on weekends. The pay-per-mile model means you pay only for the miles you actually drive.
Plus, Mile Auto doesn’t use tracking devices. Instead, you photograph your odometer each month, making it one of the least intrusive usage-based programs available.
Pay based on how much you drive
No invasive tracking technology
Big savings for low-mileage drivers
Only available in a few states
Costs can jump if you drive more than usual
Few options to customize coverage
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $100/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $131/mo |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
GEICO offers an impressive number of discounts that can add up to big savings for Miata owners. You’ll find discounts for everything from safe driving to military service to getting good grades.
You can get online quotes quickly, too. And GEICO’s mobile app makes it easy to handle insurance policy changes and file claims 24 hours a day, seven days a week.
Many available discounts across multiple categories
User-friendly digital tools and mobile app
Competitive rates nationwide
Below-average customer claims satisfaction
Limited local agents for support
Some insurance coverages aren’t available
Comparing quotes is the only way to find the best fit for your pride and joy.
Your Miata’s age has a subtle influence on how much you pay for car insurance. Newer vehicle models are worth more. That means insurers face bigger potential payouts if something goes wrong, and insurers pass those costs along to you. Generally, you’ll spend more protecting a shiny new 35th Anniversary Edition than keeping a well-loved NB Miata on the road.
Here’s how premiums change across different Mazda MX-5 generations, based on Compare.com data.
MX-5 Model Year | Average Monthly Premium |
|---|---|
| 2025 | $266 |
| 2024 | $236 |
| 2023 | $212 |
| 2022 | $186 |
| 2021 | $141 |
| 2020 | $156 |
| 2019 | $150 |
| 2018 | $156 |
| 2017 | $165 |
| 2016 | $148 |
| 2015 | $158 |
| 2014 | $115 |
| 2013 | $134 |
| 2012 | $154 |
Your location also shapes these costs significantly, so we’ll take a closer look at how different states treat Miata insurance.
Your location carries serious weight when insurers calculate your Miata premiums, thanks to factors like local crime rates, weather patterns, and state laws. States with higher accident rates, more vehicle theft, or stricter state laws typically see steeper car insurance costs.
Take a look at how Miata insurance premiums vary across the country, according to our data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $81 |
| Arizona | $109 |
| Arkansas | $156 |
| California | $156 |
| Colorado | $127 |
| Connecticut | $247 |
| Delaware | $151 |
| Florida | $159 |
| Georgia | $161 |
| Idaho | $82 |
| Illinois | $101 |
| Indiana | $87 |
| Iowa | $74 |
| Kansas | $100 |
| Kentucky | $159 |
| Louisiana | $147 |
| Maine | $96 |
| Maryland | $224 |
| Massachusetts | $122 |
| Michigan | $190 |
| Minnesota | $122 |
| Mississippi | $122 |
| Missouri | $119 |
| Montana | $99 |
| Nebraska | $114 |
| Nevada | $194 |
| New Hampshire | $75 |
| New Jersey | $129 |
| New Mexico | $94 |
| New York | $313 |
| North Carolina | $61 |
| North Dakota | $94 |
| Ohio | $83 |
| Oklahoma | $105 |
| Oregon | $104 |
| Pennsylvania | $106 |
| Rhode Island | $93 |
| South Carolina | $178 |
| South Dakota | $79 |
| Tennessee | $92 |
| Texas | $144 |
| Utah | $118 |
| Vermont | $88 |
| Virginia | $117 |
| Washington | $91 |
| District of Columbia | $185 |
| West Virginia | $94 |
| Wisconsin | $83 |
| Wyoming | $79 |
Besides driving history, age is one of the most powerful factors insurance companies use to set your auto insurance rates. The data backs up this approach: Young drivers face triple the fatal crash risk compared to drivers aged 20 and up, according to the Insurance Institute for Highway Safety (IIHS).[2]
Check out how car insurance costs for the MX-5 vary by age, according to our analysis.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $259 |
| Adults | $126 |
| Seniors | $106 |
Teen drivers pay more than double what adults spend, while seniors tend to score the best deal. Those steep teen premiums drop significantly once you hit your 20s and gain more driving experience.
Your driving history helps insurance companies predict how likely you are to file claims in the future. A clean record signals lower risk, while violations mark you as someone more likely to cost the insurer money down the road.
Take a look at how your driving record shapes your monthly MX-5 premiums, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $138 |
| Speeding ticket | $191 |
| At-fault accident | $199 |
| DUI | $227 |
A basic speeding ticket pushes your costs up from $138 to $191 per month. The financial pain gets worse with a more serious incident. For instance, a DUI nearly doubles your premiums to $227.
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Your Miata’s specific features create a tug-of-war in insurance pricing. Some equipment helps lower your rates, while other characteristics work against you. Here are a few MX-5 features that sway your auto insurance costs:
Safety features: Different trim levels have different safety features, earning you discounts on coverage.
Alarm system: Built-in alarms make your Miata harder to vandalize and steal, which can trim your quote.
Convertible soft top: The fabric roof could make theft easier and weather damage more likely, potentially increasing comprehensive coverage costs.
Manual transmission: Some insurers have lower prices for stick shifts since a manual transmission can stop some thieves.[3]
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Cheaper insurance for your MX-5 doesn’t require sacrificing coverage, just smart shopping and leveraging your Miata’s unique characteristics as a weekend warrior.
Here are a few ways to save on your monthly insurance bill.
Consider mileage-based insurance programs: Since Miatas are often occasional-use cars, usage-based coverage can be cheaper for owners who drive less.
Bundle your policies: Combine your Miata coverage with your homeowners or renters insurance for a bundling discount to reduce your overall premiums.
Emphasize safety features: Make sure your insurer knows about your Miata’s advanced safety systems, which often qualify for discounts.
Shop around regularly: Compare quotes at least once per year since rates change frequently.
Get quotes from dozens of top insurance companies in minutes.
Here are answers to the most common questions Miata owners ask about insurance coverage and costs.
Not really. Mazda Miata insurance is moderately priced, with quotes averaging $138 per month, according to Compare.com data. This premium for the MX-5 sits just below the average cost of insurance for all vehicles.
Mile Auto offers the lowest average rates for MX-5 Miata insurance, at just $70 per month, according to Compare.com data. That said, the cheapest option for you comes down to your specific profile, so comparing quotes from multiple companies is essential.
Yes. Most insurers classify the MX-5 as a sports car. But the Miata has relatively low horsepower compared to other sports cars, which helps keep auto insurance costs more reasonable.
You’ll pay around $266 per month to insure a 2025 Mazda MX-5, according to Compare.com data. The newest models cost more to insure since they’re worth more, and insurers face bigger payouts due to higher replacement and repair costs.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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