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How Much Does a Mazda Miata Insurance Cost?

Do you want to know how much Mazda Miata insurance cost? If so, you’re not alone. This article covers the basics of the Mazda Miata insurance policy, including its minimum coverage limits, age, gender, and engine size. It can also help you determine what coverage is best for your vehicle. To get started, request a quote online. You’ll be provided with quotes from several companies, so make sure to read the fine print and coverage recommendations carefully.

Minimum coverage limits

When you shop for car insurance, it’s important to choose minimum coverage limits. These coverage limits are designed to protect you in case of a collision, including a mailbox, pothole, or sideswiping another vehicle. Because collision coverage is required by law, it makes up a large part of your premium. However, increasing your deductible can lower this cost. To help you find an affordable insurance policy for your Mazda Miata, here are some guidelines to consider:

Insurers offer different levels of coverage, so you have to do a little comparison shopping. Full coverage costs $1,588 per year, while minimum coverage only costs $442. Keep in mind that these rates vary greatly based on your personal circumstances. The best way to find a policy that suits your needs is to shop around online. Mazda Miata insurance costs an average of $1,312 per year.

As an extra bonus, you can save money on your Mazda Miata insurance by lowering your deductible. You can also lower your premiums by modifying your car with some safety features. For example, installing a rear-view camera or lowering the speed limit can lower your monthly payment. Make sure you have adequate coverage limits so that you are protected in case of an accident. If you drive your Mazda Miata frequently, you may want to consider getting more insurance coverage limits than the minimums.


Cheap insurance for your Mazda Miata can be easily found online. One factor to consider is the age of the driver. If the driver is under the age of 18, he or she will most likely have a higher rate than an 18-year-old with a clean driving record. If the driver is younger than 18 and has no history of accidents, he or she can still find cheap insurance for a Mazda Miata.

You can find insurance quotes for your Mazda Miata by entering your ZIP code above. You’ll get many quotes and be able to compare them side-by-side. It will also tell you what type of coverage you’ll need. Many people choose to pay more than the legal limit, but you’ll probably be able to save money this way. If you have a low-risk driving record, you can even get a discount if you have multiple cars.

The cost of Mazda Miata insurance can vary greatly depending on a few factors. If you’re under the age of 18, a high-risk driver with a poor driving history can make the cost of insurance significantly higher. Additionally, the age of your Mazda Miata will also play a role in how much you pay for coverage. An older Mazda Miata will cost you more than a newer model. It’s best to check out the age of your Mazda Miata and find the right insurance company for you.


You can lower your Mazda Miata insurance costs by following traffic laws. In fact, traffic tickets can cost as much as $328 per year, and at-fault accidents can cost as much as $586 per year. Mazda Miata insurance rates for people age 30 to 50 tend to be cheaper. But if you don’t follow traffic laws, you may face an unexpected surprise. In such a case, it’s important to get regular car maintenance and repairs to maintain your Mazda’s value.

Gender and age are two major factors that influence car insurance costs. For example, a 20-year-old man pays $2,566 in insurance premiums compared to a 30-year-old woman. Women pay only $648 less than men do, so raising your deductible is an effective way to lower your premiums. You can also consider increasing your deductible to save even more money. An average 40-year-old driver can save up to $416 per year by raising their deductibles by $200.

For the most affordable car insurance rates, choose the Sport Convertible model. The lowest cost Mazda Miata model is $1,244 per year, while the most expensive one, the RF Grand Touring Convertible, costs $1,352 per year. Mazda Miata insurance ranks #1 out of 23 comparison cars in the 2022 sports car class for insurance affordability. Getting comprehensive, liability, and medical payments insurance will cost $370 per year.

Engine size

The average Mazda Miata insurance cost is $1,588 per year. Minimum coverage is $442, so the price will vary based on your particular circumstances. If you’re interested in saving money on insurance, consider a Mazda MX-5. You’ll find it has many safety features, including airbag protection and high-tech braking systems. Those features also mean lower repair costs and more available spare parts. While you may think the smaller engine size and lightweight construction are to blame for the lower insurance rate, it’s actually the high safety features that make the Miata so popular.

The engine size, as well as the engine configuration, are key factors in determining the cost of insurance. Some premium features, such as a custom sound system, can drive up insurance costs. If you want to save money on insurance, consider a base model. You can always opt to add a higher-end stereo later on, but you may need to get a separate policy for it. Fortunately, these features are affordable enough to offset the higher price tag.

If you’re considering buying a Mazda Miata, it’s important to consider the cost of auto insurance. The higher the engine size, the more expensive your insurance will be. A Mazda Miata with a 2.0-liter engine is considered a medium-powered vehicle, so the cost of auto insurance will depend on the engine size. This may be a good choice for some drivers because it will reduce the insurance cost.


If you are considering buying a Mazda Miata, it’s a good idea to look into reliability insurance. The cost of insurance will depend on how many miles you drive, how much you pay for maintenance and repairs, and the type of coverage you need. The best coverage is the cheapest, so you’ll probably want to stick to the base model. It may also be better to purchase a lower-priced model if you’re looking to save money.

The Mazda Miata is a relatively inexpensive sports car. It starts at $26,580 and has a reliability rating of 4/5. Owners also enjoy lower maintenance costs, with maintenance costs of $4,168 over five years. In fact, Kelly Blue Book has awarded the Miata with a 5-year Cost to Own Award for 2015.

A higher reliability score may lower your insurance costs, but you may still want to check with your provider. Younger drivers are generally more likely to crash, and will typically be charged higher rates than those who are older and safer. In addition to safety ratings, older drivers tend to be more responsible drivers, so insurance rates will be lower. Make sure to check the model’s reliability rating before buying. It can help you to make the best choice for your budget.

State Farm is the cheapest insurance provider for Mazda owners. The average annual insurance cost for the 2022 model is $1,636 – nearly half of the overall average. By comparison, the most expensive car insurer is Allstate. The next cheapest option is USAA. It was one of the cheapest insurers in the past for some Mazda models. Its rates are based on a 30-year-old male in Texas with a clean driving record.

Safety features

The 2016 Mazda Miata has an excellent safety rating and comes equipped with a comprehensive suite of modern driver assistance and safety features. For an older vehicle, the safety features on a Mazda Miata MX-5 are impressive, but this isn’t the only factor in its insurance cost. The i-Activsense safety package comes standard on many models, and the car also includes adaptive headlights, lane departure warnings, and smart city braking support. These features can add up to a significant savings on your insurance cost.

Safety features in the Mazda Miata include airbags for the driver and front passengers, seatbelt pretensioners, and anti-lock brakes with Electronic Brakeforce Distribution. Mazda Miatas have an excellent safety rating, but it’s always better to be safe than sorry. The car has an anti-lock braking system that allows the wheels to rotate more efficiently when turning, reducing the risk of slipping. While it may be difficult to find reliable information on insurance premiums, the Mazda Miata comes with the standard safety features you need to get the best possible deal.

The Mazda 3 received an overall five-star safety rating from the NHTSA in 2018. The top safety award is given only to vehicles that perform well in a wide range of tests. The Mazda 3’s crashworthiness score is high, so if you want to lower your insurance costs, you should install the optional Mazda Connect. However, note that some features require cellular service, and message and data rates may apply. In addition, the CarPlay system is a trademark of Apple Inc., and is subject to Apple’s terms and privacy statement.