The manufacturer’s suggested retail price (MSRP) for the 2025 Mazda MX-5 Miata base model is $29,530.2 Average monthly quotes for the 2025 MX-5 Miata aren’t included below due to insufficient data.
The Mazda MX-5 Miata is among the most popular sports roadsters available due to its relatively low price, trim levels, performance, and reliability.1 Mazda sold 614 MX-5 Miatas in December 2024, representing a year-over-year increase of 45.5%.
Additionally, owners seem happy with their Miatas, giving the car a rating of 4.7 out of 5, according to Kelley Blue Book.
MX-5 Miata insurance is also relatively inexpensive, averaging $169 per month for full coverage and $90 for liability only, according to Insurify data. This is slightly less than the average policy price for similar cars, such as the BMW Z4 and the Audi TT.
Still, if you want to find the best balance of affordability and strong coverage for your Miata, it’s a good idea to compare car insurance quotes from multiple companies.
Cost of MX-5 Miata insurance by model year
The cost to insure an MX-5 Miata averages $169 per month for full coverage and $90 for liability only.
Insurance prices vary by company, with USAA, State Farm, and Allstate offering the cheapest coverage on average. The following table shows average rates for full-coverage and liability-only policies for the MX-5 Miata over the past 10 years. With some careful shopping, you can likely find lower rates.
The base MSRP for the 2024 MX-5 Miata is $28,985. Depending on the trim, engine size, added safety features, and other factors, pricing can exceed $40,000.
The table below highlights the average monthly 2024 MX-5 Miata insurance price from several of the best insurance companies. Your cost might vary based on age, where you live, driving record, and whether you’re eligible for discounts.
When the 2023 MX-5 Miata was released, its base model MSRP was $28,050, and the top-of-the-line model was $38,950.
The table below shows average monthly insurance quotes from several companies.
The 2022 MX-5 Miata’s starting MSRP was $27,300 and went as high as $38,200.
The table below shows average monthly insurance quotes from some of the best insurers for a 2022 MX-5 Miata.
The 2021 Mazda MX-5 Miata was equipped with wireless Apple CarPlay for the first time and had a $26,830 starting MSRP. The table below shows average insurance prices for the 2021 MX-5 Miata.
In 2020, the 2020 MX-5 Miata’s MSRP ranged between $27,525 and $36,695.
See the table below for average insurance prices from several different companies.
The 2019 MX-5 Miata’s MSRP ranged from $26,650 for the base model to $38,915 for the company’s 30th anniversary edition. Released in August 2019, the RF model had a base price of $33,335.
Check out the table below for average monthly rates from several insurers.
The 2018 MX-5 Miata’s starting MSRP was $26,190, with higher-end models costing up to $35,315.
The following table shows which insurers offer cheap monthly quotes for the 2018 MX-5 Miata.
The starting MSRP for the 2017 MX-5 was $24,915. Mazda also released the RF version that year, with pricing starting at $31,555.
The insurers in the table below offer cheap coverage for the 2017 MX-5 Miata.
When it was released, the 2016 Mazda MX-5 Miata had a starting MSRP of just under $25,000. The table below reflects the average monthly insurance rate from several top insurers.
Average cost of Mazda insurance by state
The state you live in affects your insurance cost. Additionally, insurers offer different quotes based on your claims history, driving record, and car’s make and model.3
This table highlights how Mazda insurance prices vary by state. Alaska and Hawaii are not included due to lack of data.
How to ensure you have enough coverage on your MX-5 Miata
Before buying auto insurance, it’s essential to look for the coverage you need at a cost that fits your budget. If you lease or finance your Miata, your lender may require you to carry comprehensive and collision coverage, which ensures the vehicle is protected. Some of the most common auto insurance coverages include the following:4
MX-5 Miata insurance FAQs
As you compare Mazda MX-5 Miata insurance quotes, the answers to these commonly asked questions can provide more information.
USAA has the cheapest average rate for insuring the MX-5 Miata, averaging $86 per month for full coverage. But if you aren’t a veteran or in the military, you can find cheap full-coverage rates with GEICO, at $102 per month, and State Farm, at $103 per month.
No, the MX-5 Miata isn’t expensive to insure. This is likely because Mazdas aren’t as expensive as other comparable cars, even though the MX-5 is considered a sports car.
Car insurance costs vary based on several factors, including where you live, your age and gender, driving history, claims history, and more. Additionally, the car’s age, make, model, and other traits influence costs. On average, though, it costs about $169 per month to insure a 2025 Mazda MX-5 Miata with a full-coverage policy.
Yes, the Miata is considered a sports car for insurance purposes. Mazda markets the Miata as such, and it’s generally considered one of the least expensive sports cars to buy and insure.
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Insurance Writer
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