2021 Mazda MX-5 Miata Car Insurance Calculator

Monitor in real-time how seemingly small changes affect the cost of insurance for a 2021 Mazda MX-5 Miata. Tweak settings like coverage deductibles, age of the driver, and policy discounts to see how insurance cost is affected. Immediately see the impact of your choices on the cost of insurance.

The average estimated car insurance premium for a 2021 Mazda MX-5 Miata is $1,816 per year, or about $151 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,816

Cost Per Month

$151

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Mazda MX-5 Miata Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2021 Mazda MX-5 Miata.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,816
Average Rate
Your Rate
$1,816

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2021 Mazda MX-5 Miata trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2021 Mazda MX-5 Miata is $1,816.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2021 Mazda MX-5 Miata vs. the Sports Car Segment

The table below compares insurance rates for the 2021 Mazda MX-5 Miata against all other models in the sports car segment. The Mazda MX-5 Miata is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Mazda MX-5 Miata, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Mazda MX-5 Miata.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2021 Mazda MX-5 Miata Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mazda MX-5 Miata$1,816--
2Ford Mustang$2,216$400
3BMW Z4$2,258$442
4Audi TT$2,362$546
5Toyota Supra$2,382$566
6Subaru WRX$2,390$574
7Nissan 370Z$2,434$618
8Subaru BRZ$2,554$738
9BMW M2$2,568$752
10Porsche 718$2,612$796
11Chevrolet Corvette$2,614$798
12Chevrolet Camaro$2,732$916
13Lexus RC F$2,742$926
14Dodge Challenger$2,876$1,060
15Mercedes-Benz AMG GT53$2,978$1,162
2021 Sports Car Average$2,982$1,166
16Jaguar F-Type$3,294$1,478
17Lexus LC 500$3,360$1,544
18BMW M4$3,454$1,638
19Porsche 911$3,484$1,668
20Mercedes-Benz AMG GT63$3,944$2,128
21Acura NSX$3,972$2,156
22BMW i8$3,976$2,160
23Audi R8$4,272$2,456
24Nissan GT-R$4,274$2,458

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2021 MX-5 Miata Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 Mazda MX-5 Miata.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2021 Mazda MX-5 Miata Insurance Rates by Trim Level
2021 Mazda MX-5 Miata Trim Level Annual Premium Cost Per Month
Sport Convertible$1,724$144
Club Convertible$1,808$151
Grand Touring Convertible$1,808$151
RF Club Convertible$1,872$156
RF Grand Touring Convertible$1,872$156

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2021 Mazda MX-5 Miata for different driver ages.

2021 Mazda MX-5 Miata Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,290$524
17$6,106$509
18$5,503$459
19$5,012$418
20$3,858$322
21$3,684$307
22$3,310$276
23$2,725$227
24$2,580$215
25$2,104$175
30$1,940$162
35$1,868$156
40$1,816$151
45$1,700$142
50$1,608$134
55$1,502$125
60$1,506$126
65$1,598$133
70$1,712$143
75$1,994$166
80$2,442$204

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Mazda MX-5 Miata trim levels.