Is Miata Insurance Expensive?

A Miata should cost roughly $1,298 per year to insure, or around $108 per month for the average driver. Collision coverage will set you back $576 a year, liability and medical payments will set you back $356, and the remaining comprehensive coverage will set you back $366.

The figure below shows how the cost of MX-5 Miata insurance fluctuates depending on driver age and policy deductibles.

Is a Miata a sports car to insurance?

The 2011 Mazda MX-5 Miata starts at roughly $23,000, with a pleasing 22 city/28 highway fuel economy for the basic transmission. The Sport has a five-speed manual transmission, while the Touring and Grand Touring versions have a six-speed manual transmission.

Optional six-speed automatic transmission with steering-mounted manual paddle shifters is available on all trim levels.

Although the Miata retains its barebones sports car driving feel, a variety of packages and options are available to enhance the basic experience with practical, fun, and high-tech features.

Remote keyless entry, power door locks, fog lights, cruise control, steering-wheel-mounted controls, and a trip computer are all included in the Convenience Package. This package is standard on the Touring and Grand Touring trim levels, although it is optional on the Sport trim level.

On Touring and Grand Touring models, the Suspension Package adds a sport-tuned suspension, Bilstein shock absorbers, and a limited-slip differential with the manual transmission.

Xenon headlights, Mazda’s Advanced Keyless Entry and Start System, Bluetooth, satellite radio, Dynamic Stability Control, and Traction Control are included with the Grand Touring’s Premium Package.

Many standard safety features seen on the safest SUVs and sedans are available on the Miata, demonstrating Mazda’s commitment to safety even in an open-top roadster. Front and side-impact airbags, as well as passenger-weight and driver-seat-position sensors and a passenger-side deactivation switch, are all included in the crash-protection package.

All of this is done to protect undersized passengers and drivers from the direct trajectory of airbags deployed at too close a range. Seatbelt pretensioners with force limiters, ABS brakes with Brake Assist and Electronic Brakeforce Distribution, side-impact door beams, collapsible steering column, tire-pressure monitoring, and a complete antitheft alarm system are among the other safety features.

Dynamic Stability Control and Traction Control contribute to the Grand Touring’s safety credentials.

The National Highway Traffic Safety Administration and the Insurance Institute for Highway Safety do not regularly evaluate the Mazda MX-5 Miata, as they do with a number of other convertible sports cars, preferring to focus on family and conventional driving vehicles such as SUVs, minivans, and sedans.

However, according to a 2005 review by US News, it received a positive rating. For front-impact on the driver’s side, the Miata received four out of five stars, five for front passenger-side impact and rollover, and three for driver’s side-impact.

Despite the inherent danger and sporty driving profile associated with convertible sports cars, the Miata is less expensive to insure than its competitors. The MX-5 has a national average premium of roughly $1400 per year, compared to $1600 for the Hyundai Genesis Coupe and around $2300 for the Nissan 370Z.

A national average, of course, is only a starting point. The state and town where you live, driver age and driving record, credit history, annual mileage, and multi-policy discounts are just a few of the factors that influence the price you pay for insurance.

For example, the typical premium price for a Mazda MX-5 in Vermont is roughly $900; in Louisiana, the same coverage costs over $2300. Depending on how it is statistically factored in, each other variable will push the price up or down.

Simply input your zip code in the box provided to see how much it costs to insure a Mazda MX-5 Miata in your area and start comparing prices.

Is a Miata a girl car?

We don’t believe the Mazda MX-5 Miata is or was was a girl’s automobile. The truth is that Mazda introduced the Miata in 1990 as an attempt to create a rear-drive, lightweight car that was as entertaining as the British roadsters of the previous decade. And it was successful. In reality, the Miata sold more than 23,000 units in its first year of manufacture, surpassing the amount of Toyota MR2s sold in the same year. Furthermore, the Miata has developed a devoted following of enthusiasts who like modifying and tuning them to be faster than practically any muscle car you’ll see cruising down your neighborhood.

The Miata’s engine, like the rest of the car, grew in size over time, and there was even a turbocharged Mazdaspeed Miata at one point. Mazda seems to recognize the “girl’s vehicle” label and responded by sharpening the car’s design, beefing up the engine and suspension, and even removing the moniker “Miata” in favor of the more gender-neutral “MX-5.” Whether this is true or not, we now have a super sharp, sleek, and dare we say, “elegant” Mazda MX-5 with more angles for the males and “cute” aspects for the women.

Are miatas expensive to insure for teens?

  • Teenage drivers have the highest costs, which are roughly $4,291 per year or $358 per month.
  • Insurance for the Mazda MX-5 Miata is about $345 less per year than the average vehicle.

Can a Miata be a daily driver?

A daily vehicle should be able to float over potholes and transport you and your friends/family, something the Miata is incapable of doing. Drivers, after all, have lives to live, and those lives include far more than trips to the racetrack or the boardwalk. The NB Miata is without a doubt one of the best driver’s vehicles ever made. To that point, the same characteristics that make it a fantastic driver’s car (lightweight, RWD, short-ratio manual) also make it a poor daily driver.

Is the Mazda Miata a reliable car?

The Mazda Miata has a high level of reliability, with certain model years rating higher than others. It received a 4.0 out of 5.0 rating from RepairPal, placing it eighth among the 21 subcompact automobiles in its category. J.D. Power gave the 2019 Mazda Miata a 73 out of 100 rating.

The Mazda Miata was ranked second out of eight vehicles in the sports car market by US News & World Report in 2021. It also placed the model second in the convertibles category out of four vehicles. With these data, it’s clear that the Mazda Miata can easily have a long service life with careful handling and proper maintenance.

Is a 1990 Miata a sports car?

From the Archives: Mazda’s first-generation Miata signified the return of the honest sports car, but with all of the modern conveniences.

Is a Mazda Miata a sports car?

THE MX-5 MIATA’S RACE HISTORY The MX-5 Miata has remained an authentic lightweight sports car throughout its four versions. Around a million individuals have discovered its exciting open-air driving style all over the world. Making the MX-5 Miata the all-time best-selling roadster.

What is a Miata considered?

In 1976, Kenichi Yamamoto and Gai Arai, heads of Mazda’s Research & Development, met Bob Hall, a journalist at Motor Trend magazine who was an authority on Japanese automobiles and fluent in the language. Hall was asked by Yamamoto and Gai Arai what kind of car Mazda should develop in the future:

I talked about how the simple, bugs-in-the-teeth, wind-in-the-hair, traditionally British sports car no longer exists. I suggested to Mr. Yamamoto that someone construct a cheap roadster.

In 1981, Hall moved to Mazda USA as a product planner, where he met Yamamoto, now chairman of Mazda Motors, who remembered their conversation about a roadster and offered Hall permission to pursue the idea further in 1982. At the time, Hall hired designer Mark Jordan to join the Mazda design lab in Southern California, which had just opened. Hall and Jordan worked together on the first image’s parameters, proportion, and depiction of the “light-weight sports” notion. The proposal was authorized in 1983 as part of the “Offline 55” program, an internal Mazda project aimed at changing the way new models were created. As a result, the concept development was turned into a competition between the Mazda design teams in Tokyo and California, led by project Masakatsu.

The Californian team offered the Duo 101 front-engine, rear-wheel-drive layout, which was inspired by the British roadster, but their Japanese colleagues preferred the more typical front-engine, front-wheel-drive arrangement or the rear mid-engine, rear-wheel-drive layout.

The first round of judging the competing designs took place in April 1984, with only paper concepts being shown. Although it was understood at the time that such a layout would struggle to meet the project’s noise, vibration, and harshness (NVH) standards, the mid-engined automobile appeared to provide attractive attributes. The Duo 101 won the competition in the second phase, when full-scale clay models were displayed, in August 1984, and was chosen as the basis for the MX-5.

Many important visual characteristics inspired by the Lotus Elan, a 1960s roadster, were included into the Duo 101, including the door handles, tail lamps, and grille opening, as well as engine appearance and center console arrangement. Mazda’s design office is believed to have purchased a vintage Lotus Elan as a source of inspiration for the designers. A running prototype, coded V705, was commissioned from International Automotive Design (IAD) in Worthing, England. It was made with a fiberglass body, a 1.4 L (85 cu in) Mazda Familia engine, and parts from several early Mazda cars. The V705 was finished in August 1985 and shipped to the United States, where it was tested on the roads of Santa Barbara, California, to excellent reviews.

On January 18, 1986, the project obtained final approval. Under the direction of Toshihiko Hirai, the model’s codename was changed to P729 as it entered the manufacturing phase. IAD was given the duty of building five engineering mules (further evolved prototypes), as well as conducting the first front and rear crash testing on the P729. Wu-huang Chin, Tom Matano, Mark Jordan, and Tom Matano (

Is a Miata a JDM car?

In October 1997, the revamped second-generation Mazda MX-5 Miata was previewed at the Tokyo Motor Show. In 1999, the car, which was given the chassis code NB, was made available to the general public.

The MX-5 Miata was equipped with a naturally aspirated 1.8-liter four-cylinder engine that produced a decent 140 horsepower and 116 pound-feet of torque in the United States. A conventional five-speed manual transmission or an optional four-speed automatic transmission transferred power from the engine to the rear wheels.