Mazda MX-5 Miata RF Insurance: by Model Year & Company
Mazda MX-5 Miata RF insurance costs an average of $990 for a 6-month full coverage policy. Progressive offers the cheapest rate for the latest Mazda MX-5 Miata RF at $132/mo or $791 for a 6-month full coverage policy.
- Shopping around? Use our calculator to compare average insurance rates by vehicle.
- Know your vehicle? Get a personalized quote by entering your zip code.
What to know about insuring a Mazda MX-5 Miata RF:
- The MX-5 Miata RF costs less to insure than most convertibles. Averaging $165/mo for the MX-5 Miata RF versus $189/mo for typical convertibles.
- If you're considering a vehicle similar to the MX-5 Miata RF, like the Mazda MX-5 Miata ($145/mo), Mazda CX-5 ($143/mo), or Mazda CX-3 ($135/mo), your insurance costs will be more expensive.
- Erie ($114/mo), Progressive ($122/mo), American Family ($128/mo) offer the cheapest full coverage rates.
The rates displayed are based on a full coverage 30-year-old male driver with no violations in 2025. Customizations to your vehicle (trim or modifications) and your driving history will impact your insurance costs. Consider these rates as a jumping off point for your search.
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Cheapest Companies
2025 Mazda MX-5 Miata RF
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,582 |
| Erie |
$1,606 |
| American Family |
$1,742 |
| Nationwide |
$1,833 |
| USAA |
$1,988 |
| State Farm |
$2,324 |
| GEICO |
$2,371 |
| Farmers |
$3,139 |
| Allstate |
$4,573 |
Compare all 2025 Mazda MX-5 Miata RF insurance rates.
Average Cost to Insure Per Year
$2,4592024 Mazda MX-5 Miata RF
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie |
$1,552 |
| Progressive |
$1,573 |
| American Family |
$1,685 |
| Nationwide |
$1,874 |
| USAA |
$1,971 |
| State Farm |
$2,248 |
| GEICO |
$2,279 |
| Farmers |
$2,946 |
| Allstate |
$4,330 |
Compare all 2024 Mazda MX-5 Miata RF insurance rates.
Average Cost to Insure Per Year
$2,3822023 Mazda MX-5 Miata RF
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie |
$1,471 |
| Progressive |
$1,551 |
| American Family |
$1,625 |
| Nationwide |
$1,837 |
| USAA |
$1,933 |
| State Farm |
$1,970 |
| GEICO |
$2,206 |
| Farmers |
$2,805 |
| Allstate |
$3,736 |
Compare all 2023 Mazda MX-5 Miata RF insurance rates.
Average Cost to Insure Per Year
$2,2252022 Mazda MX-5 Miata RF
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie |
$1,468 |
| Progressive |
$1,519 |
| American Family |
$1,583 |
| Nationwide |
$1,774 |
| State Farm |
$1,901 |
| USAA |
$1,921 |
| GEICO |
$2,117 |
| Farmers |
$2,673 |
| Allstate |
$3,509 |
Compare all 2022 Mazda MX-5 Miata RF insurance rates.
Average Cost to Insure Per Year
$2,1422021 Mazda MX-5 Miata RF
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie |
$1,349 |
| Progressive |
$1,470 |
| American Family |
$1,519 |
| Nationwide |
$1,777 |
| USAA |
$1,801 |
| State Farm |
$1,908 |
| GEICO |
$2,041 |
| Farmers |
$2,689 |
| Allstate |
$3,074 |
Compare all 2021 Mazda MX-5 Miata RF insurance rates.
Average Cost to Insure Per Year
$2,0362020 Mazda MX-5 Miata RF
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie |
$1,314 |
| Progressive |
$1,419 |
| American Family |
$1,484 |
| USAA |
$1,748 |
| State Farm |
$1,811 |
| Nationwide |
$1,843 |
| GEICO |
$1,961 |
| Farmers |
$2,433 |
| Allstate |
$2,962 |
Compare all 2020 Mazda MX-5 Miata RF insurance rates.
Average Cost to Insure Per Year
$1,9682019 Mazda MX-5 Miata RF
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie |
$1,241 |
| Progressive |
$1,368 |
| American Family |
$1,429 |
| USAA |
$1,637 |
| State Farm |
$1,743 |
| Nationwide |
$1,758 |
| GEICO |
$1,864 |
| Farmers |
$2,342 |
| Allstate |
$2,806 |
Compare all 2019 Mazda MX-5 Miata RF insurance rates.
Average Cost to Insure Per Year
$1,8742018 Mazda MX-5 Miata RF
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie |
$1,195 |
| Progressive |
$1,337 |
| American Family |
$1,390 |
| USAA |
$1,522 |
| Nationwide |
$1,574 |
| State Farm |
$1,656 |
| GEICO |
$1,732 |
| Farmers |
$2,217 |
| Allstate |
$2,401 |
Compare all 2018 Mazda MX-5 Miata RF insurance rates.
Average Cost to Insure Per Year
$1,7222017 Mazda MX-5 Miata RF
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Erie |
$1,157 |
| American Family |
$1,314 |
| Progressive |
$1,324 |
| USAA |
$1,342 |
| State Farm |
$1,572 |
| Nationwide |
$1,613 |
| GEICO |
$1,665 |
| Farmers |
$2,134 |
| Allstate |
$3,216 |