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MAZDA MX-5 2004 Car Insurance

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The 2004 Mazda MX-5 is a lightweight, agile roadster known for pure driving enjoyment and exceptional handling. An icon in the affordable convertible segment, it attracts enthusiasts seeking an authentic, sporty everyday driving experience.

MAZDA MX-5 2004 CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2022 and 2026, premiums for the 2004 Mazda MX-5 fluctuate, rising from $259 to a peak of $556 in 2023, before gradually declining to $248 by 2026. This variation reflects mostly short-term adjustments rather than a sustained upward trend.

To find the best insurance for your MAZDA MX-5 2004 vehicle, it is more important than ever to compare the available options.

How much does insurance for your MAZDA MX-5 2004 cost in Quebec?

Among the provided cities, Longueuil ($296) and Gatineau ($295) show the highest average premiums for the 2004 MX-5, while Quebec City ($217) offers the lowest amount.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City Average price over the last 12 months
GATINEAU $295.39
LONGUEUIL $296.48
QUÉBEC $216.68

Frequently asked questions (FAQ)

How much does auto insurance cost for a 2004 Mazda MX-5?
The average premium for a 2004 Mazda MX-5 reached $248 in 2026, after fluctuating over the years, including a notable peak of $556 in 2023.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any road vehicle driven on public roads.
Why did the 2004 MX-5 premium vary so much between 2022 and 2026?
Premiums rose from $259 in 2022 to $556 in 2023, then declined to $248 in 2026. These swings may reflect risk adjustments or changes in insured profiles rather than a stable trend.
Which city offers the lowest insurance cost for a 2004 MX-5?
Based on the data provided, Quebec City ($217) shows the lowest average premium, compared to Gatineau ($295) and Longueuil ($296).
Is an older vehicle like the 2004 MX-5 cheaper to insure?
Generally yes, since replacement value decreases with vehicle age, which partly explains the relatively low premiums observed despite the model's sporty classification.
How can I reduce my premium for a vehicle like the MX-5?
Comparing quotes from several insurers, adjusting optional coverage based on the vehicle's value, and maintaining a good driving record are effective ways to lower the premium.

Offers received by our customers on MAZDA MX-5 2004 cars

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Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :

  • Analysis period: Our analyses are based solely on insurance submissions collected over the millions of submissions in recent years, thus guaranteeing the relevance of our comparisons.
  • Real-world comparisons: We only use premiums actually offered by our partner insurers in response to quote requests, keeping the lowest one obtained for each vehicle. This data is not limited to policies that were sold.
  • Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
  • Last updated: 09/05/2026

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