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MAZDA MX-5 2004 Car Insurance

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The 2004 Mazda MX-5 Miata is a lightweight, agile roadster known for pure driving enjoyment and exemplary handling. An icon of the accessible sports car segment, it appeals to enthusiasts seeking an authentic driving experience over raw power.

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

Between 2022 and 2026, premiums for the 2004 Mazda MX-5 Miata fluctuate noticeably, rising from $259 to $556 in 2023 before gradually declining to $248 in 2026. This pattern suggests a one-time spike rather than a sustained upward or downward 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 cities provided, Longueuil ($296) and Gatineau ($295) show the highest premiums for the 2004 MX-5 Miata, 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 insurance cost for a 2004 Mazda MX-5 Miata?
The average premium varies by year, peaking at $556 in 2023 and settling at $248 in 2026. These swings reflect occasional market adjustments rather than a continuous increase.
Why did the premium spike in 2023?
The 2023 spike, where the average premium reached $556, may stem from a temporary cost revision or a short-term rise in claims for this model.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any vehicle driven on public roads.
Which city offers the lowest insurance cost for the 2004 MX-5 Miata?
Based on the data provided, Quebec City has the lowest premium at $217, compared to $295 in Gatineau and $296 in Longueuil.
Why can an older sports car like the Miata cost less to insure?
Its lower replacement value and often seasonal or secondary use can reduce the premium despite its sports-car classification.
How can I lower the insurance premium for this type of vehicle?
Comparing multiple quotes, opting for reduced annual mileage, and checking discounts for secondary vehicles can help lower the cost.

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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 data from insurance submissions that actually resulted in a sale.
  • Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
  • Last updated: 08/14/2026

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