The 2026 Mazda MX-5 Miata Sport costs $995 a month in complete monthly cost, built from a $620 loan payment, $89 in insurance, $186 in fuel, $60 in maintenance, and $40 in title and registration, on a $30,665 sticker price. That total leads the convertible category by a wide margin, 48.7% below the segment average of $1,939, nearly half the typical convertible's cost. The convertible segment includes a broad range of vehicles, from affordable roadsters to high-end performance and luxury models, which pulls the average well above what the Miata Sport actually costs. The Miata's low insurance cost, $89 a month, close to the broader market average despite its sports car reputation, combined with its accessible purchase price, makes it one of the rare vehicles that delivers genuine driving enjoyment without the ownership cost typically associated with a convertible.

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