Mazda RX-8 Insurance Rates

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How Much Does 2010 Mazda RX-8 Car Insurance Cost in 2025?

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UPDATED: Apr 3, 2024

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U.S. average insurance rates for a Mazda RX-8 are $962 a year for full coverage insurance. Comprehensive insurance costs an estimated $160, collision insurance costs $198, and liability is estimated at $446. Liability-only insurance costs approximately $500 a year, and high-risk driver insurance costs $2,066 or more. Teens pay the highest rates at up to $3,882 a year.

Average premium for full coverage: $962

Price estimates broken down by individual coverage:

Comprehensive $160
Collision $198
Liability $446

Rates are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for different RX-8 trim levels.

Price Range from Low to High

Using a middle-aged driver as an example, Mazda RX-8 insurance prices range from as low as $500 for a discount liability-only rate to a much higher rate of $2,066 for a policy for a high-risk driver.

Liability Only $500
Full Coverage $962
High Risk $2,066

Geographic Price Range

Living in a larger city can make a big difference on the price of insurance. More rural locations have a lower frequency of physical damage claims than cities with more traffic congestion. The price range example below illustrates how where you live affects insurance prices.

Rural Areas $722
Small Cities $1,010
Large Cities $1,299

The ranges above illustrate why anyone shopping for car insurance should get quotes for a targeted area and risk profile, instead of making a decision based on averaged prices.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rates by State, City, and Model

The chart below illustrates average Mazda RX-8 insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $590
  • Choosing higher $1,000 deductibles can save approximately $82 each year
  • The average rate for the average middle-age driver who has $500 deductibles is $962
  • Selecting more expensive low deductibles for comp and collision coverage will cost an extra $156 annually
  • Higher-risk drivers with serious driving violations could pay up to $2,066
  • The price for full coverage for a 16-year-old driver with full coverage can cost as much as $3,882 each year

View Chart as Image

Mazda RX-8 insurance cost comparison chart
Column chart showing Mazda RX-8 insurance prices range from $590 to $3,882 for full coverage

Car insurance prices for a Mazda RX-8 are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

An older driver with no driving violations and high deductibles may pay as low as $900 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged at least $3,800 a year. View Rates by Age

The state you live in plays a big part in determining prices for Mazda RX-8 insurance prices. A good driver about age 40 could pay as low as $630 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,300 on average in Florida, New York, and Michigan.

Mazda RX-8 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $874 -$88 -9.1%
Alaska $740 -$222 -23.1%
Arizona $800 -$162 -16.8%
Arkansas $962 -$0 0.0%
California $1,098 $136 14.1%
Colorado $922 -$40 -4.2%
Connecticut $992 $30 3.1%
Delaware $1,092 $130 13.5%
Florida $1,206 $244 25.4%
Georgia $890 -$72 -7.5%
Hawaii $692 -$270 -28.1%
Idaho $650 -$312 -32.4%
Illinois $718 -$244 -25.4%
Indiana $724 -$238 -24.7%
Iowa $650 -$312 -32.4%
Kansas $916 -$46 -4.8%
Kentucky $1,314 $352 36.6%
Louisiana $1,428 $466 48.4%
Maine $594 -$368 -38.3%
Maryland $794 -$168 -17.5%
Massachusetts $772 -$190 -19.8%
Michigan $1,674 $712 74.0%
Minnesota $806 -$156 -16.2%
Mississippi $1,156 $194 20.2%
Missouri $854 -$108 -11.2%
Montana $1,036 $74 7.7%
Nebraska $760 -$202 -21.0%
Nevada $1,156 $194 20.2%
New Hampshire $694 -$268 -27.9%
New Jersey $1,080 $118 12.3%
New Mexico $854 -$108 -11.2%
New York $1,014 $52 5.4%
North Carolina $556 -$406 -42.2%
North Dakota $790 -$172 -17.9%
Ohio $664 -$298 -31.0%
Oklahoma $990 $28 2.9%
Oregon $884 -$78 -8.1%
Pennsylvania $922 -$40 -4.2%
Rhode Island $1,286 $324 33.7%
South Carolina $874 -$88 -9.1%
South Dakota $814 -$148 -15.4%
Tennessee $844 -$118 -12.3%
Texas $1,162 $200 20.8%
Utah $712 -$250 -26.0%
Vermont $662 -$300 -31.2%
Virginia $576 -$386 -40.1%
Washington $746 -$216 -22.5%
West Virginia $884 -$78 -8.1%
Wisconsin $670 -$292 -30.4%
Wyoming $858 -$104 -10.8%

View Chart as Image

Mazda RX-8 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $240 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $402 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,100 to $1,600 extra each year, depending on your age. High-risk driver insurance ranges from 41% to 127% more than the average policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Mazda RX-8 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Mazda RX-8 Sport 4-Dr Coupe $948 $79
Mazda RX-8 Grand Touring 4-Dr Coupe $962 $80
Mazda RX-8 R3 4-Dr Coupe $962 $80

Rates assume 2006 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Mazda RX-8 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2010 Mazda RX-8 $186 $250 $474 $1,068
2006 Mazda RX-8 $160 $198 $446 $962

Rates are averaged for all Mazda RX-8 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Best Cheap Mazda RX-8 Insurance

Getting lower rates on insurance for a Mazda RX-8 takes being a low-risk driver, having above-average credit, not filing small claims, and possibly higher deductibles. Take the time to comparison shop every year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a quick review of the coverage data touched on in the above illustrations.

  • It is possible to save approximately $110 per year just by shopping early and online
  • Increasing physical damage deductibles can save around $250 each year
  • Teen drivers have the highest car insurance prices, as much as $324 a month if full coverage is included
  • Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,100 more annually to insure their RX-8

Rates by Driver Age

Mazda RX-8 Insurance Rates by Driver Age
Driver Age Premium
16 $3,882
20 $2,198
30 $980
40 $962
50 $886
60 $866

Full coverage, $500 deductibles

Rates by Deductible

Mazda RX-8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,118
$250 $1,048
$500 $962
$1,000 $880

Full coverage, driver age 40

Rates by Liability Limit

Mazda RX-8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $962
50/100 $1,051
100/300 $1,163
250/500 $1,453
100 CSL $1,096
300 CSL $1,341
500 CSL $1,520

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda RX-8 Insurance Rates for High Risk Drivers
Age Premium
16 $5,458
20 $3,496
30 $2,082
40 $2,066
50 $1,976
60 $1,956

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $127

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $48
Multi-vehicle $51
Homeowner $17
5-yr Accident Free $57
5-yr Claim Free $60
Paid in Full/EFT $34
Advance Quote $41
Online Quote $64
Total Discounts $372
Rate after discounts $590

Discounts are estimated and may not be available from every company or in every state.

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