Mazda RX-8 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 3, 2024
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Estimated insurance prices for a Mazda RX-8 are $942 every 12 months including full coverage. Comprehensive costs on average $154 a year, collision insurance costs $188, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, and high-risk coverage costs around $2,020. Teens pay the most at up to $3,814 a year.
Average premium for full coverage: $942
Premium estimates by type of coverage:
Estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and RX-8 trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Mazda RX-8 range from the cheapest price of $496 for a discount liability-only rate to a high of $2,020 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how location helps determine car insurance rates.
These rate differences highlight why it is important to get quotes based on a specific location and their own driving history, 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 breaks down average Mazda RX-8 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $578
- Choosing higher $1,000 deductibles can save around $864 every year
- The average price for a 40-year-old good driver with $500 deductibles is $942
- Selecting low $100 deductibles for comp and collision coverage increases the price to $1,090
- Higher-risk drivers with serious driving violations could pay upwards of $2,020
- An auto insurance policy to insure a 16-year-old driver may cost $3,814 each year
Insurance prices for a Mazda RX-8 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your RX-8.
Choosing higher comprehensive and collision insurance deductibles can save as much as $230 annually, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay upwards of $3,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,100 to $1,600 extra annually, depending on your age. A high-risk auto insurance policy ranges from 42% to 130% more than the average policy. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Mazda RX-8 insurance prices. A good driver about age 40 could pay as low as $730 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,350 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $854 | -$88 | -9.3% |
| Alaska | $724 | -$218 | -23.1% |
| Arizona | $784 | -$158 | -16.8% |
| Arkansas | $942 | -$0 | 0.0% |
| California | $1,074 | $132 | 14.0% |
| Colorado | $902 | -$40 | -4.2% |
| Connecticut | $970 | $28 | 3.0% |
| Delaware | $1,066 | $124 | 13.2% |
| Florida | $1,182 | $240 | 25.5% |
| Georgia | $870 | -$72 | -7.6% |
| Hawaii | $680 | -$262 | -27.8% |
| Idaho | $638 | -$304 | -32.3% |
| Illinois | $704 | -$238 | -25.3% |
| Indiana | $710 | -$232 | -24.6% |
| Iowa | $636 | -$306 | -32.5% |
| Kansas | $896 | -$46 | -4.9% |
| Kentucky | $1,286 | $344 | 36.5% |
| Louisiana | $1,396 | $454 | 48.2% |
| Maine | $582 | -$360 | -38.2% |
| Maryland | $780 | -$162 | -17.2% |
| Massachusetts | $756 | -$186 | -19.7% |
| Michigan | $1,638 | $696 | 73.9% |
| Minnesota | $790 | -$152 | -16.1% |
| Mississippi | $1,132 | $190 | 20.2% |
| Missouri | $838 | -$104 | -11.0% |
| Montana | $1,014 | $72 | 7.6% |
| Nebraska | $744 | -$198 | -21.0% |
| Nevada | $1,132 | $190 | 20.2% |
| New Hampshire | $680 | -$262 | -27.8% |
| New Jersey | $1,054 | $112 | 11.9% |
| New Mexico | $834 | -$108 | -11.5% |
| New York | $994 | $52 | 5.5% |
| North Carolina | $544 | -$398 | -42.3% |
| North Dakota | $772 | -$170 | -18.0% |
| Ohio | $652 | -$290 | -30.8% |
| Oklahoma | $970 | $28 | 3.0% |
| Oregon | $864 | -$78 | -8.3% |
| Pennsylvania | $902 | -$40 | -4.2% |
| Rhode Island | $1,260 | $318 | 33.8% |
| South Carolina | $854 | -$88 | -9.3% |
| South Dakota | $796 | -$146 | -15.5% |
| Tennessee | $828 | -$114 | -12.1% |
| Texas | $1,136 | $194 | 20.6% |
| Utah | $700 | -$242 | -25.7% |
| Vermont | $646 | -$296 | -31.4% |
| Virginia | $564 | -$378 | -40.1% |
| Washington | $732 | -$210 | -22.3% |
| West Virginia | $864 | -$78 | -8.3% |
| Wisconsin | $654 | -$288 | -30.6% |
| Wyoming | $842 | -$100 | -10.6% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda RX-8 Sport 4-Dr Coupe | $930 | $78 |
| Mazda RX-8 Grand Touring 4-Dr Coupe | $942 | $79 |
| Mazda RX-8 R3 4-Dr Coupe | $942 | $79 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Mazda RX-8 | $180 | $224 | $468 | $1,030 |
| 2006 Mazda RX-8 | $154 | $188 | $442 | $942 |
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 Shop for Low Cost Mazda RX-8 Insurance
Finding better rates on insurance for a Mazda RX-8 takes being a low-risk driver, having good credit, refrain from filing small claims, and determing if full coverage is necessary. Invest time comparing rates every year by getting price quotes from direct car insurance companies, and also from your local independent and exclusive agents.
The items below are a review of the coverage data covered in the charts and tables above.
- You may be able to save as much as $100 per year just by quoting early and online
- Increasing policy deductibles could save as much as $225 each year
- Teen drivers pay the highest prices, with the cost nearing $318 per month if they have full coverage
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,080 more each year to insure their RX-8
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,814 |
| 20 | $2,150 |
| 30 | $958 |
| 40 | $942 |
| 50 | $866 |
| 60 | $848 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,090 |
| $250 | $1,024 |
| $500 | $942 |
| $1,000 | $864 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $942 |
| 50/100 | $1,030 |
| 100/300 | $1,141 |
| 250/500 | $1,428 |
| 100 CSL | $1,075 |
| 300 CSL | $1,318 |
| 500 CSL | $1,495 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,356 |
| 20 | $3,422 |
| 30 | $2,036 |
| 40 | $2,020 |
| 50 | $1,932 |
| 60 | $1,912 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $47 |
| Multi-vehicle | $50 |
| Homeowner | $17 |
| 5-yr Accident Free | $56 |
| 5-yr Claim Free | $58 |
| Paid in Full/EFT | $33 |
| Advance Quote | $40 |
| Online Quote | $63 |
| Total Discounts | $364 |
Discounts are estimated and may not be available from every company or in every state.
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