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...
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UPDATED: Apr 3, 2024
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U.S. average insurance prices for a Mazda RX-8 are $942 every 12 months with full coverage. Comprehensive insurance costs an estimated $154, collision insurance costs $188, and liability costs around $442. Liability-only coverage costs as low as $496 a year, and high-risk coverage costs $2,020 or more. Teen drivers pay the highest rates at up to $3,814 a year.
Average premium for full coverage: $942
Price estimates broken down by individual coverage:
Includes $500 deductible amounts, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all RX-8 models.
Price Range from Low to High
For the average 40-year-old driver, Mazda RX-8 insurance prices range from the cheapest price of $496 for basic liability insurance to the much higher price of $2,020 for a high-risk driver policy.
Geographic Price Range
Where you live can have significant affects on car insurance rates. More rural locations have more infrequent collision claims than larger metro areas. The example below illustrates the difference location can make on insurance prices.
The ranges above demonstrate why everyone should compare prices for a targeted area and their own driving history, instead of using price averages.
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.
Rate Comparisons
The chart below details average Mazda RX-8 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $578
- Using higher $1,000 deductibles will save approximately $78 annually
- The average price for the average middle-age driver who has $500 deductibles is $942
- Choosing pricier low deductibles for physical damage coverage costs an extra $148 every year
- Drivers with multiple violations and an at-fault accident could pay up to $2,020
- The price to insure a teen driver for full coverage can cost as much as $3,814 or more
Auto insurance prices for a Mazda RX-8 are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.
Choosing high deductibles could cut prices by as much as $230 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may pay as little as $900 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay at least $3,800 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out $1,100 to $1,600 in extra premium each year, depending on your age. Mazda RX-8 insurance for high-risk drivers can be as much as 42% to 130% more than average. View High Risk Driver Rates
The state you live in has a huge impact on Mazda RX-8 insurance prices. A driver around age 40 might see prices as low as $680 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,280 on average in New York, Michigan, and Florida.
| 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 the Cheapest Mazda RX-8 Insurance
Getting lower rates on car insurance requires having a good driving record, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Make time to compare rates every time your policy renews by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The next list is a recap of the information touched on in this article.
- You may be able to save approximately $100 per year just by quoting online well ahead of the renewal date
- Drivers age 20 and younger are the costliest to insure, costing up to $318 a month if comprehensive and collision insurance is included
- Increasing physical damage deductibles could save as much as $225 each year
- Higher risk drivers that have major violations or accidents may pay on average $1,080 more annually to buy Mazda RX-8 insurance
- Policyholders who want increased levels of liability coverage will pay about $490 every year to increase from a low limit to a 250/500 level
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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