Mazda RX-8 Insurance Rates

Average insurance rates for a Mazda RX-8 are $942 a year including full coverage. Comprehensive costs around $154 a year, collision costs $188, and liability coverage is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing around $2,020. Teens receive the highest rates at $3,814 a year or more.

Average premium for full coverage: $942

Rate estimates for individual coverage type:

These estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and RX-8 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how where you live affects auto insurance rates.

These examples highlight why it is important to get quotes for a specific zip code, rather than using averaged prices.

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

Additional Charts and Tables

The chart below breaks down estimated Mazda RX-8 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $578
• Choosing higher $1,000 deductibles can save about $864 every year
• The estimated price for a 40-year-old driver using $500 deductibles is $942
• Selecting low $100 deductibles for comp and collision coverage bumps up the cost to $1,090
• Drivers with serious driving violations could pay at least $2,020 or more
• The cost that insures a teenage driver can be $3,814 each year

View Chart as Image

Car insurance rates for a Mazda RX-8 can also vary considerably based on the trim level of your RX-8, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $1,100 to $1,600 extra per year, depending on your age. A high-risk auto insurance policy ranges around 42% to 130% more than the average policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $900 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $3,800 a year. View Rates by Age

Where you live plays a big part in determining prices for Mazda RX-8 insurance rates. 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.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $230 a year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out your exact price is to get quotes and see how they stack up. Each auto insurer calculates rates differently, so rate quotes can be significantly different.

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheap Mazda RX-8 Insurance

Saving money on auto insurance takes being a low-risk driver, having a positive credit history, not filing small claims, and qualifying for all possible discounts. Compare rates every time your policy renews by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The items below are a brief summary of the information touched on in the above illustrations.

• You may be able to save up to $100 per year simply by quoting early and online
• Teen drivers are the costliest to insure, as much as $318 per month if full coverage is purchased
• Increasing deductibles can save approximately $225 each year
• Drivers that tend to have accidents or serious violations may have to pay on average $1,080 more every year to insure their RX-8
• Consumers who may need more liability coverage will pay approximately $490 per year to raise limits from a minimum limit to the 250/500 level