Mazda RX-8 Insurance Rates

U.S. average insurance rates for a Mazda RX-8 are $942 a year for full coverage insurance. Comprehensive insurance costs on average $154 a year, collision costs $188, and liability is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing $2,020 or more. Teenage drivers pay the highest rates at $3,814 a year or more.

Average premium for full coverage: $942

Price estimates by individual coverage:

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and RX-8 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on insurance rates. Rural areas have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates the difference location can make on car insurance rates.

The ranges above illustrate why it is important to compare rates quotes based on a specific location, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below illustrates estimated Mazda RX-8 insurance rates for different risk profiles and scenarios.

• The best discount rate is $578
• Raising to $1,000 deductibles will save around $864 each year
• The estimated price for the average middle-age driver with $500 deductibles is $942
• Using low $100 deductibles will cost an additional $148 annually
• Drivers who are prone to accidents and violations could pay upwards of $2,020 or more
• The price that insures a 16-year-old driver may cost $3,814

View Chart as Image

Auto insurance prices for a Mazda RX-8 are also quite variable based on the trim level of your RX-8, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,100 to $1,600 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay upwards of $3,800 a year. View Rates by Age

The state you live in also has a big influence on Mazda RX-8 insurance prices. A middle-age driver might find prices as low as $620 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,280 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $230 annually, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out exactly what you will pay is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate prices, and quoted prices may be quite 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 the Right Mazda RX-8 Insurance

Getting lower rates on insurance for a Mazda RX-8 consists of being a good driver, maintaining a good credit score, not filing small claims, and taking advantage of discounts. Compare prices every time your policy renews by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a quick rundown of the information touched on in this article.

• It is possible to save as much as $100 per year simply by quoting early and online
• Drivers age 16 to 20 are charged the highest prices, as much as $318 a month if the policy includes full coverage
• Increasing physical damage deductibles can save approximately $225 each year
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,080 more each year than a safer driver
• Insureds who require an increased level of liability coverage will pay an extra $490 annually to raise from a low limit to the 250/500 level