Mazda RX-8 Insurance Rates

The average insurance rates for a Mazda RX-8 are $942 a year with full coverage. Comprehensive insurance costs approximately $154, collision costs $188, and liability is $442. Liability-only insurance costs around $496 a year, with high-risk driver insurance costing $2,020 or more. Teens cost the most to insure at $3,814 a year or more.

Average premium for full coverage: $942

Policy rates by type of insurance:

Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for all RX-8 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The example below illustrates the difference location can make on auto insurance prices.

The examples above demonstrate why everyone should compare rates quotes using their specific location and risk profile, instead of using averaged prices.

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

Additional Charts and Tables

The chart below details estimated Mazda RX-8 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $578
• Raising to $1,000 deductibles will save $78 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $942
• Selecting pricier low deductibles will cost an extra $148 every year
• At-risk drivers with serious driving violations could pay around $2,020 or more
• Policy cost for full coverage for a teen driver for full coverage can cost $3,814

View Chart as Image

Auto insurance rates for a Mazda RX-8 also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $3,800 a year. View Rates by Age

Your home state also has a big influence on Mazda RX-8 insurance prices. A middle-age driver might find rates as low as $680 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,280 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $230 every year, whereas buying more liability protection will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,100 to $1,600 in extra premium every year, depending on your age. Mazda RX-8 insurance for high-risk drivers is expensive and can cost as much as 42% to 130% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates and see which company has the best rate. Every auto insurance company calculates rates differently, and quoted rates will be varied from one company to the next.

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 Low Cost Mazda RX-8 Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and violations, having good credit, not filing small claims, and not having any coverage lapses. Make time to compare rates at every other renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a review of the concepts that were touched on in this article.

• Higher risk drivers who have several accidents or serious violations pay on average $1,080 more per year for car insurance
• Teenagers have the highest car insurance rates, as much as $318 each month if they have full coverage
• You may be able to save around $100 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $225 each year
• You may be able to save around $100 per year simply by quoting online well ahead of the renewal date