Mazda RX-8 Insurance Rates

Average insurance prices for a Mazda RX-8 are $942 every 12 months for full coverage insurance. Comprehensive costs on average $154 each year, collision costs $188, and liability insurance is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing around $2,020. Teenage drivers receive the highest rates at $3,814 a year or more.

Average premium for full coverage: $942

Rate estimates by individual coverage type:

Prices are based on $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and RX-8 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on insurance rates. Rural areas tend to have more infrequent physical damage claims than densely populated cities.

The graphic below illustrates how geographic area affects car insurance rates.

These examples illustrate why all drivers should get quotes based on a specific location and their own driving history, rather than relying on average rates.

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

Additional Rate Information

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

• The best discount rate is $578
• Choosing higher $1,000 deductibles can save around $78 each year
• The average price for a 40-year-old driver with $500 deductibles is $942
• Using low deductibles for comp and collision coverage increases the price to $1,090
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,020 or more
• The cost to insure a teen driver may cost $3,814 each year

View Chart as Image

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

Using high physical damage deductibles can save as much as $230 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles could pay as little as $900 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged upwards of $3,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,100 to $1,600 extra per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 130% more than a normal policy. View High Risk Driver Rates

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 $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

With so much variability in rates, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate rates, 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 Shop for Affordable Mazda RX-8 Insurance

Saving money on Mazda RX-8 insurance takes not taking risks behind the wheel, maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates at every other renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a brief review of the concepts that were presented in the illustrations above.

• High-risk drivers with DUI or reckless driving convictions pay on average $1,080 more each year for RX-8 insurance
• Teens are expensive to insure, costing up to $318 per month if the policy includes full coverage
• It is possible to save as much as $100 per year simply by quoting online in advance
• Increasing deductibles could save as much as $225 each year
• It is possible to save as much as $100 per year simply by quoting online in advance