Mazda RX-8 Insurance Rates

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

Average premium for full coverage: $942

Price estimates by individual coverage:

Includes $500 deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for different RX-8 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural locations have fewer accident claims than densely populated cities.

The price range example below illustrates how rural and urban location affects auto insurance prices.

The ranges above show why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, rather than relying on average rates.

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

More Rate Information

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

• The best discount rate is $578
• Using higher $1,000 deductibles will save $78 a year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $942
• Using more expensive low deductibles for physical damage coverage will cost $1,090
• Drivers who are prone to accidents and violations could pay around $2,020 or more
• The price with full coverage for a teen driver with full coverage can cost $3,814 or more

View Chart as Image

Insurance prices for a Mazda RX-8 are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $900 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $3,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,100 to $1,600 additional each year, depending on your age. High-risk driver insurance can be anywhere from 42% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $230 each year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Mazda RX-8 insurance rates. A driver around age 40 might see prices as low as $620 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,350 on average in New York, Louisiana, and Michigan.

View Chart as Image

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, and prices may be quite different between companies.

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 Buy the Cheapest Mazda RX-8 Insurance

Getting lower rates on Mazda RX-8 insurance requires not taking risks behind the wheel, having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around every time your policy renews by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a recap of the information raised in the charts and tables above.

• Drivers can save around $100 per year simply by shopping early and online
• Teens are the costliest to insure, with premiums as much as $318 a month if they have full coverage
• Increasing physical damage deductibles could save up to $225 each year
• High-risk drivers that have major violations or accidents pay on average $1,080 more per year for RX-8 insurance
• Drivers who purchase higher liability limits will pay an extra $490 each year to increase from a low limit to higher 250/500 limits