Mazda RX-8 Insurance Rates
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UPDATED: Apr 3, 2024
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U.S. average insurance rates for a Mazda RX-8 are $994 a year for full coverage. Comprehensive insurance costs on average $176 a year, collision insurance costs $208, and liability costs around $452. Liability-only coverage costs as low as $504 a year, and high-risk coverage costs $2,124 or more. Teenage drivers pay the highest rates at up to $3,964 a year.
Average premium for full coverage: $994
Price estimates by individual coverage:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and RX-8 trim levels.
Price Range from Low to High
For the normal driver, Mazda RX-8 insurance prices range from as low as $504 for liability-only coverage to a high of $2,124 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live can make a big difference on car insurance rates. Rural areas have a lower frequency of accident claims than densely populated cities. The diagram below illustrates how geographic area affects car insurance rates.
The ranges above show why it is important to compare prices based on a specific location and risk profile, instead of making a decision based on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below shows average Mazda RX-8 insurance rates for different risk profiles and scenarios.
- The best discount rate is $609
- Using higher $1,000 deductibles will save around $906 a year
- The average rate for the average middle-age driver with $500 deductibles is $994
- Using low $100 deductibles for physical damage coverage will cost an extra $164 annually
- High-risk insureds who are prone to accidents and violations could pay upwards of $2,124
- The price for full coverage for a 16-year-old driver may cost $3,964 or more
Auto insurance prices for a Mazda RX-8 are also quite variable based on your driving record, the trim level of your RX-8, and policy deductibles and limits.
Older drivers with a good driving record and high deductibles may pay as low as $900 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay upwards of $3,900 a year. View Rates by Age
The state you live in has a huge impact on Mazda RX-8 insurance prices. A driver around age 40 might see prices as low as $660 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,420 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $898 | -$96 | -9.7% |
| Alaska | $762 | -$232 | -23.3% |
| Arizona | $826 | -$168 | -16.9% |
| Arkansas | $994 | -$0 | 0.0% |
| California | $1,132 | $138 | 13.9% |
| Colorado | $950 | -$44 | -4.4% |
| Connecticut | $1,022 | $28 | 2.8% |
| Delaware | $1,124 | $130 | 13.1% |
| Florida | $1,242 | $248 | 24.9% |
| Georgia | $916 | -$78 | -7.8% |
| Hawaii | $714 | -$280 | -28.2% |
| Idaho | $672 | -$322 | -32.4% |
| Illinois | $740 | -$254 | -25.6% |
| Indiana | $748 | -$246 | -24.7% |
| Iowa | $668 | -$326 | -32.8% |
| Kansas | $944 | -$50 | -5.0% |
| Kentucky | $1,354 | $360 | 36.2% |
| Louisiana | $1,470 | $476 | 47.9% |
| Maine | $612 | -$382 | -38.4% |
| Maryland | $818 | -$176 | -17.7% |
| Massachusetts | $794 | -$200 | -20.1% |
| Michigan | $1,726 | $732 | 73.6% |
| Minnesota | $830 | -$164 | -16.5% |
| Mississippi | $1,190 | $196 | 19.7% |
| Missouri | $882 | -$112 | -11.3% |
| Montana | $1,066 | $72 | 7.2% |
| Nebraska | $784 | -$210 | -21.1% |
| Nevada | $1,192 | $198 | 19.9% |
| New Hampshire | $716 | -$278 | -28.0% |
| New Jersey | $1,112 | $118 | 11.9% |
| New Mexico | $880 | -$114 | -11.5% |
| New York | $1,046 | $52 | 5.2% |
| North Carolina | $572 | -$422 | -42.5% |
| North Dakota | $814 | -$180 | -18.1% |
| Ohio | $686 | -$308 | -31.0% |
| Oklahoma | $1,020 | $26 | 2.6% |
| Oregon | $910 | -$84 | -8.5% |
| Pennsylvania | $946 | -$48 | -4.8% |
| Rhode Island | $1,326 | $332 | 33.4% |
| South Carolina | $898 | -$96 | -9.7% |
| South Dakota | $838 | -$156 | -15.7% |
| Tennessee | $870 | -$124 | -12.5% |
| Texas | $1,198 | $204 | 20.5% |
| Utah | $736 | -$258 | -26.0% |
| Vermont | $680 | -$314 | -31.6% |
| Virginia | $594 | -$400 | -40.2% |
| Washington | $770 | -$224 | -22.5% |
| West Virginia | $910 | -$84 | -8.5% |
| Wisconsin | $688 | -$306 | -30.8% |
| Wyoming | $886 | -$108 | -10.9% |
Using high physical damage deductibles could cut prices by as much as $260 annually, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,200 to $1,700 in extra premium each year, depending on your age. A high-risk auto insurance policy can be from 43% to 135% more than a normal policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mazda RX-8 Sport 4-Dr Coupe | $976 | $81 |
| Mazda RX-8 Grand Touring 4-Dr Coupe | $994 | $83 |
| Mazda RX-8 R3 4-Dr Coupe | $994 | $83 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Mazda RX-8 | $198 | $274 | $474 | $1,104 |
| 2006 Mazda RX-8 | $176 | $208 | $452 | $994 |
| 2004 Mazda RX-8 | $154 | $188 | $442 | $942 |
Rates are averaged for all Mazda RX-8 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find More Affordable Mazda RX-8 Insurance
Getting lower rates on insurance for a Mazda RX-8 requires avoiding accidents and violations, having good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest the time to compare rates at every other renewal by quoting rates from direct carriers like Progressive and GEICO, and also from your local insurance agents.
The list below is a summary of the concepts that were presented in the illustrations above.
- Drivers considered higher risk who have multiple accidents or major violations will pay on average $1,130 more each year for car insurance
- Teenagers are charged the highest prices, with premiums as much as $330 a month if they have full coverage
- Drivers can save as much as $110 per year just by quoting early and online
- Increasing physical damage deductibles can save around $250 each year
- Drivers can save as much as $110 per year just by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,964 |
| 20 | $2,258 |
| 30 | $1,010 |
| 40 | $994 |
| 50 | $910 |
| 60 | $890 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,158 |
| $250 | $1,084 |
| $500 | $994 |
| $1,000 | $906 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $994 |
| 50/100 | $1,084 |
| 100/300 | $1,197 |
| 250/500 | $1,491 |
| 100 CSL | $1,130 |
| 300 CSL | $1,378 |
| 500 CSL | $1,559 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,578 |
| 20 | $3,590 |
| 30 | $2,144 |
| 40 | $2,124 |
| 50 | $2,030 |
| 60 | $2,010 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $50 |
| Multi-vehicle | $52 |
| Homeowner | $17 |
| 5-yr Accident Free | $59 |
| 5-yr Claim Free | $62 |
| Paid in Full/EFT | $35 |
| Advance Quote | $43 |
| Online Quote | $67 |
| Total Discounts | $385 |
Discounts are estimated and may not be available from every company or in every state.
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