Mazda RX-8 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 3, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Estimated insurance rates for a Mazda RX-8 are $1,104 a year with full coverage. Comprehensive costs on average $198 each year, collision insurance costs $274, and liability is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs around $2,378. 16-year-old drivers pay the most at up to $4,360 a year.

Average premium for full coverage: $1,104

Premium estimates by type of coverage:

Comprehensive $198
Collision $274
Liability $474

Price estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and RX-8 models.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Mazda RX-8 range from the low end price of $522 for basic liability insurance to a high rate of $2,378 for coverage for higher-risk drivers.

Liability Only $522
Full Coverage $1,104
High Risk $2,378

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than congested cities. The graphic below illustrates the difference location can make on car insurance rates.

Rural Areas $828
Small Cities $1,159
Large Cities $1,490

These rate differences demonstrate why all drivers should compare rates quotes based on a specific location, instead of making a decision based on rate averages.

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.

Rate Comparisons

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

  • The best full coverage rate is $661
  • Raising to $1,000 deductibles will save around $108 annually
  • The estimated price for a 40-year-old good driver with $500 deductibles is $1,104
  • Buying low deductibles bumps up the cost to $1,310
  • Drivers with multiple tickets or accidents could pay upwards of $2,378
  • An auto insurance policy that insures a 16-year-old driver may cost $4,360

View Chart as Image

Mazda RX-8 insurance cost comparison chart
Column chart showing Mazda RX-8 insurance rates range from $661 to $4,360 for full coverage

Insurance prices for a Mazda RX-8 also have a wide range based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you have a few violations or you caused an accident, you may be forking out at a minimum $1,300 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 131% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $4,300 a year. View Rates by Age

Where you choose to live also has a big influence on Mazda RX-8 insurance prices. A middle-age driver might find prices as low as $800 a year in states like New Hampshire, Ohio, and Utah, or at least $1,490 on average in Florida, Michigan, and New York.

Mazda RX-8 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,000 -$104 -9.4%
Alaska $846 -$258 -23.4%
Arizona $916 -$188 -17.0%
Arkansas $1,104 -$0 0.0%
California $1,260 $156 14.1%
Colorado $1,056 -$48 -4.3%
Connecticut $1,136 $32 2.9%
Delaware $1,250 $146 13.2%
Florida $1,384 $280 25.4%
Georgia $1,020 -$84 -7.6%
Hawaii $794 -$310 -28.1%
Idaho $746 -$358 -32.4%
Illinois $822 -$282 -25.5%
Indiana $832 -$272 -24.6%
Iowa $746 -$358 -32.4%
Kansas $1,050 -$54 -4.9%
Kentucky $1,506 $402 36.4%
Louisiana $1,634 $530 48.0%
Maine $682 -$422 -38.2%
Maryland $910 -$194 -17.6%
Massachusetts $884 -$220 -19.9%
Michigan $1,920 $816 73.9%
Minnesota $924 -$180 -16.3%
Mississippi $1,324 $220 19.9%
Missouri $980 -$124 -11.2%
Montana $1,188 $84 7.6%
Nebraska $870 -$234 -21.2%
Nevada $1,326 $222 20.1%
New Hampshire $794 -$310 -28.1%
New Jersey $1,234 $130 11.8%
New Mexico $980 -$124 -11.2%
New York $1,164 $60 5.4%
North Carolina $636 -$468 -42.4%
North Dakota $904 -$200 -18.1%
Ohio $762 -$342 -31.0%
Oklahoma $1,136 $32 2.9%
Oregon $1,012 -$92 -8.3%
Pennsylvania $1,056 -$48 -4.3%
Rhode Island $1,472 $368 33.3%
South Carolina $1,000 -$104 -9.4%
South Dakota $934 -$170 -15.4%
Tennessee $968 -$136 -12.3%
Texas $1,330 $226 20.5%
Utah $818 -$286 -25.9%
Vermont $758 -$346 -31.3%
Virginia $660 -$444 -40.2%
Washington $856 -$248 -22.5%
West Virginia $1,012 -$92 -8.3%
Wisconsin $766 -$338 -30.6%
Wyoming $984 -$120 -10.9%

View Chart as Image

Mazda RX-8 insurance rates by U.S. city

Opting for high physical damage deductibles can reduce prices by up to $320 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Mazda RX-8 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Mazda RX-8 Sport 4-Dr Coupe $1,086 $91
Mazda RX-8 Grand Touring 4-Dr Coupe $1,104 $92
Mazda RX-8 R3 4-Dr Coupe $1,104 $92

Rates assume 2010 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.

Mazda RX-8 Insurance Rates by Model Year
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 Cheaper Mazda RX-8 Insurance

Finding better rates on insurance for a Mazda RX-8 consists of being a low-risk driver, having above-average credit, being claim-free, and determing if full coverage is necessary. Comparison shop at least once a year by getting rate quotes from direct companies, and also from several local insurance agents.

The items below are a condensed summary of the primary concepts that were touched on in this article.

  • You may be able to save as much as $130 per year just by quoting online in advance
  • Drivers considered higher risk with multiple at-fault accidents pay on average $1,270 more each year to insure their RX-8
  • Increasing policy deductibles can save approximately $325 each year
  • Teen drivers pay the highest prices, possibly costing $363 per month if full coverage is included

Rates by Driver Age

Mazda RX-8 Insurance Rates by Driver Age
Driver Age Premium
16 $4,360
20 $2,522
30 $1,130
40 $1,104
50 $1,012
60 $992

Full coverage, $500 deductibles

Rates by Deductible

Mazda RX-8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,310
$250 $1,216
$500 $1,104
$1,000 $996

Full coverage, driver age 40

Rates by Liability Limit

Mazda RX-8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,104
50/100 $1,199
100/300 $1,317
250/500 $1,625
100 CSL $1,246
300 CSL $1,507
500 CSL $1,697

Full coverage, driver age 40

Rates for High Risk Drivers

Mazda RX-8 Insurance Rates for High Risk Drivers
Age Premium
16 $6,162
20 $4,022
30 $2,404
40 $2,378
50 $2,274
60 $2,250

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.

SR-22 Surcharge $149

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $57
Multi-vehicle $59
Homeowner $19
5-yr Accident Free $70
5-yr Claim Free $70
Paid in Full/EFT $42
Advance Quote $50
Online Quote $76
Total Discounts $443
Rate after discounts $661

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption