Mazda RX-8 Insurance Rates
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UPDATED: Apr 3, 2024
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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:
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.
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.
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
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.
| 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% |
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
| 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.
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,310 |
| $250 | $1,216 |
| $500 | $1,104 |
| $1,000 | $996 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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