Mazda RX-8 Insurance Rates

The average auto insurance rates for a Mazda RX-8 are $994 annually for full coverage. Comprehensive costs approximately $176 each year, collision insurance costs $208, and liability coverage is estimated at $452. Buying just liability costs approximately $504 a year, and insurance for high-risk drivers costs around $2,124. Teens cost the most to insure at up to $3,964 a year.

Average premium for full coverage: $994

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and RX-8 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Rural locations are shown to have fewer accident claims than cities with more traffic congestion. The graphic below illustrates the difference location can make on auto insurance prices.

The examples above show why all drivers should get quotes using their specific location and their own personal driving habits, rather than using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $609
• Choosing higher $1,000 deductibles can save $88 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $994
• Selecting low deductibles for comp and collision coverage will cost $1,158
• Drivers with serious driving violations could pay around $2,124
• Policy cost with full coverage for a teenage driver can cost $3,964 each year

View Chart as Image

Insurance rates for a Mazda RX-8 also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $3,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers ranges around 43% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $260 a year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Mazda RX-8 insurance rates. A good driver about age 40 could pay as low as $660 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,420 on average in New York, Louisiana, and Michigan.

View Chart as Image

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 Affordable Mazda RX-8 Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and claims, having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Make time to compare rates every time your policy renews by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a brief review of the information touched on in this article.

• Drivers can save around $110 per year just by quoting online in advance
• Drivers under the age of 20 are expensive to insure, costing up to $330 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles could save up to $250 each year
• Drivers with DUI or reckless driving convictions pay on average $1,130 more per year to insure a Mazda RX-8
• Consumers who purchase increased liability limits will pay approximately $500 each year to raise limits from a 30/60 limit to higher 250/500 limits